# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-25-084779
**Filing Date:** 2025-9
**Character Count:** 1825833
**Document Hash:** c63d0c0e51998204b0b0d8b73a3526b2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-084779.hdr.sgml**: 20250905

**ACCESSION NUMBER**: 0001213900-25-084779

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

**PUBLIC DOCUMENT COUNT**: 30

**CONFORMED PERIOD OF REPORT**: 20250905

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

**FILED AS OF DATE**: 20250905

**DATE AS OF CHANGE**: 20250905

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 251295328

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

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

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0001889966</u>

Barclays Mortgage Loan Trust 2025-NQM5

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

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

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

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: September 5, 2025 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](ea025612401_ex99-1.htm)

[Schedule 1 – Data Compare](ea025612401_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea025612401_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea025612401_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea025612401_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – CA Narrative](ea025612401_ex99-2.htm)

[Schedule 1 – Data Compare](ea025612401_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea025612401_ex99-2sch2.htm)

[Schedule 3 – RA Grades Summary](ea025612401_ex99-2sch3.htm)

[Schedule 4 – Valuation Report](ea025612401_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Clarifii Narrative](ea025612401_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea025612401_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea025612401_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail](ea025612401_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary](ea025612401_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea025612401_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Selene Narrative](ea025612401_ex99-4.htm)

[Schedule 1 – Data Compare](ea025612401_ex99-4sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea025612401_ex99-4sch2.htm)

[Schedule 3 – Standard Findings](ea025612401_ex99-4sch3.htm)

[Schedule 4 – Valuation Report](ea025612401_ex99-4sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

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

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from October 2024 through March 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (170 loans). The loans reviewed using the Credit and Compliance Scope are together referred to as the mortgage loans.

**(2)** **Sample size of the assets reviewed.**<br> The initial population consisted of 170 mortgage loans.

The final population of the Review covered 170 mortgage loans totaling an aggregate original principal balance of approximately $15.799 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower Q**ual**ifying FICO | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

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

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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![](ex99-1_001.jpg)

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) and ensured that the title conformed with the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

2 \| Page

![](ex99-1_001.jpg)

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to the appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal nonconforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

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

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

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![](ex99-1_001.jpg)

SitusAMC will review each residential mortgage loan to determine, as applicable, and to the extent possible and subject to the caveats below, whether the mortgage loan complies with each of the laws, rules and regulations specified below, in each case as the same may be amended, supplemented, replaced or otherwise modified from time to time pursuant to applicable law. With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, the compliance review is limited to the specific components enumerated below with the testing of those components in accordance with the SFA TRID Compliance Review Scope ("TRID Grid"), published by the Structured Finance Association ("SFA"). All other TRID testing, including other components of the TRID Grid, that are not explicitly enumerated below are considered outside of scope for purposes of this review.

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23; §1026.15):</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) missing or incorrect rescission expiration date on rescission
notice;

vi) "I wish to cancel" section of rescission notice is signed by borrower;

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions, and for open-end transactions, the information that must be provided to satisfy the requirements in <u>§1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in <u>§1026.40</u>(d)(5)(i) and (ii) that is required under <u>§1026.6</u>(e)(2); and

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

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

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

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to recalculated Finance Charge

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Finance Charge to recalculated Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Payment Tables (§1026.18, §1026.38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate disclosure of applicable payment tables on page 1
of the TIL or CD

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>TILA Section 130(b) Corrections and Other Remediations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with respect to applicable exception remediation measures, confirm the remediation
was performed in accordance with regulatory and/or statutory requirements, and, where applicable, the SFA Compliance Review Scope methodology
(in an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure
testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third
party review providers and law firms who agreed to a standardized approach to remediation considerations).

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&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32,and 34):</u> 

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements as applicable.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages
(QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24
C.F.R. 201 and 203 et seq.); the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of Agriculture (7
CFR Part 3555);

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

&nbsp;&nbsp;&nbsp;&nbsp;e) Prepayment penalty restrictions (12
C.F.R. 1026.43(g)).

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the mortgage
loan contains risky mortgage loan features and terms (e.g. an interest only feature, negative amortization, or loan term exceeding 30
years),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) the "points and fees"
exceed the applicable QM threshold,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) the monthly payment was calculated
appropriately,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) the creditor considered and verified
income or assets at or before consummation,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) the creditor appropriately considered
debt obligations, alimony and child support, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) based on the
application date, defined in accordance with 1026.2(a)(3)(ii), and the loan designation provided on the subject loan:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Temporary QM (Agency/GSE Salable) –** Loans submitted with a loan designation of

Temporary SHQM (GSE/Agency Eligible) or Temporary HPQM (GSE/Agency Eligible)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If loan application
date is prior to 7/1/2021 or loan was purchased/securitized on or before 8/31/21, the loan will be evaluated to confirm it is salable
to the GSEs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If loan application
date is on or after 7/1/2021 or loan was purchased/securitized after 8/31/21 - an exception indicating loan is not eligible to be GSE
Temp QM will be cited based on the GSE requirement for loan applications on or after 7/1/2021 to meet General QM (APOR) pricing based
criteria to be salable,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **QM Based on Appendix Q –** Loans submitted with a loan designation of
Safe Harbor QM,<br>
Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. If the loan
application date is prior to 3/1/2021 – determine whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated
in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If the loan
application date is on or after 3/1/2021, but before 10/1/2022 – determine whether at the time of consummation, the debt-to-income
ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date
on or after<br>
3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), the QM considerations will be based
on whether the APR exceeds the average prime offer rate by 2.25 or more percentage points (additional thresholds applicable for lower
loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet
the creditor's guidelines without a documented exception and compensating factors.

*QM loans with application dates on or after 10/1/22 are required to be either Safe Harbor QM (APOR) or Higher Priced QM (APOR)*

***Verification Safe Harbor***

Pursuant to the November 2021 SFA TPR Scope of Review for Verification Safe Harbor under General QM Rule (<u>https://structuredfinance.org/wp-content/uploads/2021/11/SFA-TPR-Scope-of-Review-for-QM-VSH-Scope-of-Review-FINAL.pdf</u>) SitusAMC has adopted the following approach with respect to Verification Safe Harbor:

**VSH Indicator** – For loans originated under the new General QM (APOR) pricing-based threshold, the lender will be required to document the Verification Safe Harbor (VSH) indicator. SitusAMC will capture, but will not verify the VSH indicator. If the lender does not provide a VSH indicator, the VSH for the loan will be identified as "Not Stated".

**VSH Indicator Discrepancy** – Optional add-on service for loans submitted with a VSH Indicator of "Yes" (loan meets VSH). If a loan was submitted indicating VSH is met, client has the option to have SitusAMC review documentation in file and identify variances between documentation in file and guidelines used that could be indicative of an inaccurate VSH indicator. For all options below, the VSH indicator and determination method will be provided by the lender (within loan images, on the data tape, deal notes, or as part of the loan program/guidelines to which loans are originated). SitusAMC's evaluation will be limited to review of the documents against the guidelines used and identified by the lender to meet VSH. Review and verification that guidelines used meet VSH requirements under the regulation (particularly for options 2 and 3 where guidelines used are not one of those explicitly enumerated in the regulation) are outside of SitusAMC's scope. Lender is responsible for affirming guidelines used meet VSH standard requirements:

· <u>Option 1: VSH via reference to guidelines explicitly enumerated in the regulation (June 2020 GSE Guides)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies that loan utilizes
one of the GSE June 2020 guidelines specified in the regulation to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified
by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from
the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC
will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence
will not be used to evaluate the VSH indicator.

· <u>Option 2: VSH via reference to subsequent versions of GSE Guides affirmed to be "substantially similar" to guides explicitly enumerated in the regulation</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies (source and publication
date) and provides a set of GSE guides (other than one of the June 2020 guidelines specified in the regulation) utilized to meet VSH

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides affirmation that guides used meet
VSH requirements as revised version complies with verification standards or is substantially similar to the guides enumerated in the
regulation commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination
and affirmation that the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are "substantially similar"** to
the explicitly enumerated underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified
by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from
the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC
will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence
will not be used to evaluate the VSH indicator

· <u>Option 3: VSH via proprietary guides</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender identifies
and provides a set of proprietary (non-GSE guides) underwriting guides utilized to meet VSH

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides
worksheet/AUS connecting the loan level review components to enumerated guides

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Lender provides
affirmation that guides used meet VSH requirements as guides comply with verification standards in the guides enumerated in the regulation
commentary under 1026.43(e)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The determination
and affirmation that the guides used are substantially similar would be the responsibility of the lender and/or aggregator. **SitusAMC will not evaluate or make a determination as to whether the guidelines used by the lender are in line with the standards in the enumerated underwriting guidelines.** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified
by lender to have VSH status, SitusAMC will determine documentation variances that would cause one to question the VSH attestation from
the lender. If variances are identified, loan would not be identified by SitusAMC to meet the VSH documentation requirements (i.e., SitusAMC
will report loan as not having met VSH).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o AUS adherence
will not be used to evaluate the VSH indicator

The lender must also maintain policies and procedures to meet the requirement under the new General QM (APOR) rule. Review of policies and procedures and comparison of guides utilized to explicitly enumerated guides are outside of SitusAMC's review scope.

**VSH Reporting –** SitusAMC will include the following in securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The lender/seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC evaluated the VSH
indicator provided by the lender/seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Which of the above 3 options was
employed to evaluate the VSH indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether SitusAMC identified a variance
to indicator based on due diligence review; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether loan met VSH based on option
selected

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule (effective January 10, 2014), SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM (for loans that comply with general (ATR) or ATR Fail (for loans that do not meet general ATR requirements). See below for more details on general ability to repay testing.

*<u>General Ability to Repay</u>*

For non-QM loans (loans that do not meet QM criteria or submitted by loan originator with a loan designation of non-QM), SitusAMC reviews the mortgage loan to the creditor's guidelines to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) the consumer's current or reasonably expected income or assets;

ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status);

iii) the consumer's monthly payment;

iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) the consumer's monthly payment for
mortgage-related obligations;

vi) the consumer's current debt obligations, alimony, and child support;

vii) the consumer's monthly debt-to-income ratio or residual income; and

viii) the consumer's credit history.

This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

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

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), 50(f)(2), and limited provisions under Section 50(t) Article XVI of the Texas Constitution and associated regulations.**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V)** **Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.**

The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico,

and West Virginia.

**(VII)** **Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**

Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

**()** **FIRREA Review**

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

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

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

**(IX) Document Review.**

SitusAMC will review each mortgage loan file and verify whether the following documents, if applicable, were included in the file and that the data on applicable documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
summary/loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD/Closing
Disclosure from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**(8)** **Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

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**(9)** **Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in

Item 3 above.

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred seventy (170) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria fifty-five (55) loans (32.35%) had an Overall grade of "A", eighteen (18) loans (10.59%) had an Overall grade of "B", and ninety-seven (97) loans (57.06%) had an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| **S&P Overall Loan Grades** | **S&P Overall Loan Grades** | **S&P Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 55 | 32.35% |
| B | 18 | 10.59% |
| C | 0 | 0.00% |
| D | 97 | 57.06% |
| **Total** | **170** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred forty-eight (148) loans (87.06%) reviewed received an "A" Credit grade, and twenty-two (22) loans (12.94%) received a "B".

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---

| | | |
|:---|:---|:---|
| **S&P Credit Loan Grades** | **S&P Credit Loan Grades** | **S&P Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 148 | 87.06% |
| B | 22 | 12.94% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **170** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

All one hundred seventy (170) loans reviewed received an "A" or "B" Compliance grade. After all documents were presented, under the applicable S&P NRSRO grading criteria one hundred fifty-one (151) loans (88.82%) had a Compliance grade of "A" and nineteen (19) loans (11.18%) had a Compliance grade of "B.

---

| | | |
|:---|:---|:---|
| **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** | **S&P Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 151 | 88.82% |
| B | 19 | 11.18% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **170** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred seventy (170) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, seventy-three (73) loans (42.94%) had a Property grade of "A", and ninety-seven (97) loans (57.06%) had a Property grade of "D".

---

| | | |
|:---|:---|:---|
| **S&P Property Loan Grades** | **S&P Property Loan Grades** | **S&P Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 73 | 42.94% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 97 | 57.06% |
| **Total** | **170** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred seventy (170) Loans reviewed, three (3) unique Loans had six (6) different tape discrepancies across five (5) data fields (some Loans had more than one data delta). The most variances were found on Investor: Qualifying Total Debt Ratio.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br>**Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Amortization Term | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Amortization Type | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Borrower First Name | 1 | 1 | 100.00% | 170 |
| &nbsp;&nbsp;Borrower FTHB | 0 | 1 | 0.00% | 170 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower Last Name | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Borrower Qualifying FICO | 0 | 169 | 0.00% | 170 |
| &nbsp;&nbsp;City | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Coborrower Q**ual**ifying FICO | 0 | 58 | 0.00% | 170 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 2 | 169 | 1.18% | 170 |
| &nbsp;&nbsp;Lien Position | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Note Date | 1 | 1 | 100.00% | 170 |
| &nbsp;&nbsp;Occupancy | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Original CLTV | 1 | 170 | 0.59% | 170 |
| &nbsp;&nbsp;Original Interest Rate | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Original LTV | 1 | 170 | 0.59% | 170 |
| &nbsp;&nbsp;Property Type | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Purpose | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Refi Purpose | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;Representative FICO | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;State | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Street | 0 | 1 | 0.00% | 170 |
| &nbsp;&nbsp;Zip | 0 | 170 | 0.00% | 170 |
| &nbsp;&nbsp;**Total** | **6** | **1938** | **0.31%** | **170** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan<br> Count** | **% of <br> Loans** | **Original<br> Balance** | **% of Balance** |
| Fixed | 170 | 100.00% | $15799087.00 | 100.00% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Lien Position** | **Loan<br> Count** | **% of <br> Loans** | **Original <br> Balance** | **% of Balance** |
| 1 | 1 | 0.59% | $153500.00 | 0.97% |
| 2 | 169 | 99.41% | $15645587.00 | 99.03% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Purpose** | **Loan<br> Count** | **% of <br> Loans** | **Original<br> Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 170 | 100.00% | $15799087.00 | 100.00% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Original Term** | **Loan<br> Count** | **% of <br> Loans** | **Original<br> Balance** | **% of Balance** |
| 0-120 Months | 5 | 2.94% | $586500.00 | 3.71% |
| 181-240 Months | 164 | 96.47% | $15059087.00 | 95.32% |
| 241-360 Months | 1 | 0.59% | $153500.00 | 0.97% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

---

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![](ex99-1_001.jpg)

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| | | | | |
|:---|:---|:---|:---|:---|
| **Property Type** | **Loan<br> Count** | **% of <br> Loans** | **Original <br> Balance** | **% of Balance** |
| Single Family Detached | 105 | 61.76% | $9506751.00 | 60.17% |
| Condo, Low Rise | 9 | 5.29% | $736700.00 | 4.66% |
| Condo, High Rise | 1 | 0.59% | $120000.00 | 0.76% |
| PUD | 54 | 31.76% | $5383636.00 | 34.08% |
| 1 Family Attached | 1 | 0.59% | $52000.00 | 0.33% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Occupancy** | **Loan<br> Count** | **% of <br> Loans** | **Original <br> Balance** | **% of Balance** |
| Primary | 166 | 97.65% | $15302087.00 | 96.85% |
| Investment | 1 | 0.59% | $153500.00 | 0.97% |
| Second Home | 3 | 1.76% | $343500.00 | 2.17% |
| **Total** | **170** | **100.00%** | **$15799087.00** | **100.00%** |

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13 \| Page

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) | ![](ex99-1sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 8/27/2025 2:24:30 PM** | **Run Date - 8/27/2025 2:24:30 PM** | **Run Date - 8/27/2025 2:24:30 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 222731123 | 34 | 3552493517 |  |  | Investor: Qualifying Total Debt Ratio | 28.698 | 30.8503 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 222731591 | 135 | 3553517384 |  |  | Investor: Qualifying Total Debt Ratio | 40.666 | 43.24482 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223630548 | 170 | 82585 |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223630548 | 170 | 82585 |  |  | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223630548 | 170 | 82585 |  |  | Original CLTV | 42.64 | 47.23077 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223630548 | 170 | 82585 |  |  | Original LTV | 42.64 | 47.23077 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) | ![](ex99-1sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Excepion Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| (redacted) | 1 | (redacted) |  | 32618814 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 1 | (redacted) |  | 32618815 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | KY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618820 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 2 | (redacted) |  | 32618822 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 3 | (redacted) |  | 32618849 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 3 | (redacted) |  | 32618850 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 3 | (redacted) |  | 32618854 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide the Tax Certificate or other documentation to verify the property taxes for the subject. |  |  |  | Reviewer Comment (2024-11-25): Tax cert provided, exception cleared.<br>Buyer Comment (2024-11-25): Please see attached tax cert for the subject property. | 11/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | KS | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 4 | (redacted) |  | 32618870 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 | (redacted) |  | 32618871 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 4 | (redacted) |  | 32618872 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]<br> . | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-20): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/20/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 5 | (redacted) |  | 32618965 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 5 | (redacted) |  | 32618966 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 6 | (redacted) |  | 32619028 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 | (redacted) |  | 32619031 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted]has been discontinued effective [redacted]. Average Prime Offer Rate ([redacted]) used in lieu of [redacted] effective [redacted], pursuant to [redacted] [redacted] guidance. |  |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading. |  |  | 11/20/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 | (redacted) |  | 32619033 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors.<br>Buyer Comment (2024-11-21): Please see attached, Disaster inspection confirming no damage. Our policy is to get a [redacted] after the start date. An end date is not needed. Please review. |  |  | 11/21/2024 | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 7 | (redacted) |  | 32619034 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 8 | (redacted) |  | 32619221 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 8 | (redacted) |  | 32619222 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 9 | (redacted) |  | 32619239 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 9 | (redacted) |  | 32619240 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 9 | (redacted) |  | 32619241 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 10 | (redacted) |  | 32619268 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NM | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 11 | (redacted) |  | 32619302 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 11 | (redacted) |  | 32619303 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| (redacted) | 11 | (redacted) |  | 32619304 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of [redacted] was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Reviewer Comment (2024-12-04): [redacted], proof of delivery ([redacted]), and LOE to the borrower provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-02): Please see attached and note that we baked in an extra day for Thanksgiving |  | 12/04/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 12 | (redacted) |  | 32619325 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 12 | (redacted) |  | 32619326 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 13 | (redacted) |  | 32619413 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 13 | (redacted) |  | 32619414 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 14 | (redacted) |  | 32619439 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 14 | (redacted) |  | 32619440 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 15 | (redacted) |  | 32619476 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 15 | (redacted) |  | 32619477 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 16 | (redacted) |  | 32619493 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 16 | (redacted) |  | 32619494 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 17 | (redacted) |  | 32619506 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 17 | (redacted) |  | 32619507 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 18 | (redacted) |  | 32619512 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan:[redacted] on subject loan of [redacted]% or Final Disclosure [redacted]% is equal to or greater than the threshold of [redacted]% Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-25): Seller accepts with no change in grading |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 18 | (redacted) |  | 32619513 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 19 | (redacted) |  | 32619554 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 20 | (redacted) |  | 32619576 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 20 | (redacted) |  | 32619577 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 21 | (redacted) |  | 32619591 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 21 | (redacted) |  | 32619592 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 22 | (redacted) |  | 32619608 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WV | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 22 | (redacted) |  | 32619609 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WV | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 23 | (redacted) |  | 32619652 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 23 | (redacted) |  | 32619653 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-[redacted] declaration of disaster end date. | Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 24 | (redacted) |  | 32619691 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 24 | (redacted) |  | 32619692 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 24 | (redacted) |  | 32619694 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A processor certificate was provided to confirm that [redacted], [redacted], and [redacted] are affiliated, and/or one in the same. Please provide additional supporting documentation to confirm the borrower will continued to be employed and receiving income from all three entities since borrower just began in [redacted] and a history cannot be established. The [redacted] in file only indicated [redacted]. |  |  |  | Reviewer Comment (2024-11-25): Supporting documentation is in the file confirming current receipt from all centers the borrower works for. The same [redacted] is doing all the payroll as they're all formatted the same for each center, borrower pay is the same across all, etc. Each location is just keeping records separate for tax purposes. Ultimately it's all one employment record already confirmed via [redacted] cert, the borrower just works in separate locations. The assumption of continuance for all can be determined based on file documentation for current receipt. Exception cleared.<br>Buyer Comment (2024-11-25): Per [redacted] guidelines income can be assumed to continue for [redacted] years unless there is a clearly noted end/termination date. Please see Continuity of income under [redacted], General Income Information ([redacted]), nothing further is required. | 11/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 25 | (redacted) |  | 32619701 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 | (redacted) |  | 32619702 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 25 | (redacted) |  | 32619704 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-21): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 26 | (redacted) |  | 32619766 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 26 | (redacted) |  | 32619767 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 27 | (redacted) |  | 32619788 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 27 | (redacted) |  | 32619789 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 27 | (redacted) |  | 32619792 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The loan was approved with [redacted] for an [redacted]. Evidence of continuance has been confirmed, however, [redacted] guidelines require a minimum of [redacted] months receipt to be established. Please provide documentation that supports [redacted] income has been received for a minimum of [redacted]months. |  |  |  | Reviewer Comment (2024-11-27): Received snip from lender's guidelines and lender's rebuttal that evidence of [redacted] months receipt of [redacted] subsidy is not required. Exception cleared.<br>Buyer Comment (2024-11-25): Please see attached, a [redacted] history of receipt is also not required. Per our guidelines, the only document required is the [redacted]. Please cancel this exception<br>Reviewer Comment (2024-11-25): Borrowers receive income for [redacted]. Income received is not [redacted] [redacted] income but [redacted]. [redacted] history of establishing income has not been documented. Exception remains.<br>Reviewer Comment (2024-11-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted]PRIOR Exception Explanation: [redacted]-months Receipt of Income<br>Buyer Comment (2024-11-22): Please see page [redacted]. This is not [redacted] income. This is [redacted] income as stated on the award letter. [redacted] income does not require [redacted] months of payments. Please cancel this exception | 11/27/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 28 | (redacted) |  | 32619794 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 28 | (redacted) |  | 32619795 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 29 | (redacted) |  | 32619813 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 29 | (redacted) |  | 32619814 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 29 | (redacted) |  | 32619816 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | [redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading. |  |  | 11/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 30 | (redacted) |  | 32619828 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 30 | (redacted) |  | 32619829 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 | (redacted) |  | 32619863 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 | (redacted) |  | 32619864 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 31 | (redacted) |  | 32619865 |  |  | Credit | Title | Document Error | Title | The [redacted] is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges the exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619876 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619877 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619879 |  |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Database Program [redacted] - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2024-11-27): Provided [redacted] Document. Exception Cleared.<br>Buyer Comment (2024-11-26): please see attached | 11/27/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619880 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | [redacted] Docs Missing: |  | The Business Entity Search from the [redacted] does not contain a [redacted]. Please provide evidence of the date the verification was pulled. |  |  |  | Reviewer Comment (2024-11-25): Received the screen shot ,which confirmed the document timestamp, Exception cleared .<br>Buyer Comment (2024-11-25): Please see attached | 11/25/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 32 | (redacted) |  | 32619881 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Subject is in a [redacted] and the [redacted] was not found. Please provide review. |  |  |  | Reviewer Comment (2024-11-27): Provided [redacted] document. Exception Cleared.<br>Buyer Comment (2024-11-26): please see attached | 11/27/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 33 | (redacted) |  | 32619891 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 33 | (redacted) |  | 32619892 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 34 | (redacted) |  | 32619895 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 34 | (redacted) |  | 32619896 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 35 | (redacted) |  | 32619916 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 35 | (redacted) |  | 32619917 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 36 | (redacted) |  | 32619920 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | LA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 36 | (redacted) |  | 32619921 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | LA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 | (redacted) |  | 32619987 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 37 | (redacted) |  | 32619988 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 38 | (redacted) |  | 32620041 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Rule: [redacted] did not provide a Notice of [redacted] within a reasonable time prior to closing. | [redacted] did not provide a [redacted] within a reasonable time prior to closing. |  |  |  | Buyer Comment (2024-11-26): Seller acknowledges the exception, no change to grading.<br>Reviewer Comment (2024-11-25): [redacted] tests to receipt at least [redacted] days prior to closing. Please provide evidence the borrower received a disclosure within that time frame. Exception remains.<br>Buyer Comment (2024-11-25): [redacted] confirms this was signed on [redacted]. This is a reasonable time prior to closing on [redacted]. Please review to clear this condition. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 38 | (redacted) |  | 32620042 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 38 | (redacted) |  | 32620043 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 39 | (redacted) |  | 32620054 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 39 | (redacted) |  | 32620055 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32620074 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing.[redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32620075 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32620078 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution [redacted]: The [redacted] cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 40 | (redacted) |  | 32620079 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted] Constitution Section [redacted]: [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is [redacted] described under [redacted]. Unable to determine purpose of additional debt secured by the [redacted]. |  |  |  |  | Buyer Comment (2024-11-21): Seller acknowledges exception, no change to grading. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 41 | (redacted) |  | 32620080 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 41 | (redacted) |  | 32620081 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 42 | (redacted) |  | 32620086 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 42 | (redacted) |  | 32620087 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 43 | (redacted) |  | 32620098 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 43 | (redacted) |  | 32620099 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 44 | (redacted) |  | 32620119 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 44 | (redacted) |  | 32620120 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 45 | (redacted) |  | 32620190 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 45 | (redacted) |  | 32620191 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 45 | (redacted) |  | 32620192 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Issue: The most recent valuation inspection is dated prior to the most recent [redacted]. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-21): [redacted] completed after the [redacted] reflects no damages. [redacted] meets [redacted] guidelines. |  |  | 11/21/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 46 | (redacted) |  | 32620285 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 46 | (redacted) |  | 32620286 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 47 | (redacted) |  | 32620306 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 47 | (redacted) |  | 32620307 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32620318 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32620319 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted] Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32620321 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General[redacted] Provision Employment - [redacted] | General QM: Unable to verify current [redacted] using reasonably reliable third-party records. | The file is missing the [redacted] for the [redacted]. Please provide the [redacted] for the business obtained within [redacted] of the [redacted] for review. |  |  |  | Reviewer Comment (2024-12-09): Received the liability insurance for this business, which meets the client's alternative [redacted] party verification requirements.<br>Buyer Comment (2024-12-06): please see attached | 12/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 48 | (redacted) |  | 32620322 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check [redacted] Match - QM | Qualified Mortgage [redacted]: Originator Loan Designation of [redacted] does not match Due Diligence [redacted]) Fail. | [redacted] failure due to [redacted]. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2024-12-09): Received the liability insurance for this business, which meets the client's alternative [redacted] party verification requirements.<br>Buyer Comment (2024-12-06): Please see attached | 12/09/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 49 | (redacted) |  | 32620329 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 49 | (redacted) |  | 32620330 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted]and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 50 | (redacted) |  | 32620334 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 50 | (redacted) |  | 32620335 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 | (redacted) |  | 32620342 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 | (redacted) |  | 32620343 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. [redacted] provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for [redacted] purposes |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 | (redacted) |  | 32620344 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | [redacted] Docs Missing: |  | File is missing all [redacted] documentation. Please provide the borrower's most recent [redacted] and [redacted] for review. |  |  |  | Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ([redacted]), Exception cleared .<br>Buyer Comment (2024-11-26): Please see attached, [redacted] as requested | 11/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 | (redacted) |  | 32620346 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check [redacted] Match - QM | Qualified Mortgage [redacted]: Originator Loan Designation of [redacted] does not match Due Diligence [redacted] Fail. | [redacted] failure due to [redacted]. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ([redacted]), Exception cleared .<br>Buyer Comment (2024-11-26): Both docs uploaded | 11/26/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 51 | (redacted) |  | 32620347 |  |  | Compliance | Compliance | State Compliance | Compliance | Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement | [redacted] loan does not qualify under Borrower's [redacted] for [redacted] provisions. |  |  |  |  | Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ([redacted]), Exception cleared . | 11/26/2024 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 51 | (redacted) |  | 32620348 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision [redacted]- Wages | General QM: Unable to verity income due to, missing [redacted] | File is missing the borrower's most recent [redacted] and [redacted] or equivalent documentation. Upon receipt of the missing income documentation, additional conditions may apply. |  |  |  | Reviewer Comment (2024-11-26): Received the Paystubs and the W-2 ([redacted]), Exception cleared .<br>Buyer Comment (2024-11-26): Please see attached, Paystub as requested | 11/26/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 52 | (redacted) |  | 32620350 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 52 | (redacted) |  | 32620351 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted] and/or [redacted] provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 53 | (redacted) |  | 32620354 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 53 | (redacted) |  | 32620355 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 53 | (redacted) |  | 32620359 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | [redacted] Constitution Section [redacted]: [redacted] [redacted] prohibits other debt secured by the homestead unless the purpose of additional debt is one described under [redacted] [redacted]). Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | Buyer Comment (2024-11-22): Seller acknowledges the exception, no change to grading. |  |  | 11/22/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | D | D | A | A | B | B | D | D | Non QM | Non QM | Yes |
| (redacted) | 54 | (redacted) |  | 32620360 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 54 | (redacted) |  | 32620361 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 55 | (redacted) |  | 32620388 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 55 | (redacted) |  | 32620389 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 56 | (redacted) |  | 32620441 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 56 | (redacted) |  | 32620442 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 56 | (redacted) |  | 32620444 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | The VVOE from [redacted] in file, is not within [redacted] business days. Please provide the [redacted] report that was pulled on [redacted] per the documentation in file. |  |  |  | Reviewer Comment (2024-12-05): Received TWN Report from borrower's current employer, dated post close which is allowed per lender's guidelines. Exception cleared.<br>Buyer Comment (2024-12-05): Please see attached which contains a Work Number completed post close verifying active employment<br>Reviewer Comment (2024-11-29): TWN on Document ID# [redacted] is of prior employer [redacted], Please provide the TWN within [redacted] business days from the note date for the employer " [redacted] ", Exception remains.<br>Buyer Comment (2024-11-29): [redacted] contains the Work Number from [redacted] , this corresponds with the [redacted] VOE in Pg [redacted] .<br>Reviewer Comment (2024-11-29): The stated document states the source of VVOE is from The Work Number dated [redacted] . However, in file we only have VVOE and not The Work Number. Please provide related The Work Number to verify the actual source of the VOE.<br>Buyer Comment (2024-11-27): Please review pg [redacted] for the VOE dated [redacted] for [redacted] employment with [redacted]<br>Reviewer Comment (2024-11-27): Provide the current employer VOE [redacted]. document for review. Exception remains.<br>Buyer Comment (2024-11-26): Please review [redacted] which contains the Work Number with verification date of [redacted] and current as of [redacted] . The loan closed on [redacted] meaning it was completed within [redacted] day of closing. Thank you | 12/05/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 57 | (redacted) |  | 32620453 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 57 | (redacted) |  | 32620454 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 58 | (redacted) |  | 32620465 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 58 | (redacted) |  | 32620466 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 59 | (redacted) |  | 32620468 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/21/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 59 | (redacted) |  | 32620469 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OH | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 60 | (redacted) |  | 32620478 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 60 | (redacted) |  | 32620479 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OR | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 61 | (redacted) |  | 32620515 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 61 | (redacted) |  | 32620516 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 62 | (redacted) |  | 32620519 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 62 | (redacted) |  | 32620520 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 62 | (redacted) |  | 32620523 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 62 | (redacted) |  | 32620524 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Non QM | Non QM | No |
| (redacted) | 63 | (redacted) |  | 32620534 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 63 | (redacted) |  | 32620535 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 64 | (redacted) |  | 32620566 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 64 | (redacted) |  | 32620567 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 65 | (redacted) |  | 32620602 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 65 | (redacted) |  | 32620603 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AR | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 66 | (redacted) |  | 32620606 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 66 | (redacted) |  | 32620607 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 66 | (redacted) |  | 32620613 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2024-11-26): Seller accepts with no change in grading |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 66 | (redacted) |  | 32620614 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted]form should have been used. |  |  |  |  | Buyer Comment (2024-11-26): Seller accepts with no change in grading |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| (redacted) | 67 | (redacted) |  | 32620632 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | DE | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 67 | (redacted) |  | 32620633 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | DE | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 68 | (redacted) |  | 32620637 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 68 | (redacted) |  | 32620638 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NJ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 68 | (redacted) |  | 32620641 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  | Reviewer Comment (2024-12-09): LOE, proof of delivery, and [redacted] RTC provided. New rescission period has passed, exception cured.<br>Buyer Comment (2024-12-05): Please see attached Right of Recission Package. Recission expired [redacted] at midnight. |  | 12/09/2024 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D | A | A | C | B | D | D | Non QM | Non QM | Yes |
| (redacted) | 69 | (redacted) |  | 32620647 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 69 | (redacted) |  | 32620648 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 70 | (redacted) |  | 32620652 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted] Constitution Section[redacted]: Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  | Reviewer Comment (2024-12-13): Received the [redacted] Cash-Out Acknowledgment of Fair Market Value.<br>Buyer Comment (2024-12-12): Please see attached signed disclosure.<br>Reviewer Comment (2024-12-05): Please provide the actual signed disclosure Acknowledgement as to Fair Market Value of Homestead Property required on [redacted] loans. Exception remains.<br>Buyer Comment (2024-12-05): Please see Pg [redacted] of the loan file which is the evidentiary document. This confirms the borrower viewed their appraisal on [redacted]. | 12/13/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | D | A | A | C | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 70 | (redacted) |  | 32620653 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing. | Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least [redacted] ([redacted]) business day prior to closing. |  |  |  | Reviewer Comment (2024-12-05): Documentation provided verifying the borrower received the itemization of fees at least one business day prior to closing. Exception cleared.<br>Buyer Comment (2024-12-05): Please see Pg [redacted] of the loan file which is the evidentiary document. This confirms the borrower aknowledged the CD on [redacted] which is the same as the CD signed at closing. This confirms the borrower received their itemized fees at least [redacted] day before closing. | 12/05/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | D | A | A | C | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 70 | (redacted) |  | 32620655 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 70 | (redacted) |  | 32620656 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 70 | (redacted) |  | 32620657 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | [redacted] Constitution Section [redacted]: Acknowledgment of the Fair Market Value not signed by borrower at or before closing. | Received the [redacted]Cash-Out Acknowledgment of Fair Market Value that was signed and dated by the borrower post-closing on [redacted]. Please provide the [redacted]Cash-Out Acknowledgment of Fair Market Value signed and dated by the borrower at or before closing on [redacted]. |  |  |  | Reviewer Comment (2024-12-17): Executed copy of FMV Disclosure obtained to cure to [redacted] .<br>Buyer Comment (2024-12-16): [redacted] states the lender is able to correct the failure to comply with obtaining a signature on the [redacted] Acknowledgement of Fair Market Value within [redacted] days of becoming aware of the failure. Post-close signature was obtained within [redacted] days, and is therefore allowed as aa cure for this issue. |  | 12/17/2024 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | D | A | A | C | B | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| (redacted) | 71 | (redacted) |  | 32620665 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 71 | (redacted) |  | 32620666 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | OH | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 72 | (redacted) |  | 32620679 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective [redacted]. Average Prime Offer Rate (APOR) used in lieu of [redacted], pursuant to [redacted] FAQ guidance. |  |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 | (redacted) |  | 32620682 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 72 | (redacted) |  | 32620683 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620719 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620720 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620722 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 73 | (redacted) |  | 32620723 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-25): Seller acknowledges exception, no change to grading. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 74 | (redacted) |  | 32620757 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 74 | (redacted) |  | 32620758 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/21/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CO | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 75 | (redacted) |  | 32620783 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 75 | (redacted) |  | 32620784 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 75 | (redacted) |  | 32620788 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Per the[redacted], this [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Subject property was [redacted] on [redacted] after the incident start date with no damage reported on the appraisal. [redacted] is not required per [redacted] guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-25): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Subject property was appraised on [redacted] after the incident start date with no damage reported on the appraisal. PDI is not required per client guides. |  |  | 11/25/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 76 | (redacted) |  | 32620809 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 76 | (redacted) |  | 32620811 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing supporting [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 77 | (redacted) |  | 32620845 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 77 | (redacted) |  | 32620846 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 78 | (redacted) |  | 32620904 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 78 | (redacted) |  | 32620905 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 79 | (redacted) |  | 32620909 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 79 | (redacted) |  | 32620910 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MD | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 80 | (redacted) |  | 32620917 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 80 | (redacted) |  | 32620918 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 81 | (redacted) |  | 32620926 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 81 | (redacted) |  | 32620927 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 82 | (redacted) |  | 32620930 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 82 | (redacted) |  | 32620931 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 83 | (redacted) |  | 32620947 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 83 | (redacted) |  | 32620948 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 84 | (redacted) |  | 32620952 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 84 | (redacted) |  | 32620953 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 85 | (redacted) |  | 32620962 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 85 | (redacted) |  | 32620963 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NV | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 86 | (redacted) |  | 32620977 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 86 | (redacted) |  | 32620978 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 87 | (redacted) |  | 32620982 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 87 | (redacted) |  | 32620983 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 88 | (redacted) |  | 32621071 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] of disaster end date. | Property inspected post disaster but [redacted] of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator | Reviewer Comment (2024-11-26): Appraisal was preformed on [redacted] after disaster. No Damage. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 | (redacted) |  | 32621072 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 88 | (redacted) |  | 32621073 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing [redacted] valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 89 | (redacted) |  | 32621089 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/25/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 89 | (redacted) |  | 32621090 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting [redacted] valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 90 | (redacted) |  | 32621134 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 90 | (redacted) |  | 32621135 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 91 | (redacted) |  | 32621165 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 91 | (redacted) |  | 32621166 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 91 | (redacted) |  | 32621170 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-11-27): Seller acknowledges the exception, no change to grading. |  |  | 11/27/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 92 | (redacted) |  | 32621199 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading. |  |  | 12/06/2024 | 2 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 | (redacted) |  | 32621200 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 92 | (redacted) |  | 32621201 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32621209 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32621210 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32621213 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-11-27): Seller accepts with no change in grading |  |  | 11/27/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32621214 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-11-27): Seller accepts with no change in grading |  |  | 11/27/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 93 | (redacted) |  | 32621216 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | VVOE is missing the source used to obtain the phone number. Please provide for review. |  |  |  | Reviewer Comment (2024-11-29): Provided VVOE is already in the file which meets the requirements, Exception Cleared.<br>Buyer Comment (2024-11-27): Please review pg [redacted] which contains the VOEs for [redacted], it confirms [redacted] as the source, please clear this exception as it is not valid | 11/29/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 94 | (redacted) |  | 32621276 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: Property is located in a [redacted] Disaster area and has been affected by the disaster. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ |  | Property inspected post disaster but pre-[redacted] declaration of disaster end date. | Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 94 | (redacted) |  | 32621277 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 94 | (redacted) |  | 32621278 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 95 | (redacted) |  | 32621284 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 95 | (redacted) |  | 32621285 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 96 | (redacted) |  | 32621311 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 | (redacted) |  | 32621312 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 96 | (redacted) |  | 32621313 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-[redacted] declaration of disaster end date. | Per the FEMA disaster website, this [redacted]disaster [redacted] began on [redacted], was declared on[redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): Per the FEMA disaster website, this [redacted] disaster [redacted] began on [redacted], was declared on [redacted] and ended on [redacted]. Post-disaster inspection is dated [redacted] after the incident start date with no damage reported on the inspection. An additional PDI is not required per client guides. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 | (redacted) |  | 32621320 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 97 | (redacted) |  | 32621321 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 98 | (redacted) |  | 32621341 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 99 | (redacted) |  | 32621388 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 99 | (redacted) |  | 32621389 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | IL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 100 | (redacted) |  | 32621464 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | OK | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 100 | (redacted) |  | 32621465 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | OK | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 100 | (redacted) |  | 32621467 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The initial Notice of Special Flood Hazards was not provided within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2024-12-02): Borrowers received the Flood Disclosure within [redacted] days of the initial application. The senior lien is escrowed for flood, therefore it's reasonable to assume the borrower was given sufficient notice prior to closing of the property being in a flood zone. Per CHD on prior reviews, exception can be cleared.<br>Buyer Comment (2024-11-29): Please see attached original flood notice from[redacted] borrower's [redacted] lien is originated and serviced by[redacted] . Borrower has maintained flood insurance on the property for man years prior to origination of the closed end [redacted]. | 12/02/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OK | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 101 | (redacted) |  | 32621469 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 101 | (redacted) |  | 32621470 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file was missing supporting secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WI | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 102 | (redacted) |  | 32621490 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 102 | (redacted) |  | 32621491 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 103 | (redacted) |  | 32621554 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 103 | (redacted) |  | 32621555 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-21): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/21/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 104 | (redacted) |  | 32621562 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 104 | (redacted) |  | 32621563 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 105 | (redacted) |  | 32621600 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/27/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 105 | (redacted) |  | 32621601 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621664 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621665 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 106 | (redacted) |  | 32621667 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-03): Seller acknowledges exception, no change to grading.<br>Reviewer Comment (2024-12-02): An appraisal is required for [redacted] Section [redacted] loans per the statute. Client can elect to waive, if you wish.<br>Buyer Comment (2024-12-02): AVM is in loan file on page [redacted] . AVM is an allowable appraisal product per guidelines. Please cancel exception. |  |  | 12/03/2024 | 2 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 | (redacted) |  | 32621692 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 107 | (redacted) |  | 32621693 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 108 | (redacted) |  | 32621700 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | LA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 108 | (redacted) |  | 32621702 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | LA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 109 | (redacted) |  | 32621713 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-09): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/09/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 109 | (redacted) |  | 32621714 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 | (redacted) |  | 32621756 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted]Day [redacted] has been discontinued effective[redacted] Average Prime Offer Rate (APOR) used in lieu of [redacted] effective[redacted], pursuant to[redacted]guidance. |  |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges the exception. This exception is for informational purposes only and does not impact grading. |  |  | 11/26/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 | (redacted) |  | 32621758 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 | (redacted) |  | 32621760 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 110 | (redacted) |  | 32621761 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster [redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-26): PDI inspected on [redacted] . No Damage. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 111 | (redacted) |  | 32621780 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/13/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 111 | (redacted) |  | 32621781 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 111 | (redacted) |  | 32621783 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted]: The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-16): Seller accepts with no change in grading |  |  | 12/16/2024 | 2 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 112 | (redacted) |  | 32621825 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 112 | (redacted) |  | 32621826 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 113 | (redacted) |  | 32621844 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Most Recent Valuation Inspection Date: [redacted] <br> Disaster End Date: [redacted]<br> Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:[redacted] | SitusAMC,Originator | Reviewer Comment (2024-11-26): Appraisal performed after disaster on [redacted] . No damage reported. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 113 | (redacted) |  | 32621845 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 113 | (redacted) |  | 32621846 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 114 | (redacted) |  | 32621861 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 114 | (redacted) |  | 32621862 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 115 | (redacted) |  | 32621877 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 115 | (redacted) |  | 32621878 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 116 | (redacted) |  | 32621889 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/13/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 116 | (redacted) |  | 32621890 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 116 | (redacted) |  | 32621893 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section [redacted]: [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2024-12-17): Verification of borrower receipt provided, exception cleared.<br>Buyer Comment (2024-12-16): Please see the attached internal confirmation the borrower viewed the [redacted] and closing disclosure within the required timeframe prior to closing. | 12/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes |
| (redacted) | 116 | (redacted) |  | 32621894 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [redacted] Constitution Section [redacted]: Final itemized disclosure of fees, points, costs and charges not provided to borrower at least[redacted] one business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2024-12-17): Verification of borrower receipt provided, exception cleared.<br>Buyer Comment (2024-12-16): Please see the attached internal confirmation the borrower viewed the [redacted] and closing disclosure within the required timeframe prior to closing. | 12/17/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes |
| (redacted) | 117 | (redacted) |  | 32621900 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 | (redacted) |  | 32621901 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, [redacted] valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 117 | (redacted) |  | 32621904 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Disclosure | [redacted]Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. |  |  |  |  | Buyer Comment (2024-12-02): [redacted]acknowledges exception, no change to grading. |  |  | 12/02/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 118 | (redacted) |  | 32621906 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 118 | (redacted) |  | 32621907 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 119 | (redacted) |  | 32621924 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Second Home | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 119 | (redacted) |  | 32621925 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Second Home | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 120 | (redacted) |  | 32621926 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 120 | (redacted) |  | 32621927 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | WA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 121 | (redacted) |  | 32621937 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 121 | (redacted) |  | 32621938 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 122 | (redacted) |  | 32621983 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 122 | (redacted) |  | 32621984 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 123 | (redacted) |  | 32622004 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 123 | (redacted) |  | 32622005 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-25): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/25/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | SC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 124 | (redacted) |  | 32622007 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 124 | (redacted) |  | 32622008 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be [redacted]. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MI | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 125 | (redacted) |  | 32622023 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 | (redacted) |  | 32622042 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-04): Appraisal completed after the incident start date reflects no damages. Inspection meets client guidelines. |  |  | 12/04/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 | (redacted) |  | 32622043 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/04/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 126 | (redacted) |  | 32622044 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted]. [redacted]was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 127 | (redacted) |  | 32622096 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 | (redacted) |  | 32622097 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 | (redacted) |  | 32622098 |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: [redacted]not provided |  |  |  |  |  | Reviewer Comment (2024-12-09): Flood Certificate provided : Exception Cleared<br>Buyer Comment (2024-12-09): Please see the attached flood certification. | 12/09/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 127 | (redacted) |  | 32622099 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) [redacted]: Special [redacted] indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  | Reviewer Comment (2024-12-09): Provided Flood certificate with details of flood zone: Exception Cleared.<br>Buyer Comment (2024-12-09): Please cancel as Flood Certification was uploaded confirming property is not located in a flood zone. | 12/09/2024 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | C | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32622110 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32622111 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided [redacted]and/or [redacted]provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32622114 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: [redacted]not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading. |  |  | 12/06/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32622115 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted][redacted] [redacted]% or [redacted] APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-06): Seller acknowledges exception, no change to grading. |  |  | 12/06/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 128 | (redacted) |  | 32622116 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: [redacted] not provided |  | Missing dec page for [redacted]policy for which premium is included in qualifying [redacted]. |  |  |  | Reviewer Comment (2024-12-06): Provided HO-06 policy for the subject property: Exception Cleared.<br>Buyer Comment (2024-12-06): Please see attached HO6 policy. | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 129 | (redacted) |  | 32622197 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 129 | (redacted) |  | 32622198 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 129 | (redacted) |  | 32622201 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted]Higher-Priced Mortgage Loan: [redacted]not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 129 | (redacted) |  | 32622202 |  |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or [redacted] APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2024-12-09): Seller acknowledges the exception, no change to grading. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| (redacted) | 130 | (redacted) |  | 32622205 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | UT | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 130 | (redacted) |  | 32622206 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | UT | Second Home | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 | (redacted) |  | 32622213 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator | Reviewer Comment (2024-12-05): PDI inspected on [redacted] . No Damage. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 | (redacted) |  | 32622214 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 131 | (redacted) |  | 32622215 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 132 | (redacted) |  | 32622224 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted]disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-09): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines. Client elects to waive with compensating factors. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 132 | (redacted) |  | 32622225 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 132 | (redacted) |  | 32622226 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/09/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 133 | (redacted) |  | 32622233 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 133 | (redacted) |  | 32622234 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-09): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/09/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | VA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 | (redacted) |  | 32622237 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-22): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/22/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 134 | (redacted) |  | 32622238 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/22/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 135 | (redacted) |  | 32622305 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 135 | (redacted) |  | 32622306 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-04): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/04/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| (redacted) | 136 | (redacted) |  | 32622362 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | ID | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 136 | (redacted) |  | 32622363 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | ID | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 137 | (redacted) |  | 32622391 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Disaster Issue: The most recent valuation inspection is dated prior to the most recent [redacted] disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted]declaration of disaster end date. | Property inspected post disaster but pre-[redacted] declaration of disaster end date. Date of disaster:[redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): Inspection completed after the incident start date reflects no damages. PDI meets client guidelines. Client elects to waive with compensating factors. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 137 | (redacted) |  | 32622392 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 137 | (redacted) |  | 32622393 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 137 | (redacted) |  | 32622396 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Please provide the source of the employer's telephone number for the borrower's VVOE. |  |  |  | Reviewer Comment (2024-12-06): Received verification of the employer's source of telephone number. Exception cleared.<br>Buyer Comment (2024-12-06): Please see attached, screenshot from the notes on the [redacted]confirming the source of the contact information is [redacted]. | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 138 | (redacted) |  | 32622398 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 138 | (redacted) |  | 32622399 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | MA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 | (redacted) |  | 32622418 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 139 | (redacted) |  | 32622419 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 140 | (redacted) |  | 32622452 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622453 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622455 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | [redacted] Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-01-08): [redacted] overage cured.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached to[redacted]<br>Buyer Comment (2025-01-07): Please see attached to [redacted] | 01/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622456 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act [redacted] Mortgage loan contains a late charge that exceeds the greater of [redacted]of the amount past due or grace period of less than [redacted] |  |  |  |  | Reviewer Comment (2025-01-08): High Cost fee overage cured.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via UPS [redacted] and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached | 01/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622457 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted]of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted](an overage of [redacted] [redacted]. Non-Compliant High Cost Loan. | Points and fees are excessive by an overage of [redacted]. Variance in the lender's testing per the QM Findings vs diligence is [redacted] |  |  |  | Reviewer Comment (2025-01-08): [redacted] received [redacted], borrower choice letter indicating that they choose to accept [redacted] and make loan not high cost, copy of refund check and proof of mailing.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via UPS[redacted] and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The tracking number provided shows the Completed has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached |  | 01/08/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | D | D | A | A | C | B | D | D | Non QM | Non QM | Yes |
| (redacted) | 140 | (redacted) |  | 32622458 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a [redacted]loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2025-01-08): High Cost fee overage cured.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via[redacted]and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The [redacted] provided shows the cure package has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower.[redacted] remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached | 01/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622459 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-01-08): [redacted] overage cured.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached | 01/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 140 | (redacted) |  | 32622460 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): [redacted] did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-01-08): [redacted]overage cured.<br>Buyer Comment (2025-01-08): Please see attached confirming the package has been mailed via [redacted] and is scheduled to be delivered today<br>Reviewer Comment (2025-01-07): The tracking number provided shows the [redacted]e has not been sent yet. Before this can be reviewed by compliance, evidence of borrower receipt will need to be provided. Please resubmit once the package has been sent to the borrower. Exception remains for additional information.<br>Buyer Comment (2025-01-07): Please see attached | 01/08/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | C | B | D | D | Non QM | Non QM | No |
| (redacted) | 141 | (redacted) |  | 32622462 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622463 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the [redacted] required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 141 | (redacted) |  | 32622465 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted] The [redacted] cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  | Buyer Comment (2024-12-10): Seller acknowledges exception, no change to grading. |  |  | 12/10/2024 | 2 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 | (redacted) |  | 32622481 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 | (redacted) |  | 32622482 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the s [redacted]required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 142 | (redacted) |  | 32622483 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a [redacted]. A post disaster inspection verifying there was no damage to the subject property is required." | Property inspected post disaster but [redacted]declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Inspection completed after the incident [redacted]e reflects no damages. [redacted]meets client guidelines. Client elects to[redacted] |  |  | 12/06/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 | (redacted) |  | 32622490 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 143 | (redacted) |  | 32622491 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 144 | (redacted) |  | 32622498 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 144 | (redacted) |  | 32622499 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 145 | (redacted) |  | 32622549 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 145 | (redacted) |  | 32622550 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 146 | (redacted) |  | 32622562 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 146 | (redacted) |  | 32622563 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 147 | (redacted) |  | 32622566 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 147 | (redacted) |  | 32622567 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted]. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 148 | (redacted) |  | 32622574 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 148 | (redacted) |  | 32622575 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 149 | (redacted) |  | 32622622 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 149 | (redacted) |  | 32622623 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 150 | (redacted) |  | 32622635 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 150 | (redacted) |  | 32622636 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CT | Primary | Refinance - Cash-out - Other |  | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 150 | (redacted) |  | 32622638 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] was used, the [redacted] should have been used. |  |  |  |  | Buyer Comment (2024-12-09): Seller acknowledges exception, no change to grading. |  |  | 12/09/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | D | A | A | B | B | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| (redacted) | 151 | (redacted) |  | 32622648 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 151 | (redacted) |  | 32622649 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 151 | (redacted) |  | 32622651 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-06): Inspection completed after the incident start date reflects no damages. [redacted]meets client guidelines. Client elects to waive with compensating factors. |  |  | 12/06/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 152 | (redacted) |  | 32622667 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/06/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 152 | (redacted) |  | 32622668 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | PA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 153 | (redacted) |  | 32622670 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 153 | (redacted) |  | 32622671 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | AZ | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 154 | (redacted) |  | 32622685 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized.[redacted]. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file is missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 154 | (redacted) |  | 32622686 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 154 | (redacted) |  | 32622687 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted]declaration of disaster end date. | Property inspected post disaster but[redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-05): PDI dated after the incident start date reflects no damages. Inspection meets client's guidelines. |  |  | 12/05/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 155 | (redacted) |  | 32622703 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 155 | (redacted) |  | 32622704 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 155 | (redacted) |  | 32622705 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing evidence the mortgage is escrowed for this property, please provide for review. |  |  |  | Reviewer Comment (2024-12-06): Provided final [redacted]of the property, Exception cleared.<br>Buyer Comment (2024-12-06): Please see the attached closing disclosure for this property. | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | UT | Primary | Refinance - Cash-out - Other |  | D | D | C | A | A | A | D | D | Non QM | Non QM | No |
| (redacted) | 156 | (redacted) |  | 32622715 |  |  | Compliance | Compliance | State Compliance | Compliance | [redacted] has been discontinued effective[redacted] Average Prime Offer Rate [redacted] used in lieu of RNY effective [redacted] pursuant to [redacted]. |  |  |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, no change to [redacted] |  |  | 12/05/2024 | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 156 | (redacted) |  | 32622717 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 156 | (redacted) |  | 32622718 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | NC | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 157 | (redacted) |  | 32622735 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 157 | (redacted) |  | 32622736 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 158 | (redacted) |  | 32622748 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 158 | (redacted) |  | 32622749 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-03): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/03/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 158 | (redacted) |  | 32622752 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay [redacted]Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared. |  |  |  | Reviewer Comment (2024-12-06): Received Most recent [redacted]meets [redacted]requirement in lieu of [redacted] dated within[redacted] of the[redacted], Exception cleared.<br>Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin[redacted]s days of closing in lieu of the [redacted] | 12/06/2024 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| (redacted) | 158 | (redacted) |  | 32622753 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment -[redacted] | Ability to Repay [redacted]: Unable to verify current [redacted]mployment status using reasonably reliable third-party records. | Due to missing the Third Party Verification of Employment for [redacted] |  |  |  | Reviewer Comment (2024-12-06): Received Most recent paystub dated[redacted] meets[redacted] requirement in lieu of[redacted] dated [redacted], Exception cleared.<br>Buyer Comment (2024-12-06): Please see the attached [redacted] dated wtihin [redacted]f closing in lieu of the VOE | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 158 | (redacted) |  | 32622755 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file is missing the Third Party Verification of Employment for [redacted] |  |  |  | Reviewer Comment (2024-12-06): Received Most recent paystub dated[redacted]meets fnma's [redacted]equirement in lieu of VVOE dated within[redacted] of the Note date, Exception cleared.<br>Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin [redacted] days of closing in lieu of the [redacted] | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 158 | (redacted) |  | 32622756 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]days of the Note. |  | The file is missing the Third Party Verification of Employment for [redacted] |  |  |  | Reviewer Comment (2024-12-06): Received Most recent paystub dated [redacted]eets [redacted] requirement in lieu of[redacted] dated within [redacted], Exception cleared.<br>Buyer Comment (2024-12-06): Please see the attached paystub dated wtihin [redacted]of closing in lieu of the VOE | 12/06/2024 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| (redacted) | 159 | (redacted) |  | 32622759 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but [redacted] declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-12-04): Inspection completed after the incident start date reflects no damages. [redacted]meets client guidelines. |  |  | 12/04/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 159 | (redacted) |  | 32622761 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 160 | (redacted) |  | 32622763 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 160 | (redacted) |  | 32622764 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 161 | (redacted) |  | 32622785 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 162 | (redacted) |  | 32622811 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/26/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 162 | (redacted) |  | 32622812 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 162 | (redacted) |  | 32622813 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but [redacted] declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. [redacted] | SitusAMC,Originator,Aggregator | Reviewer Comment (2024-11-26): Inspection completed after the incident start date reflects no damages. [redacted] meets client guidelines. Client elects to waive with compensating factors. |  |  | 11/26/2024 | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | B | B | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 163 | (redacted) |  | 32622876 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 163 | (redacted) |  | 32622877 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief.[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-26): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/26/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 164 | (redacted) |  | 32622905 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/29/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 164 | (redacted) |  | 32622906 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-11-27): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/27/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 165 | (redacted) |  | 32622950 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/03/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 165 | (redacted) |  | 32622951 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | GA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 166 | (redacted) |  | 32706911 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 11/20/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 166 | (redacted) |  | 32706912 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Missing secondary valuation. The provided CU and/or LCA provide relief. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-11-20): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 11/20/2024 | 2 | A | A | A | A | N/A | N/A |  |  | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| (redacted) | 167 | (redacted) |  | 32706946 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/09/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 167 | (redacted) |  | 32706947 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-06): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/06/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 168 | (redacted) |  | 32706998 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-12-02): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/02/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 168 | (redacted) |  | 32706999 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/02/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 169 | (redacted) |  | 32707002 |  |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 12/05/2024 | 2 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| (redacted) | 169 | (redacted) |  | 32707003 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-12-05): Seller acknowledges exception, secondary valuation not required per product guidelines. |  |  | 12/05/2024 | 3 | D | D | A | A | N/A | N/A |  |  | D | D |  | CA | Primary | Refinance - Cash-out - Other |  | D | D | A | A | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) | ![](ex99-1sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| (redacted) | 1 | (redacted) | 1 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 2 | (redacted) | 2 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 3 | (redacted) | 3 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 4 | (redacted) | 4 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 5 | (redacted) | 5 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 6 | (redacted) | 6 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 7 | (redacted) | 7 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | N/A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 8 | (redacted) | 8 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 9 | (redacted) | 9 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 10 | (redacted) | 10 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 11 | (redacted) | 11 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 12 | (redacted) | 12 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 13 | (redacted) | 13 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 14 | (redacted) | 14 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 15 | (redacted) | 15 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 16 | (redacted) | 16 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 17 | (redacted) | 17 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 18 | (redacted) | 18 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 19 | (redacted) | 19 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 20 | (redacted) | 20 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 21 | (redacted) | 21 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 22 | (redacted) | 22 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 23 | (redacted) | 23 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 24 | (redacted) | 24 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 25 | (redacted) | 25 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 26 | (redacted) | 26 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 27 | (redacted) | 27 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 28 | (redacted) | 28 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 29 | (redacted) | 29 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 30 | (redacted) | 30 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 31 | (redacted) | 31 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 32 | (redacted) | 32 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 33 | (redacted) | 33 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 34 | (redacted) | 34 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 35 | (redacted) | 35 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 36 | (redacted) | 36 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 37 | (redacted) | 37 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 38 | (redacted) | 38 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 39 | (redacted) | 39 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 40 | (redacted) | 40 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 41 | (redacted) | 41 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 42 | (redacted) | 42 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 43 | (redacted) | 43 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 44 | (redacted) | 44 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 45 | (redacted) | 45 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 46 | (redacted) | 46 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 47 | (redacted) | 47 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 48 | (redacted) | 48 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 49 | (redacted) | 49 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 50 | (redacted) | 50 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 51 | (redacted) | 51 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 52 | (redacted) | 52 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 53 | (redacted) | 53 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 54 | (redacted) | 54 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 55 | (redacted) | 55 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 56 | (redacted) | 56 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 57 | (redacted) | 57 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 58 | (redacted) | 58 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 59 | (redacted) | 59 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 60 | (redacted) | 60 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 61 | (redacted) | 61 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 62 | (redacted) | 62 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 63 | (redacted) | 63 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 64 | (redacted) | 64 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 65 | (redacted) | 65 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 66 | (redacted) | 66 |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 67 | (redacted) | 67 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 68 | (redacted) | 68 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 69 | (redacted) | 69 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 70 | (redacted) | 70 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 71 | (redacted) | 71 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 72 | (redacted) | 72 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 73 | (redacted) | 73 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 74 | (redacted) | 74 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 75 | (redacted) | 75 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 76 | (redacted) | 76 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 77 | (redacted) | 77 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 78 | (redacted) | 78 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 79 | (redacted) | 79 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 80 | (redacted) | 80 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 81 | (redacted) | 81 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 82 | (redacted) | 82 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 83 | (redacted) | 83 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 84 | (redacted) | 84 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 85 | (redacted) | 85 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 86 | (redacted) | 86 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 87 | (redacted) | 87 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 88 | (redacted) | 88 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 89 | (redacted) | 89 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 90 | (redacted) | 90 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 91 | (redacted) | 91 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 92 | (redacted) | 92 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 93 | (redacted) | 93 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 94 | (redacted) | 94 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 95 | (redacted) | 95 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 96 | (redacted) | 96 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 97 | (redacted) | 97 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 98 | (redacted) | 98 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 99 | (redacted) | 99 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 100 | (redacted) | 100 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 101 | (redacted) | 101 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 102 | (redacted) | 102 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 103 | (redacted) | 103 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 104 | (redacted) | 104 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 105 | (redacted) | 105 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 106 | (redacted) | 106 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 107 | (redacted) | 107 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 108 | (redacted) | 108 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 109 | (redacted) | 109 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 110 | (redacted) | 110 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 111 | (redacted) | 111 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 112 | (redacted) | 112 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 113 | (redacted) | 113 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 114 | (redacted) | 114 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 115 | (redacted) | 115 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 116 | (redacted) | 116 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 117 | (redacted) | 117 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 118 | (redacted) | 118 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 119 | (redacted) | 119 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 120 | (redacted) | 120 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 121 | (redacted) | 121 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 122 | (redacted) | 122 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 123 | (redacted) | 123 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 124 | (redacted) | 124 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 125 | (redacted) | 125 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 126 | (redacted) | 126 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 127 | (redacted) | 127 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 128 | (redacted) | 128 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 129 | (redacted) | 129 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 130 | (redacted) | 130 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 131 | (redacted) | 131 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 132 | (redacted) | 132 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 133 | (redacted) | 133 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 134 | (redacted) | 134 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 135 | (redacted) | 135 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 136 | (redacted) | 136 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 137 | (redacted) | 137 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 138 | (redacted) | 138 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 139 | (redacted) | 139 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 140 | (redacted) | 140 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 141 | (redacted) | 141 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 142 | (redacted) | 142 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 143 | (redacted) | 143 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 144 | (redacted) | 144 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 145 | (redacted) | 145 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 146 | (redacted) | 146 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 147 | (redacted) | 147 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 148 | (redacted) | 148 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 149 | (redacted) | 149 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 150 | (redacted) | 150 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 151 | (redacted) | 151 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 152 | (redacted) | 152 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 153 | (redacted) | 153 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 154 | (redacted) | 154 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 155 | (redacted) | 155 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 156 | (redacted) | 156 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 157 | (redacted) | 157 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 158 | (redacted) | 158 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | N/A | N/A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 159 | (redacted) | 159 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| (redacted) | 160 | (redacted) | 160 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 161 | (redacted) | 161 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 162 | (redacted) | 162 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| (redacted) | 163 | (redacted) | 163 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 164 | (redacted) | 164 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 165 | (redacted) | 165 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 166 | (redacted) | 166 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | N/A | N/A | A |  | A | A | A | A | A |  |
| (redacted) | 167 | (redacted) | 167 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 168 | (redacted) | 168 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 169 | (redacted) | 169 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | A | A | A | D |  |
| (redacted) | 170 | (redacted) | 170 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) | ![](ex99-1sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/27/2025 2:23:10 PM** | **Run Date - 8/27/2025 2:23:10 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| (redacted) | 1 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 2 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 3 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| (redacted) | 4 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 5 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 6 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.780% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 7 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.640% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 8 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 9 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.600% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 10 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.970% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 11 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 12 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 13 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| (redacted) | 14 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 15 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| (redacted) | 16 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 17 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 18 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| (redacted) | 19 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -33.590% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 20 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 21 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 22 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 23 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.960% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 24 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 25 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 26 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 27 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 28 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 29 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 30 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 31 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 32 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 33 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| (redacted) | 34 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 35 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 36 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 37 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 38 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 39 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 40 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 41 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 42 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 43 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 44 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| (redacted) | 45 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 46 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 47 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 48 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 49 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 50 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 51 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 52 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 53 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 54 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 55 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 56 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 57 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 58 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 59 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| (redacted) | 60 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 61 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 62 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 63 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 64 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 65 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 66 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 67 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 68 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 69 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 70 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 71 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 72 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 73 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 74 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 75 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 76 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 77 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 78 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 79 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 80 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 81 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 82 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 83 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 84 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 85 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 86 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 87 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 88 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 89 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 90 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| (redacted) | 91 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 92 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 93 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 94 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 95 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 96 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 97 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 98 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -15.470% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 99 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 100 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 101 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 102 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 103 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 104 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 105 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| (redacted) | 106 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 107 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 108 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 109 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 110 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 111 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 112 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 113 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 114 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 115 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 116 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 117 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 118 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 119 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 120 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 121 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| (redacted) | 122 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 123 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 124 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 125 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.830% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 126 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 127 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 128 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 129 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 130 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 131 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 132 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 133 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 134 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 135 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 136 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 137 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 138 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 139 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 140 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 141 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 142 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 143 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 145 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 146 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 147 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 148 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 149 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 150 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 151 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 152 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 153 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 154 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 155 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 156 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 157 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 158 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| (redacted) | 159 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.760% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 160 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 161 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.560% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 162 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 163 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 164 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| (redacted) | 165 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 166 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 167 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 168 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 169 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  |  |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 170 | (redacted) |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.440% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.2

**Exhibit 99.2**

**EXECUTIVE SUMMARY**

**third party due diligence review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The review included a total of 427 newly originated residential mortgage loans, in connection with the securitization identified as BARC 2025-NQM5 (the "Securitization"). The Review was conducted from April 2025 through August 2025 on mortgage loans originated between April 2025 and August 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (427 loans in total):

Twenty-one (21) loans had a Secondary Appraisal, zero (0) loans had AVMs, and four hundred twenty-five (425) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Four (4) loans had a Field Review or BPO, and zero (0) loans had a Full Appraisal Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred thirty-six (427) mortgage loans reviewed, eighty-seven (87) unique mortgage loans (20.37% by loan count) had a total of ninety-four (94) different tape discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;39 | &nbsp;&nbsp;41.49% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;37 | &nbsp;&nbsp;39.36% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;9.57% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.32% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results: (S&P)** | **Overall Loan Results: (S&P)** | **Overall Loan Results: (S&P)** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 415 | $256125896.00 | 97.19% |
| Event Grade B | 12 | $9484750.00 | 2.81% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 427 | $265610646.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results: (S&P)** | **Credit Results: (S&P)** | **Credit Results: (S&P)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 424 | 99.30% |
| Event Grade B | 3 | 0.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 427 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 421 | 98.59% |
| Event Grade B | 6 | 1.41% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 427 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 424 | 99.30% |
| Event Grade B | 3 | 0.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 427 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;315 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing legal documents for senior or subordinate lien | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud: Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Personal Bank Statements Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Collections, liens or judgments not paid at closing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing evidence of self employment | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower information on 1003 is incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing operating income statement form 216 | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Award Letter Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Tax Cert | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***477*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;370 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Power of Attorney | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Non-Borrower Title Holder Did Not Receive Right of Rescission Form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Closing Date is missing or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Disbursement Date is missing or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Originator NMLS is Not Valid | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Riders incomplete / inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan Originator Company NMLS is Not Valid | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***444*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;413 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Condo project is ineligible | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Second Appraisal is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***429*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | 900000002 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| XXXXX | 900000004 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| XXXXX | 900000008 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000040 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000088 | Borrower 1 Citizen | XXX | XXX | Per 1003 for B1 |
| XXXXX | 900000096 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000102 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| XXXXX | 900000118 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000146 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000150 | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| XXXXX | 900000150 | Qualifying FICO | XXX | XXX | Per Primary Wage Earner Mid Score |
| XXXXX | 900000152 | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| XXXXX | 900000152 | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident Cardd |
| XXXXX | 900000162 | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB. |
| XXXXX | 900000174 | Borrower 1 FTHB | XXX | XXX | updated per final 1003 |
| XXXXX | 900000184 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000202 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000218 | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| XXXXX | 900000238 | Property Type | XXX | XXX | Per 1004. |
| XXXXX | 900000248 | Prepayment Penalty Flag | XXX | XXX | Per documentation. |
| XXXXX | 900000250 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000252 | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| XXXXX | 900000252 | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| XXXXX | 900000264 | Borrower 1 Citizen | XXX | XXX | Per 1003's and documentation; true is accurate. |
| XXXXX | 900000300 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000318 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| XXXXX | 900000332 | Borrower 1 FTHB | XXX | XXX | Per 1003's; FTHB is accurate - reason for lower maximum DTI. |
| XXXXX | 900000334 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000336 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000370 | Qualifying FICO | XXX | XXX | Primary Wage Earners FICO used for Audit. |
| XXXXX | 900000372 | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB. |
| XXXXX | 900000412 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000414 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000414 | Qualifying FICO | XXX | XXX | Per Primary Wage Earner credit score |
| XXXXX | 900000430 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000444 | Qualifying FICO | XXX | XXX | Guidelines require the primary wage earner mid-score. |
| XXXXX | 900000466 | Borrower 1 Citizen | XXX | XXX | Borrower is a permanent resident alien. |
| XXXXX | 900000470 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000470 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000476 | Prepayment Penalty Total Term | XXX | XXX | XXX month ppp |
| XXXXX | 900000490 | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident Card |
| XXXXX | 900000492 | Borrower 1 Citizen | XXX | XXX | Final loan application indicates Permanent Resident Alien and the file contains his Permanent Resident Alien card. |
| XXXXX | 900000494 | Borrower 1 Citizen | XXX | XXX | Per 1003's and citizenship documentation. |
| XXXXX | 900000496 | Borrower 1 Citizen | XXX | XXX | Borrower is Perm Resident |
| XXXXX | 900000498 | Borrower 1 Citizen | XXX | XXX | Permanent Resident card in file. |
| XXXXX | 900000500 | Borrower 1 Citizen | XXX | XXX | Per citizenship documentation. |
| XXXXX | 900000502 | Borrower 1 Citizen | XXX | XXX | File contains a Permanent Resident Alien card for the borrower. Final loan application also states Permanent Resident |
| XXXXX | 900000504 | Borrower 1 Citizen | XXX | XXX | Per citizenship documentation. |
| XXXXX | 900000506 | Borrower 1 Citizen | XXX | XXX | Non-Perm Resident |
| XXXXX | 900000520 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000522 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000532 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000548 | Borrower 1 Citizen | XXX | XXX | Perm-Resident |
| XXXXX | 900000554 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| XXXXX | 900000558 | Property Type | XXX | XXX | Per Appraisal |
| XXXXX | 900000564 | Property Type | XXX | XXX | The appraisal confirms the property is attached. |
| XXXXX | 900000566 | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| XXXXX | 900000568 | Qualifying FICO | XXX | XXX | Per Primary Wage Earner middle credit score |
| XXXXX | 900000570 | Borrower 1 Citizen | XXX | XXX | Per 1003's and ID documentation. |
| XXXXX | 900000594 | Borrower 1 FTHB | XXX | XXX | Per 1003's; no mortgage history reflected on the credit report. |
| XXXXX | 900000606 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| XXXXX | 900000614 | Property Type | XXX | XXX | Per appraisal |
| XXXXX | 900000634 | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident card |
| XXXXX | 900000638 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000658 | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| XXXXX | 900000664 | Borrower 1 Citizen | XXX | XXX | taken from final 1003 |
| XXXXX | 900000672 | Borrower 1 FTHB | XXX | XXX | Per 1003's; no mortgage history reflected on the credit report. |
| XXXXX | 900000674 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000696 | Borrower 1 FTHB | XXX | XXX | First time homebuyer per loan application and credit report |
| XXXXX | 900000700 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB. |
| XXXXX | 900000704 | Borrower 1 Citizen | XXX | XXX | Per 1003's and documentation. |
| XXXXX | 900000712 | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| XXXXX | 900000718 | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident Card |
| XXXXX | 900000718 | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| XXXXX | 900000720 | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| XXXXX | 900000724 | Borrower 1 Citizen | XXX | XXX | Perm-Resident |
| XXXXX | 900000738 | Property Type | XXX | XXX | Property type verified via Appraisal report. |
| XXXXX | 900000740 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000744 | Qualifying FICO | XXX | XXX | Per Primary Wage Earner, Alt Doc |
| XXXXX | 900000754 | Borrower 1 Citizen | XXX | XXX | Borrowers are permanent resident aliens. |
| XXXXX | 900000756 | Borrower 1 Citizen | XXX | XXX | Borrower is a Per Resident |
| XXXXX | 900000766 | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| XXXXX | 900000772 | Qualifying FICO | XXX | XXX |  |
| XXXXX | 900000784 | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| XXXXX | 900000788 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000790 | Borrower 1 Citizen | XXX | XXX | Borrower is a permanent resident alien. |
| XXXXX | 900000800 | Qualifying FICO | XXX | XXX |  |
| XXXXX | 900000826 | Borrower 1 Citizen | XXX | XXX | Per Permanent Resident Card |
| XXXXX | 900000828 | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| XXXXX | 900000832 | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB. |
| XXXXX | 900000834 | Borrower 1 FTHB | XXX | XXX | Per fraud report |
| XXXXX | 900000844 | Borrower 1 Citizen | XXX | XXX | Citizenship verified. |
| XXXXX | 900000844 | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| XXXXX | 900000852 | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| XXXXX | 900000002 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/xx/2025 | Resolved | FCOM1265 | Compliance | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Documentation required: Provide Right to Cancel notice for Non-Borrower Title Holder. | Document Uploaded. Hi, please see attached. | 04/xx/2025 | Non-Borrower Title Holder Received Right of Rescission Form | 04/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000002 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  | Cleared | 04/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000002 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  | Cleared | 04/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000004 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000004 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000004 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 05/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000006 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000006 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000006 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 05/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000008 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000008 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000008 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 05/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000010 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Desk Review reflects the original Appraisal amount was $XXX, but was actually $XXX Appears to be a typo. | Document Uploaded. | 06/xx/2025 | Property/Appraisal Meets Guidelines; Documentation provided is sufficient. Exception resolved | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000010 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000010 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). XXX Cure refund $XXX, Cure requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The file did not contain a COC for the addition of the Appraisal - departing residence fee added on the CD dated XX/xx/XXXX | Document Uploaded. | 06/xx/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000010 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000012 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000012 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000012 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000014 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/xx/2025 | A |
| XXXXX | 900000014 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/xx/2025 | A |
| XXXXX | 900000014 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/xx/2025 | A |
| XXXXX | 900000016 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000016 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000016 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 06/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000018 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000018 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000018 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000020 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Missing sufficient hazard insurance to cover the loan amount $XXX. NO evidence of sufficient hazard coverage or the Replacement cost estimator used. The replacement cost new estimate provided by Appraiser is more than the coverage listed on hazard policy. | Document Uploaded. | 07/xx/2025 | Documentation provided is sufficient. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000020 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 06/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000020 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000022 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Accessory dwelling (ADU) box is checked on the 1st page of the appraisal vs comments appraiser made stating it is not an ADU, it's an office and it's non permitted. ADU Lender guidelines require 2 comparable sales, and a statement that the Property is typical, readily acceptable, and common in the subject's market area. | Document Uploaded. | 07/xx/2025 | Documentation is acceptable. Updated Appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000022 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. It appears the lender did not reduce the seller credit when the XXX price decreased to $XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. PCCD provided reflects adjusted Seller Credit. Exception resolved.; Audited Interested Party Contribution is less than or equal to Guideline Program Maximum | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000022 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000024 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000024 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000024 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000026 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000026 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000026 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000028 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documents for other REO XXX to verify PITIA. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Final CD provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000028 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE4963 | Credit | No evidence of required debt payoff | The payoff for the current subject mortgage with XXX #XXX XX/xx/XXXX has a payoff amount of $XXX and subject loan amount $XXX and payoff on final CD shows $XXX. Lender to document how the full current loan amount of $XXX was paid off. If funds from the refinance of XXX were used provide final CD/HUD to verify. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Final CD provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000028 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000028 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000030 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000030 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000030 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000032 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Lender to verify that loss of use $XXX on the HOI policy is the same as rent loss insurance. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Rent Loss coverage provided. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000032 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000032 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000034 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition:<br>- The Tax Related Service Fee of $XXX was added to Sec. A of the initial CD, dated XX/xx/XXXX.<br>The file does not contain a valid COC for the addition of this fee. <br>This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). | Document Uploaded. | 07/xx/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000034 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000034 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000036 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000036 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000036 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000038 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000038 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000038 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000040 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000040 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000040 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000042 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000042 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000042 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000044 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000044 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000044 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000046 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000046 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000046 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000048 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000048 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000048 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000050 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Guidelines require Rent Loss insurance covering a minimum of XXX months of the qualifying rental figure. The Hazard policy does not specify rent loss coverage. Documentation is required to support Rent Loss coverage of a minimum of XXX months of the qualifying rental figure, $XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Rent loss coverage verified. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000050 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000050 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000052 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase:<br>- The appraisal fee increased from $XXX to $XXX on the initial CD dated XX/xx/XXXX.<br>The file contains a COC dated XX/xx/XXXX, which reflected "Appraisal fee disclosed at $XXX. Actual fee is $XXX." This reason is not considered to be a valid reason for the increase of this fee and the invoice is dated XX/xx/XXXX therefore its not considered disclosed timely This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). | Document Uploaded. | 07/xx/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000052 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000052 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000054 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Appraisal report on page XXX is marked tenant and the transaction is listed as the borrowers primary. Lender to obtain updated appraisal with occupancy marked owner or acceptably address. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Updated Appraisal provided. Exception resolved.; The issue with the property has been resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000054 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000054 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000056 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Rescinded | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. <br>- The rate lock was extended on XX/xx/XXXX, which lowered the Lender Credit from $XXX to $XXX.<br>The COC to support the reduction in the Lender Credits is dated XX/xx/XXXX (pg. XXX) and is more than 3 business days prior to the date of the final CD, dated XX/xx/XXXX. The file is missing evidence to indicate that a revised CD was issued within XXX business days after the Rate lock was extended, and preceding the final CD. | Document Uploaded. Please see final CD. Lender Credit was applied for this defect (COC missed) - XXX$ - section J. | 07/xx/2025 | Lender credit cure on final CD was for cure of lender credit violation; Exception resolved; Lender credit cure on final CD was for cure of lender credit violation; Exception resolved | 07/xx/2025 | C A |
| XXXXX | 900000056 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000056 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000056 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000058 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000058 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000058 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000060 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000060 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000060 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000062 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000062 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000062 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000064 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to verify monthly payment of $XXX for other REO at XXX per final 1003 | Document Uploaded. Total PITI for XXXis shown as $XXX total which includes a mortgage with XXX #XXX with $XXX payment that includes taxes and insurance and a mortgage with XXX #XXX for $XXX. Mortgage with XXX #XXX is actually a duplicate of XXX #XXX. Copy of current mortgage statement for XXX #XXX is in file verifying taxes and insurance are included in payment. Total PITI for this property should only be $XXX but the duplicate mortgage for $XXX was also included in the DTI in error. See credit supp that shows XXX #XXX has a $XXX balance and was transferred to XXX #XXX | 07/xx/2025 | Documentation is sufficient. Mortgage statement provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000064 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000064 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000066 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. XXX-XXX), which matches the subject lender, and therefore, RTC form model XXX (Same Creditor) was required to be used.  | Document Uploaded. | 07/xx/2025 | Cure package provided to the borrower | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000066 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000066 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000068 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000068 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000068 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000070 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000070 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000070 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000072 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000072 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000072 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000074 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000074 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000074 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000076 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000076 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000076 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000078 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000078 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000078 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000080 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000080 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000080 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000082 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000082 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000082 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000084 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000084 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000084 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000086 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The Enhanced Desk review valuation amount of $XXX exceeds XXX% tolerance of Appraisal valuation amount of $XXX. The review conclusion / Quality of appraisal report section of the desk review reflects 'Inadequate'. Per guidelines, If the Appraisal Review Product reflects a value more than XXX% below the appraised value or cannot provide a validation, the next option in the review waterfall must be followed. The next option would be either a field review or second appraisal, both must be from a different appraisal company and appraiser than the original appraisal. | Document Uploaded. | 07/xx/2025 | ; ; Guidelines require a secondary Appraisal Review to be within a XXX% tolerance. The value of $XXX is more than a XXX% difference from the appraised value of $XXX. However, a credit exception was approved to allow the greater than XXX% difference, and to use a secondary CDA of $XXX, citing compensating factors of an excellent credit history / minimal use of consumer credit, excessive reserves and a low DTI. Acknowledged and downgraded. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000086 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000086 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000088 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000088 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000088 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000090 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000090 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000090 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000092 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000092 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000092 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000094 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000094 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000094 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000096 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000096 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000096 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000098 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Provide complete pages of final DOT. Document in file is cut off on each page at the bottom. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | D A |
| XXXXX | 900000098 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000098 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000100 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000100 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000100 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000102 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. Initial CD in file is signed on XX/xx/XXXX which is less than XXX days prior to consummation. The file is also missing the compliance summary. | Document Uploaded. | 07/xx/2025 | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000102 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000102 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000104 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 1008 reflects an HOA payment of $XXX. The Realtor advertisement and Appraisal reflect $XXX per month. Need clarification on the correct HOA amount. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Clarification of HOA provided. Exception resolved. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000104 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000104 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000106 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000106 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000106 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000108 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000108 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000108 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000110 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000110 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000110 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000112 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000112 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000112 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000114 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000114 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000114 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000116 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000116 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000118 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000118 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000118 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000120 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Asset, XXX, #XXX, used for qualifying income under the XXX Guideline, reflects the account is under agreement dated, XX/xx/XXXX, by the borrower and pledged to XXX. Trust Certification and Trust Document is present in the loan file. Documentation to validate a pledged asset to another institution is acceptable to the Lender as a qualifying income stream is required. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Account information and explanation provided. Exception resolved. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000120 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000120 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000122 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Signature line for Power of Attorney (POA) is missing. Per lender final approval POA is to sign line as printed but signature line just reflects the borrower's name. POA signing info is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Present | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000122 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Signature line for Power of Attorney (POA) is missing. Per lender final approval POA is to sign line as printed but signature line just reflects the borrower's name. POA signing info is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Deed provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000122 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000122 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000122 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000124 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000124 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000124 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000126 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000126 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000128 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000128 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000128 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000130 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000130 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000130 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000132 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000132 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000132 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000134 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000134 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000134 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000136 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE5123 | Credit | Missing Business Entity Formation Document | Operating agreement does not state that the business purpose of the XXX is limited to ownership and management of real property. Required per lender guidelines. | Document Uploaded. | 07/xx/2025 | Guidelines state an Operating Agreement stating the purpose of the XXX is limited to ownership and management of real property. No Operating Agreement verbiage was provided. However, a Credit Exception was approved to use the Agreement not specific to managing real estate, citing compensating factors of an excellent credit history/minimal use of credit, excessive reserves and mortgage paid on time XXX+ months. Acknowledged and downgraded. | 07/xx/2025 | B A |
| XXXXX | 900000136 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | B A |
| XXXXX | 900000136 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | B A |
| XXXXX | 900000138 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000138 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000138 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000140 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000140 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000140 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000142 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of business existence within XXX days of the note date. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Business Search provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000142 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of hazard insurance and HOA dues for the property at XXX or LOE to explain they are not required. | Document Uploaded. Per [property profile this is a vacant lot-pg XXX under site information | 07/xx/2025 | Documentation sufficient. Property profile provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000142 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000142 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000144 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000144 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000144 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000146 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Operating agreement reflecting borrowers percentage of ownership of the company is not executed. Needed to determine percentage of bank statement income to use. Income is subject to recalculation. Audit used XXX%. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Operating Agreement provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000146 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XXX(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(1)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. The final revised LE in file shows receipt date as XX/xx/XXXX which is less than XXX days prior to consummation | Document Uploaded. | 07/xx/2025 | LE receipt date provided; Exception resolved; LE receipt date provided; Exception resolved | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000146 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000146 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1162 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided Flood Cert, and HOA Master Policy reflect the property address as: XXX vs note XXX. Unit number is missing. | Document Uploaded. ; Document Uploaded. Please see description for address update | 07/xx/2025 | Documentation sufficient. Updated Flood Cert provided. Exception resolved.; Flood Certificate is fully present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000146 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000148 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The Notary stamp is missing the date borrower executed the document. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Updated Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000148 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Rent loss coverage provided. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000148 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000148 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000150 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed document is not signed and a processor cert indicating the intent to proceed was given was not found in file | Document Uploaded. | 07/xx/2025 | Proof of Intent to Proceed has been provided. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| XXXXX | 900000150 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XXX(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(1)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Documentation Required missing proof revised Loan Estimate was received at least XXX days prior to consummation | Document Uploaded. | 07/xx/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000150 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000150 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000150 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000152 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The final CD missing, therefore unable to accurately calculate what was utilized towards cash-to-close and reserves. Audit verified $XXX in total assets between XXX XXX accounts. Of the $XXX, and estimated $XXX was paid toward closing cost, leaving $XXX for reserves, when $XXX is required. Again the closing cost paid is not an accurate figure because it is from the initial CD. Currently there is a shortfall of $XXX to meet the minimum required reserves. | Document Uploaded. ; I will get you the signed CD, but here is the PCCD for this one. ; Document Uploaded. | 07/xx/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000152 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The required, executed Final CD is missing from the loan file. | Document Uploaded. | 07/xx/2025 | TRID: Final Closing Disclosure Provided; Final CD provided; Exception resolved | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000152 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000154 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000154 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000154 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000156 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000156 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000156 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000158 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000158 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000158 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000160 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000160 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000160 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000162 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000162 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000162 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000164 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000164 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000164 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000166 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000166 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000166 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000168 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The XX/xx/XXXX LoanSafe report has XXX open high alerts; click the link on the report to clear them. Provide an updated report with all high alerts cleared (include commentary on how/why it was cleared). | Document Uploaded. | 07/xx/2025 | Documentation sufficient. UW addressed alerts. Exception resolved. ; All Fraud Report Alerts have been cleared or None Exist | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000168 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The final CD, confirming the PITIA for the recent refinances with XXX, are missing: XXX, XXX, XXX, XXX, and XXX. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Final CD's provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000168 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000168 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000170 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing - The final CD, to verify the PITIA for the recent refinances with XXX, XXX | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Final CD's provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000170 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000170 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000172 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000172 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000174 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM9610 | Compliance | Missing Power of Attorney | Missing Power of Attorney and/or POA Does Not Meet Guideline Requirements Missing fully executed POA which was also a condition on the final lender approval. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Power of Attorney provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000174 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Policy does not reflect sufficient coverage required per guidelines. The Appraisal reflects the total estimate of cost new is $XXX | Document Uploaded. | 07/xx/2025 | Documentation sufficient. RCE provided. Exception resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000174 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000174 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000176 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000176 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000176 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000178 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000178 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000178 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000180 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Policy must have sufficient coverage per guidelines. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. RCE provided. Exception resolved. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000180 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000180 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000182 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - File missing Consent notice | Document Uploaded. | 07/xx/2025 | Evidence of eConsent is provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000182 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000182 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000182 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000184 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000184 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000184 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000186 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000186 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000186 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000188 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000188 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000188 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000190 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000190 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000190 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000192 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The vesting deed was recorded on XX/xx/XXXX (XXX months ago). Provide a minimum of XXX months chain-of-title. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Chain of Title provided. Exception resolved.; Satisfactory Chain of Title has been provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000192 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000192 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000194 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000194 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000194 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000196 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). XXX Cure refund $XXX, Cure requires PCCD, LOE, copy of refund check, proof of delivery or valid coc. The file did not contain a COC for the addition of the Appraisal - departing residence fee added on the CD dated XX/xx/XXXX | Document Uploaded. | 07/xx/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000196 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000196 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000198 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000198 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000198 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000200 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000200 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000200 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000202 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000202 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000202 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000204 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Policy is missing the annual premium. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000204 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000204 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000206 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000206 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000206 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000208 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000208 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000208 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000210 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000210 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000210 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000212 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1325 | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing, or Operating agreement, or equivalent reflecting borrower is XXX% owner of company. | Document Uploaded. S/E documentation in file under Income - VVOE and listed on UW Cover Letter: XXX SOS: XXX. XX/xx/XXXX / XXX SOS: XXX.Articles of Incorporation - Individual 1000 Shares & Online: XXX XXX Registry: XXX | 07/xx/2025 | Documentation sufficient. Proof of Business provided. Exception resolved.; Borrower 1 CPA Letter Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000212 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard policy is a XXX Plan that covers Fire. Per lender guidelines coverage must include, at a minimum, wind, civil commotion (including riots), hail, and damage caused by aircraft, vehicle, or explosion. | Document Uploaded. HOI included what extended coverage included and HOI has extended coverage. | 07/xx/2025 | Documentation sufficient. Hazard policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000212 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects a bonus room which appears to have it's own entrance. Appraiser to advise if it's an ADU, as the Hazard Insurance reflects subject has a guest house. | This is not an ADU - bonus room does not have any amenities. | 07/xx/2025 | Documentation sufficient. No ADU on property. Exception resolved.; Property/Appraisal Meets Guidelines | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000212 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000214 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Invalid; desk review provided, which was completed prior to closing; lower value on desk review was used. |  |  | Lender used Ehanced Desk Review value as approved value for LTV vs the appraised value. Appraisal is secondary. ; TPV supporting value not provided. | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000214 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the final CD for each concurrent closing to verify the PITIA for all other REOs XXXX | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Final CD's, Mortgages and Notes provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000214 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000214 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000216 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000216 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000216 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000218 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000218 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000218 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000220 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender approved loan as a XXX-month bank statement loan. However, borrower is employed by relative and a bank statement loan does not qualify if borrower is employed by a relative. Per guidelines standard income documentation required the following documents are missing and must be provided for XXX years due to borrower being Employed by a Relative: i) Federal income tax returns for the most recent XXX years (ii) W2s for the most recent XXX years and; iii) Pay stub(s) covering the most recent XXX-day period. Id addition Clarification of the potential ownership of XXX by the borrowers, as a borrower may be an officer of a family-owned business, but not an owner. Verification of borrower's status should be provided by written confirmation obtained from a CPA or legal counsel. | Document Uploaded. ; This is a personal bank statement loan, not a business bank statement loan. This loan is qualified with personal bank statements. Guidelines under personal bank statements to not include the caveats that business bank statements GLs do. | 07/xx/2025 | Income and Employment Meet Guidelines. - The guidelines are not silent when the borrower is employed by a relative. However, the employed by a relative is under the Standard Sources of income and lender approved the borrower under Alternative documentation utilizing bank statements. Therefore, no other information is required and income meets lender guidelines. Exception Resolved.; Received lender response that just because borrower was approved using personal bank statements that the being employed by a relative does not apply because it falls under a business bank statement loan program. Which audit disagrees. Audit is not stating that this applies to business bank statement loan program. Being employed by a relative is a completely different GL and under a completely separate section within the Alt Doc Prime Guidelines dated XX/xx/XXXX page XXX, which states that if employed by a relative income from borrowers who are employed by a relative must be verified using Standard Documents for XXX years, personal or business bank statements does not fall under standard documentation. Therefore, borrower should have never been approved using personal bank statements because borrower is employed by a relative. The UW was required to obtain standard income documentation because borrower is a wage earner employed by a relative and is required to obtain the following i)Federal income tax returns for the most recent XXX years (ii) W2s for the most recent XXX years and; iii) Pay stub(s) covering the most recent XXX-day period. Including clarification of the potential ownership of family-owned businesses by the borrowers, as a borrower may be an officer of a family-owned business, but not an owner. Verification of borrower's status should be provided by written confirmation obtained from a CPA or legal counsel. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000220 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000220 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000222 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage - Guidelines require coverage at least XXX months. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Hazard policy provided. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000222 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000222 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000224 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000224 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000224 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000226 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000226 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000226 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000228 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000228 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000230 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000230 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000230 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000232 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000232 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000232 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000234 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000234 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000234 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000236 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Borrowers are closing loan # XXX concurrent with the subject. Provide the Closing Disclosure for loan #XXX for XXX | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Closing CD provided. Exception resolved.; Property Title Issue Resolved | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000236 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000236 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000238 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Leasehold present in file, Subject property located in XXX. Title provided is Fee Simple. Please provide a leasehold title. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated Title document provided. Exception resolved.; Property Title Issue Resolved | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000238 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Rescinded | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Credit issues raised - see title finding. ; Informational | 07/xx/2025 | C A |
| XXXXX | 900000238 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000238 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000240 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1492 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Per Alt-Doc Prime Guidelines dated XX/xx/XXXX, Rural properties are permitted under XXX occupancy with a max LTV/CLTV of XXX% and XXX to Borrower. Borrower received $XXX at closing per Final CD. | This property is not considered rural per GL's-more than XXX% of the surrounding area is developed. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Property acceptable, transaction adheres to guidelines. Exception resolved.; Cash Out Meets Guideline Requirements; Appraisal received, appears to be a duplicate. Still shows as a rural property, and transaction is a XXX. Exception remains. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000240 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000240 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000242 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000242 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000242 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000244 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Missing XXX month chain of title. There is a deed in file but nothing noted on the title report to advise of any recorded deeds, and if this is the only recorded deed during XXX months. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Chain of Title provided. Exception resolved.; Satisfactory Chain of Title has been provided | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000244 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing documentation for "Other" income of $XXX per month reflected on the final 1003. It's listed as XXX months bank statement income. | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Approval and 1008 provided. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Acknowledge the sale of previous property. Please provide an updated 1008 and 1003 to reflect the sale of the property and the correct income/DTI calculations. Exception remains.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000244 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000244 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000246 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000246 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000246 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000248 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM9610 | Compliance | Missing Power of Attorney | Missing Power of Attorney and/or POA Does Not Meet Guideline Requirements Per XX/xx/XXXX foreign national matrix, Power of Attorney is not allowed. Due to being born and living in the XXX, as well as not having residency in the XXX, both borrowers are considered foreign nationals. | Document Uploaded. "Not Prohibited" means it is not forbidden in our GLs. Please clarify what you mean by false statement. Statement stands - Living in a different country other than the XXX is NOT prohibited in our guides.<br> POAs were not requested initially, I have uploaded. Co-borrower did not sign POA for the borrower-POA was XXX. Borrowers do not have to live in the XXX, current residence is not relevant. Please escalate.; URLA is marked as XXX and both borrowers have XXX Passports uploaded. XXX cannot obtain XXX Passports.Living in a different country other than the XXX is not prohibited in our guides.; Document Uploaded. URLA states XXX citizen and both have XXX passports. This is a XXX loan, not a foreign national. | 07/xx/2025 | POA Meets Guideline Requirements - It has been determined both borrower's are XXX citizens residing in a different country, purchasing an XXX. Per lender and guidelines it is allowed that borrower's can live in another country as long as they are XXX. We did receive the POAs for the borrower's, which was the initial exception cited when loan was submitted. Exception Resolved.; Lender to verify both borrower's current occupancy status. The initial loan application reflects co-borrower occupied a property is XXX, but the final 1003 now reflects both living outside the XXX. in the XXX for the past XXX years. The response received from lender stated "Borrower's living in a different country other then the XXX is not prohibited in our guides." According to the final 1003 both borrower's are living outside the XXX therefore its not permitted per lender response. Therefore the final 1003 needs to be updated to reflect the borrower's XXX residence since they are XXX. In addition, POA was requested but not provided when exception was initial issued. The co-borrower signed the final loan documents as the POA for borrower. Once POA is received and lender confirms occupancy and whether the statement made was incorrect "Living in a different country other than the XXX is not prohibited in our guides," or is prohibited and this was a false statement. Exception Remains.; Received response from lender stating POA does not apply because the loan is a XXX loan, not a foreign national. However the borrower's current live in the XXX this is a first time home XXX in the XXX. Per Investor guidelines only XXX, Permanent Resident Alien and Non-Permanent Resident Alien are eligible for a XXX Investor Loan. The borrower's only contain a passport and current occupy XXX outside the XXX They are not considered a non-permanent resident alien as they are not temporarily in the XXX, when XXX is in the XXX and this being their first time XXX in the XXX Therefore, the borrower's would be considered XXX which is a non-resident alien who is not authorized to live or work in the XXX or hold a work VISA, as borrower's only have a passport and should have been qualified under the Foreign National Guidelines. Subject loan should have never been approved under the XXX Guidelines. Exception Remains as borrower's do not qualify for a XXX loan under the XXX program. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of X No credit score is required on the foreign national program. D A |
| XXXXX | 900000248 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of X No credit score is required on the foreign national program. D A |
| XXXXX | 900000248 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of X No credit score is required on the foreign national program. D A |
| XXXXX | 900000250 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000250 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000250 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000252 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000252 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000252 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000254 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000254 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000254 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000256 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000256 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000256 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000258 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000258 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000258 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000260 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000260 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000260 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000262 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000262 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000262 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000264 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). XXX Cure Required - $XXX Tax Related Service Fee added to without a valid COC, Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid coc | Document Uploaded. ; Document Uploaded. Lender credit of XXX$ applied | 07/xx/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; PCCD provided shows $XXX lender cure but does not indicate any portion of it is used for a tolerance violation cure. Please confirm if this was used for a cure and provide final settlement statement | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000264 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000264 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000266 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000266 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000266 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000268 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000268 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000268 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000270 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Page 3 of the note is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Note provided. Exception resolved.; The Note is Present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000270 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000270 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000272 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing explanation and source for the large deposit that is not consistent to all other deposits within the XXX #XXX XX/xx/XXXX for $XXX to support the income calculation. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated worksheet provided. Exception resolved.; Income and Employment Meet Guidelines | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000272 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE6618 | Credit | Borrower information on 1003 is incomplete | B1 and B2 are husband and wife, but the final 1003 reflect their current residence are not the same address. B2 current residence is also reflected as becoming an XXX, Documents in the loan file match B1 current residence are their current residence. Therefore lender to clarify B2 current residence and which property is combing an XXX and whether property XXX has additional PITIA consider or 1003 needs to be corrected. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Corrected 1003 provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000272 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000272 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000274 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000274 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000274 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per guidelines and FNMA Warrantable XXX Projects, because this is a limited review Eligible Transaction located in XXX Attached Unites in an Established XXX Project as a XXX allow a maximum LTV/CLTV/HCLTV of XXX%, but loan was approved at a XXX% LTV. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated 1008 provided. Exception resolved.; Audited LTV of XXX% is less than or equal to Guideline LTV of XXX% | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per guidelines and FNMA Warrantable XXX Projects, because this is a limited review Eligible Transaction located in XXX Attached Unites in an Established XXX Project as a XXX allow a maximum LTV/CLTV/HCLTV of XXX%, but loan was approved at a XXX% LTV. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated 1008 provided. Exception resolved.; Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per guidelines and FNMA Warrantable XXX Projects, because this is a limited review Eligible Transaction located in XXX Attached Unites in an Established XXX Project as a XXX allow a maximum LTV/CLTV/HCLTV of XXX%, but loan was approved at a XXX% LTV. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated 1008 provided. Exception resolved.; Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing VOR for the borrowers current primary at XXX - guidelines require the most recent XXX month period. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Transaction history provided. Exception resolved.; Housing History Meets Guideline Requirements | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000276 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000278 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000278 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000278 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000280 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000280 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000280 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000282 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000282 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000282 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000284 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal is not in the borrowers name. The appraisal reflects the borrower as Brad Starce, not the actual borrower, XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Corrected Appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000284 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000284 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000286 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000286 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000286 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000288 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000288 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000288 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000290 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000290 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000290 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000292 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000292 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000292 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000294 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000294 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000294 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000296 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000296 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000296 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000298 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000298 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000298 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000300 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000300 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000300 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000302 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete - The Demographics section of the final 1003 was not completed by Borrower 2. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000302 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000302 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000304 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The taxes for the XXX $XXX, and the insurance is $XXX. The 1003 lists a total amount for taxes/insurance and HOA of $XXX. Missing HOA information, if any, or supplemental taxes/insurance. | Document Uploaded. | 07/xx/2025 | ; Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000304 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000304 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000306 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of Tax Related Service Fee in section A on CD XX/xx/XXXX | Document Uploaded. ; Document Uploaded. This fee disclosed on LE. | 07/xx/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The final CD shows 2 separate tax service fees. One in section A and one in section B. The fee in section B was disclosed, however the fee was added to section A without a valid COC | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000306 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000306 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000308 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO1243 | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Missing second Appraisal with value of $XXX - second appraisal required with the loan amount greater than $XXX. | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. 2nd Appraisal provided. Exception resolved.; Second Appraisal Is provided.; The appraisal provided is the same one in file. The 2nd appraisal is requested. Exception remains. ; Second Appraisal Is Required and is Missing.; Second Appraisal Is provided. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000308 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements XXX acct #XXX seasoned less than XXX days XX/xx/XXXX - guideline requires assets be sourced and seasoned for XXX days. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Assets are acceptable. Exception resolved.; Asset Record 2 Meets G/L Requirements Or Not Applicable | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000308 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Fraud Report provided. Exception resolved.; Third Party Fraud Report is provided | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000308 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000310 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000310 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000310 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000312 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the PITIA for the XXX at XXX and the new PI payment for the properties at XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000312 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000312 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| XXXXX | 900000314 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000314 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000314 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000316 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage - Guideline requires coverage of XXX months. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Rent loss coverage provided. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000316 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000316 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000318 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000318 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000318 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000320 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Mortgage for the subject property is not in Borrower's name. Guidelines require the most recent XXX history, which is missing from the loan file. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Warranty Deed provided. Exception resolved.; Housing History Meets Guideline Requirements | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000320 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000320 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000322 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000322 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000322 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Closed in an XXX. Missing: Entity Articles of Organization, or Partnership, and Operating Agreement; Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX<br> obtained directly from the XXX; Certificate of Authorization for the person executing all documents on behalf of the Entity Borrowing Certificate. Required per lender guidelines. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Business Entity formation provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO3678 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per appraisal XXX, XXX, the borrower, is in litigation with XXX County. Per lender guidelines: Project has been created and exists in full compliance with applicable local jurisdiction, State and all other applicable laws and regulations. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Explanation for litigation provided. Exception resolved.; The issue with the property has been resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. - Missing desk review, which is required on all loans. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Desk Review provided. Exception resolved.; Third party valuation product provided within tolerance. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1173 | Credit | HO6 Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Policy has sufficient coverage. Exception resolved.; HO-6 Master Insurance Policy is fully present | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Policy is missing the annual premium for the subject property. | uploaded | 07/xx/2025 | Documentation is sufficient. Hazard policy provided. Exception resolved.; Hazard Insurance Policy is fully present; Hazard Insurance Policy Partially Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Flood Cert provided. Exception resolved.; Flood Certificate is fully present | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit bank statement income is $XXX per month; and asset assist audit income is $XXX per month as XXX #XXX statement is not in file and unable to use any income from XXX #XXX as it's already being used for the bank statement income. Also all persons on the bank account must be on the mortgage. Per lender guidelines. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated documentation changes the DTI to under XXX%. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing Riders: XXX, XXX, Interest Only, Prepayment. | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Riders provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Business Purpose provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Guaranty provided. Exception resolved.; Personal Guaranty provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Fraud report provided. Exception resolved.; Third Party Fraud Report is provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0386 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. ID provided. Exception resolved.; Photo Identification provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documents for Concurrent Closings - Provide Note, DOT & Final CD - XXX REO expense/DTI subject to recalculation once documents are received. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000324 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Business Formation documents and XXX issued EIN#. | Document Uploaded. | 07/xx/2025 | .; Documentation is sufficient. Business entity documents provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM2276 | Compliance | Final CD: Disbursement Date is missing or inaccurate | Missing Final CD for subject property. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Desk Review, which is required on all loans. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Desk Review provided. Exception resolved.; Third party valuation product provided within tolerance. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing executed Business Purpose Affidavit. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing Title report for Subject property. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Title Commitment provided. Exception resolved.; Title Document is fully Present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert for Subject property. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Tax Cert provided. Exception resolved.; Property Tax Cert Provided | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000326 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Missing executed Taxpayer First Act Disclosure. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Taxpayer disclosure provided. Exception resolved.; Taxpayer First Act Disclosure is provided | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| XXXXX | 900000328 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The Deed of Trust is Not Executed | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000328 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000328 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000330 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance expiration date is XX/xx/XXXX vs note date XX/xx/XXXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000330 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000330 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000332 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000332 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000332 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Missing bank statements for the months of XXX, XXX, and XXX of XXXX.Additional income was added to the deposits without providing supporting bank statements. Subject to DTI re-calculation upon receipt. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation sufficient. Bank statements, updated 1008 and 1003 provided. Exception resolved.; Bank Statement provided are already in file. Amounts do not add up to the totals used for XXX. These are for account #XXX. Are there statements for these same months under account #XXX? There is mention of combining accounts. Exception remains. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX(a)(1)). Documentation Required: missing proof borrower received Appraisal prior to closing | Document Uploaded. | 07/xx/2025 | Evidence of appraisal delivery provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required missing eSigned documents consent, please provide an econsent dated on or prior to XX/xx/XXXX | Document Uploaded. | 07/xx/2025 | Evidence of eConsent is provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required File missing Homeownership Counseling Disclosure | Document Uploaded. | 07/xx/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required missing Initial Escrow Account Disclosure | Document Uploaded. | 07/xx/2025 | Initial Escrow Account Disclosure is Resolved | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required The intent to proceed is missing. | Document Uploaded. | 07/xx/2025 | Proof of Intent to Proceed has been provided. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required missing ABD | Document Uploaded. uploaded | 07/xx/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO0936 | Property | UCDP Summary Report is Missing | Missing UCDP Summary Report for XXX and XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. UCDP reports provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Taxpayer First Act Disclosure is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Tx Payer Consent provided. Exception resolved.; Taxpayer First Act Disclosure is provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1241 | Credit | XXX Contract is Missing | Loan Purpose is XXX but XXX Contract Doc is Missing | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. XXX Agreement provided. Exception resolved.; XXX Contract Doc is not Missing, or is Not Applicable. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing Appraisal for subject property. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Appraisal provided. Exception resolved.; Appraisal is Present or is Waived | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000334 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing Desk Review, which is required for all loans and all appraisal values obtained. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Desk Review provided. Exception resolved.; Property/Appraisal Meets Guidelines | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000336 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing executed Ability to Repay Disclosure, all terms to match final URLA. The one in file is not signed. Required per lender guidelines and final loan approval. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. ATR Notice provided. Exception resolved.; Income and Employment Meet Guidelines | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000336 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000336 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000338 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed Provide the fully-executed note. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Executed | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000338 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The fully-executed XXX rider is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000338 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000340 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000340 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000340 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000342 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing signed and Notarized executed Deed of Trust. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Deed provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000342 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000342 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000344 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Loan file does not contain the Entity Articles of Organization, or Partnership, and Operating Agreement(s), Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX obtained directly from the XXX, and the Certificate of Authorization for the person executing all documents on behalf of the Entity Borrowing Certificate, as required by guidelines. | Document Uploaded. | 07/xx/2025 | .; .; .; .; Documentation is sufficient. Operating Agreement provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| XXXXX | 900000344 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM7213 | Compliance | Mortgage Riders incomplete / inaccurate | XXX Rider in file is not executed. | Document Uploaded. | 07/xx/2025 | .; .; Documentation is sufficient. XXX Rider provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| XXXXX | 900000344 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; ; .; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| XXXXX | 900000346 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000346 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000346 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000348 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete XXX (XXX) Rider is not executed. | Document Uploaded. | 07/xx/2025 | The Deed of Trust is Present and Complete; ; Documentation is sufficient. Executed XXX Addendum in file. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000348 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000348 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000348 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Entity Articles of Organization, or Partnership, and Operating Agreement(s); Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX obtained directly from the XXX; and Certificate of Authorization for the person executing all documents on behalf of the Entity Borrowing Certificate. Required per lender guidelines as loan closed in an XXX: XXX, XXX. | Document Uploaded. | 07/xx/2025 | ; ; .; Documentation is sufficient. Articles of Incorporation, EIN Assignment and Operating Agreement provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| XXXXX | 900000350 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. XXX verification of mortgage is missing. | Document Uploaded. Credit Supp, borrower living in the subject, XXX months XXX; Document Uploaded. Tradeline used to qualify. | 07/xx/2025 | Documentation is sufficient. Credit supplement provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Guidelines require a XXX mortgage history. Either XXX cancelled checks or a transaction history to show XXX Exception remains. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000350 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing VVOE dated within 10 days of Note is missing from the loan file. VVOE is required. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000350 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The deed of trust in file is not signed by the Borrower. A fully executed deed of trust is required. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000350 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000350 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000352 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Deed provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000352 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000352 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000354 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed The open-end mortgage deed and XXX rider aren't fully-executed. Provide fully-executed copies of both. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Deed and Rider provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000354 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000354 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000356 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing second appraisal completed by a different appraiser. Loan amount exceeds $XXX. The second appraisal provided was from the same Appraiser, XXX. Received both appraisal review products. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. 2nd Appraisal provided. Exception resolved.; Property/Appraisal Meets Guidelines | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000356 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing required Verification of Employment from 3rd party prior to close. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. CPA Letter/VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000356 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| XXXXX | 900000358 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000358 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000358 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000360 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | Missing EIN number to complete audit. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. EIN Assignment letter provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000360 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing executed copy of the XXX Rider to the mortgage. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000360 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000360 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000362 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Missing Personal Guaranty. | Borrower bested as individual-no personal guaranty necessary. | 07/xx/2025 | Documentation is sufficient. Explanation verified. Exception resolved.; Personal Guaranty provided. | 07/xx/2025 | D A |
| XXXXX | 900000362 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000362 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000364 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000364 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000364 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000366 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Limited Liability Rider is not executed. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000366 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Missing a copy of Deed recorded under Book XXX, Page XXX, within XXX Chain of Title. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Warranty Deed provided. Exception resolved.; Satisfactory Chain of Title has been provided | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000366 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Entity Articles of Organization, or Partnership, and Operating Agreement(s); Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX obtained directly from the XXX; and Certificate of Authorization for the person executing all documents on behalf of the Entity Borrowing Certificate. Required per lender guidelines as loan closed in an XXX: XXX, XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. XXX documentation provided. Exception resolved. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000366 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000366 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000368 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000368 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000368 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Entity Articles of Organization, or Partnership, and Operating Agreement(s); Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX obtained directly from the XXX; and Certificate of Authorization for the person executing all documents on behalf of the Entity Borrowing Certificate. | Document Uploaded. | 07/xx/2025 | ; ; .; Documentation is sufficient. EIN Assignment, Articles of Organization provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000370 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1347 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000370 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000370 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000372 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing personal bank statements XXX #XXX covering the dates from XX/xx/XXXX | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Bank Statements provided. Exception resolved. ; Income and Employment Meet Guidelines; Documents provided are from XX/xx/XXXX, and numerous XX/xx/XXXX statement. Requested XX/xx/XXXX. Exception remains. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000372 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing executed Deed of Trust. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Deed provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000372 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000372 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Taxpayer Consent form and Tax Information Authorization disclosure provided. Exception resolved.; Taxpayer First Act Disclosure is provided | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required missing Escrow Account Disclosure | Document Uploaded. | 07/xx/2025 | Initial Escrow Account Disclosure is Resolved | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required missing intent to proceed | Document Uploaded. | 07/xx/2025 | Proof of Intent to Proceed has been provided. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required missing ABD | Document Uploaded. | 07/xx/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required missing eSigned documents consent dated on or prior to XX/xx/XXXX | Document Uploaded. | 07/xx/2025 | Evidence of eConsent is provided. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required missing Counseling Disclosure | Document Uploaded. | 07/xx/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, Appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000374 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000376 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Limited Liability Company (XXX) Rider not executed. | Document Uploaded. Sorry about that!; Document Uploaded. | 07/xx/2025 | The Deed of Trust is Present and Complete; ; The Deed of Trust is Present and Complete; ; Documentation is sufficient. XXX Rider provided. Exception resolved.; The Deed of Trust is Present and Complete; Need executed Limited Liability Company (XXX) Rider. Exception remains. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000376 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; ; Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000376 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing: Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX. | Document Uploaded. | 07/xx/2025 | ; ; Documentation is sufficient. EIN Registration document provided. Exception resolved. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000376 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000378 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing fully-executed XXX rider (the mortgage and other 4 riders are executed). | Document Uploaded. | 07/xx/2025 | Requested executed XXX Rider. Exception remains. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000378 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed Missing the fully-executed note (the addenda are fully-executed). | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Note provided. Exception resolved.; The Note is Executed | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000378 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000380 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Business Entity documents and Tax ID/EIN. Business closed in XXX. | Document Uploaded. | 07/xx/2025 | .; ; .; Documentation is sufficient. Business formation documentation provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000380 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | .; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000380 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | .; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000382 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000382 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000382 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000384 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing the fully executed Prepayment Rider to the Mortgage. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Rider provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | D A |
| XXXXX | 900000384 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000384 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000386 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Subject Mortgage in file is not signed by Borrower's or notarized. An executed copy of the Mortgage is required. | Document Uploaded. | 07/xx/2025 | The Deed of Trust is Executed; ; Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000386 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000386 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000386 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Loan file is missing the following required documents:<br>Entity Articles of Organization, or Partnership, and Operating Agreement(s)<br> Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX obtained directly from the XXX<br> Certificate of Authorization for the person executing all documents on behalf of the Entity | Document Uploaded. | 07/xx/2025 | .; .; .; Documentation is sufficient. Operating Agreement and EIN Assignment provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| XXXXX | 900000388 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000388 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | ; ; Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000388 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Business Entity Formation documents and XXX issued EIN# for Enroute Investments XXX | Document Uploaded. | 07/xx/2025 | ; ; .; Documentation is sufficient. Business entity formation documentation provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| XXXXX | 900000390 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000390 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000390 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000392 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000392 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000392 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000394 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000394 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000394 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000396 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing executed copy of the note. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Note provided. Exception resolved.; The Note is Present | 07/xx/2025 | D A |
| XXXXX | 900000396 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing executed copy of the Mortgage. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Executed Mortgage provided. Exception resolved.; The Deed of Trust is Executed | 07/xx/2025 | D A |
| XXXXX | 900000396 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000396 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000398 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000398 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000398 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000400 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000400 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000400 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000402 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000402 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000402 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000404 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000404 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000404 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000406 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000406 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000406 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000408 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000408 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000408 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000410 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000410 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000410 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000412 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7375 | Credit | Citizenship Does Not Meet Guideline Requirements | Per lender guidelines for Non-Permanent Resident Aliens: XXX full uninterrupted years of employment in the XXX is required for all borrowers whose income is being considered to qualify. | Document Uploaded. No income used. | 07/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000412 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 reflects Other income of $XXX per month but no monthly income is being used as it's a Asset Qualifier loan with no DTI ratios. | Document Uploaded. no income used. | 07/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000412 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1484 | Credit | Asset 6 Does Not Meet Guideline Requirements | Asset 6 Does Not Meet Guideline Requirements The borrower's cannot use gift funds on an Asset Qualifier loan. However, the loan file contains a lender exception granted approval to allow Gift funds to be utilized for the down payment on the Asset Qualifier income option. The lender identified the following compensating factors to justify this approval; Excess Reserves - approximately XXX plus reserves documented, qualifying FICO is greater than the minimum guidelines by 80 points, and low LTV of XXX% versus maximum allowed XXX%. Exception Downgraded to a level 2/B. |  |  | Exception Downgraded to a level 2/B. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000412 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000412 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000414 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000414 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000414 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000416 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000416 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000416 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000418 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1483 | Credit | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements Missing operating agreement to verify borrower is a managing member of XXX XXX to support the proceeds from secured loan $XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Bank statement and explanation letter provided. Exception resolved.; Asset 5 Meets Guideline Requirements Or Not Applicable | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000418 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000418 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Borrower qualified for a XXX% LTV/CLTV/HLTV loan with a XXX Score and a DSCR of >XXX. However, appraiser marked appraisal report with the values declining, which requires a XXX% reduction in the maximum CLTV offered, therefore maximum LTV/CLTV/HLTV is XXX%, Audit LTV/CLTV/HLTV calculated at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV is XXX%, less XXX% for a declining market, resulting in a net maximum of XXX%. The subject loan was approved at XXX%, exceeding the guideline maximum. However, an exception was approved for the higher LTV citing compensating factors of the mortgage has been paid on time for XXX+ months and excessive reserves. Acknowledged and downgraded. | 07/xx/2025 | C B A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Borrower qualified for a XXX% LTV/CLTV/HLTV loan with a XXX Score and a DSCR of >XXX. However, appraiser marked appraisal report with the values declining, which requires a XXX% reduction in the maximum CLTV offered, therefore maximum LTV/CLTV/HLTV is XXX%, Audit LTV/CLTV/HLTV calculated at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV is XXX%, less XXX% for a declining market, resulting in a net maximum of XXX%. The subject loan was approved at XXX%, exceeding the guideline maximum. However, an exception was approved for the higher LTV citing compensating factors of the mortgage has been paid on time for XXX+ months and excessive reserves. Acknowledged and downgraded. | 07/xx/2025 | C B A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower qualified for a XXX% LTV/CLTV/HLTV loan with a XXX Score and a DSCR of >XXX. However, appraiser marked appraisal report with the values declining, which requires a XXX% reduction in the maximum CLTV offered, therefore maximum LTV/CLTV/HLTV is XXX%, Audit LTV/CLTV/HLTV calculated at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV is XXX%, less XXX% for a declining market, resulting in a net maximum of XXX%. The subject loan was approved at XXX%, exceeding the guideline maximum. However, an exception was approved for the higher LTV citing compensating factors of the mortgage has been paid on time for XXX+ months and excessive reserves. Acknowledged and downgraded. | 07/xx/2025 | C B A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1240 | Compliance | Loan Originator Company NMLS is Not Valid | Missing active NMLS results for the Loan Originator NMLS status. Company is only active in XXX, property located in XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Business Purpose loan. Exception resolved. | 07/xx/2025 | C B A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1238 | Compliance | Loan Originator NMLS is Not Valid | Missing active NMLS results for the Loan Originator NMLS status, as NMLS website only reflects active in XXX and XXX. | Document Uploaded. Business purpose loan - NMLS not required for Business Purpose in XXX. | 07/xx/2025 | Documentation is sufficient. Business Purpose loan. Exception resolved. | 07/xx/2025 | C B A |
| XXXXX | 900000420 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | C B A |
| XXXXX | 900000422 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Missing either Title supplement or Instructions to Escrow/title or Closing Agent reflecting the correct proposed coverage amount of $XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Title Commitment provided. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000422 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The prior deed was recorded XXX-months ago. Provide a minimum of a XXX-month chain-of-title. | Per UW - See #XXX on prelim in file, goes back to XXX months then nothing until the one done in XXX | 07/xx/2025 | Documentation is sufficient. Updated Title Commitment provided. Exception resolved.; Satisfactory Chain of Title has been provided | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000422 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000422 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000424 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL5474 | Property | XXX project is ineligible | Per Appraisal TCR XXX, the borrower, is in litigation with XXX County for breeching a settlement agreement.  | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Explanation for litigation provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000424 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000424 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000426 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: One appraisal reflects an Accessory unit (box checked on 1st page as amenity), and the other appraisal does not. Same appraisal also reflects that the ADU is gutted but now appears to now be under construction. Appraisers to confirm if it's considered an ADU since it's being rebuilt or under construction and if so, appraisal to be updated to include the required information for ADU's. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated appraisals/LOE provided. Exception resolved. ; Property/Appraisal Meets Guidelines | 07/xx/2025 | C A |
| XXXXX | 900000426 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000426 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000428 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000428 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000428 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000430 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000430 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000430 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000432 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000432 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000432 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000434 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000434 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000434 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000436 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000436 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000436 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000438 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000438 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000438 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000440 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000440 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000440 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000442 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000442 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000442 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000444 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XXX(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §XXX(f)(1)(i). The consumer must receive a revised version of the disclosures required under §XXX(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Documentation Required: missing documentation to confirm the borrower received the revised LE at least XXX days prior to consummation | Document Uploaded. Sure! Sorry about that!; Document Uploaded. | 07/xx/2025 | Revised LE receipt date provided; exception resolved; Unable to open the document, can it please be re-uploaded | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000444 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000444 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000446 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The CD signed at consummation is missing from the loan file. | Document Uploaded. | 07/xx/2025 | TRID: Final Closing Disclosure Provided; TRID: Missing Final Closing Disclosure The CD signed at consummation is missing from the loan file. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000446 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000446 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000448 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000448 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000448 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000450 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Final CD is missing Page 4 | Document Uploaded. | 07/xx/2025 | TRID: Final Closing Disclosure Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000450 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000450 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000452 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% For a XXX XXX the consumer's qualifying PI payment is not calculated based on the greater of the note rate or the fully indexed rate. The lender loan approval reflects the loan was approved at the note rate, which is lower not the greater of the fully indexed rate. Using the fully indexed rate the DSCR ratio would be below XXX rather than XXX. The maximum LTV would be XXX%, not XXX%, loan was approved at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV per guidelines is XXX%. The subject loan is at XXX% LTV, exceeding guidelines. However, an exception was approved for the higher LTV citing compensating factors of excellent credit history/minimal use of credit, excessive reserves and mortgage paid on time 24+ months. Acknowledged and downgraded. | 08/xx/2025 | C B A |
| XXXXX | 900000452 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% For a XXX XXX the consumer's qualifying PI payment is not calculated based on the greater of the note rate or the fully indexed rate. The lender loan approval reflects the loan was approved at the note rate, which is lower not the greater of the fully indexed rate. Using the fully indexed rate the DSCR ratio would be below XXX rather than XXX. The maximum LTV would be XXX%, not XXX%, loan was approved at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV per guidelines is XXX%. The subject loan is at XXX% LTV, exceeding guidelines. However, an exception was approved for the higher LTV citing compensating factors of excellent credit history/minimal use of credit, excessive reserves and mortgage paid on time 24+ months. Acknowledged and downgraded. | 08/xx/2025 | C B A |
| XXXXX | 900000452 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% For a XXX the consumer's qualifying PI payment is not calculated based on the greater of the note rate or the fully indexed rate. The lender loan approval reflects the loan was approved at the note rate, which is lower not the greater of the fully indexed rate. Using the fully indexed rate the DSCR ratio would be below XXX rather than XXX. The maximum LTV would be XXX%, not XXX%, loan was approved at XXX%. | Document Uploaded. | 07/xx/2025 | The maximum LTV/CLTV/HCLTV per guidelines is XXX%. The subject loan is at XXX% LTV, exceeding guidelines. However, an exception was approved for the higher LTV citing compensating factors of excellent credit history/minimal use of credit, excessive reserves and mortgage paid on time 24+ months. Acknowledged and downgraded. | 08/xx/2025 | C B A |
| XXXXX | 900000452 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | C B A |
| XXXXX | 900000452 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | C B A |
| XXXXX | 900000454 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000454 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000454 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000456 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing - Master Policy does not include improvements and betterments. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. HO6 Policy provided. Exception resolved.; HO-6 Insurance Policy is fully present | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000456 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Desk Review is missing the Unit #XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated Desk Review provided. Exception resolved.; Property/Appraisal Meets Guidelines | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000456 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000458 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000458 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX) , XXX XXX(XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000458 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000458 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000460 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000460 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000460 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000462 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000462 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000462 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000464 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000464 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000464 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000466 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000466 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX) , XXX XXX(XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000466 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000466 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000468 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% All transfers from XXX were excluded, as the associated statement wasn't provided to confirm these were for business purposes/invoices versus their personal account. | Document Uploaded. | 07/xx/2025 | Documentation sufficient. Updated bank statement information provided. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000468 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000468 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| XXXXX | 900000470 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000470 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000470 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000472 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000472 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000472 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000474 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000474 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000474 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000476 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000476 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000476 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000478 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000478 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000478 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000480 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000480 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000480 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000482 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model XXX (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from Change Lending, XXX (pg. XXX), which matches the subject lender, and therefore, RTC form model XXX (Same Creditor) was required to be used. <br> Finding is downgraded to A, as the property is located in XXX. | Document Uploaded. | 07/xx/2025 |  |  | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000482 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000482 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000484 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000484 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000484 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000486 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000486 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000486 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000488 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000488 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000488 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000490 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1234 | Compliance | The Final 1003 is Not Executed | The Final 1003 is Not Executed The Final 1003 is Not Executed | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Executed | 07/xx/2025 | C A |
| XXXXX | 900000490 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000490 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000492 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss coverage for the subject property. The hazard insurance policy in file is for the incorrect address. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Acceptable coverage provided. Exception resolved.; Rent Loss Coverage Present | 07/xx/2025 | D A |
| XXXXX | 900000492 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The hazard insurance policy in file is not for the subject property. It is for one of the other rental properties owned by the borrower. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 07/xx/2025 | D A |
| XXXXX | 900000492 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000492 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000494 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing final CD for: XXX and XXX (primary with VIP). | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000494 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000494 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000496 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE6546 | Credit | Missing legal documents for senior or subordinate lien | Loan file is missing a required copy of the Final CD, Note, and DOT for the following properties; XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | D A |
| XXXXX | 900000496 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000496 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000498 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing CDs for other concurrent loan closings #XXX to verify payoff of the blanket mortgage. | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | ; Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | D A |
| XXXXX | 900000498 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000498 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000500 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1728 | Credit | Missing rent comparable schedule form 1007 | XXX documentation, confirming $XXX gross monthly income, is missing. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. XXX document provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000500 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing final CD for: XXX and XXX (primary with VIP). | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000500 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000500 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000502 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000502 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000502 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000504 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing final CD for: XXX and XXX (primary with VIP). | Document Uploaded. ; Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's, Notes and Mortgages provided. Exception resolved. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000504 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000504 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000506 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE6546 | Credit | Missing legal documents for senior or subordinate lien | Loan file is missing a required copy of the Final CD; for all concurrent closings on the following properties; XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Final CD's provided. Exception resolved. | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000506 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000506 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| XXXXX | 900000508 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000508 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000508 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000510 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000510 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000510 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000512 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1339 | Credit | Borrower 1 Personal Bank Statements Missing | Borrower 1 Personal Bank Statements Missing XXX #XXX XXX bank statement used to calculate bank statement income B1. Income subject to re-calculation once the bank statement is received. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Bank statement, updated 1008 and 1003 provided. Exception resolved. ; Borrower 1 Personal Bank Statements Provided | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000512 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000512 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000514 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000514 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000514 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000516 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000516 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000516 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000518 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000518 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000518 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000520 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | Document Uploaded. | 07/xx/2025 | Initial Escrow Account Disclosure is Resolved | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000520 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000520 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000520 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1324 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed The XXX, 1120 S tax return is not signed/dated. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Signed 1120 S provided. Exception resolved.; Borrower 1 Tax Returns Are Signed | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing Final Settlement Statements, Copy of Note, and Deed of Trust for concurrent closings: XXX. Income subject to recalculation once documents are received. Assets subject to recalculation if funds are needed for closing on these concurrent closings. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Notes, Mortgages and Final CD's provided for all other properties. Exception resolved. ; Income and Employment Meet Guidelines | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 does not reflect a Position or Title; Phone Number; Start Date; how long in line of work; and box is not checked for ownership percentage for Self Employment with XXX | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved. ; The Final 1003 is Present | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert Valid. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Tax Cert provided. Exception resolved. ; Property Tax Cert Provided | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing executed Deed from BMMC EasXXXod, XXX to the borrower as loan closed in borrowers name and deed in file is not executed. Required per lender final approval. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Warranty Deed provided. Exception resolved. ; Property Title Issue Resolved | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Final Settlement Statements, Copy of Note, and Deed of Trust for concurrent closings: XXX. If escrowed amounts are not listed, will also need taxes, HOI and HOA documentation. Assets subject to recalculation if funds are needed for closing on these concurrent closings.  | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Note, Mortgage and Final CD's provided. Exception resolved. | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000522 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000524 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000524 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000524 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000526 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000526 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000526 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000528 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000528 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000528 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000530 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000530 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000530 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000532 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000532 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000532 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000534 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000534 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000534 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000536 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000536 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000536 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000538 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM4438 | Compliance | Final CD: Closing Date is missing or inaccurate | Provide missing final CD at Closing date of XX/xx/XXXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. CD provided. Exception resolved. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000538 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000538 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000540 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000540 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000540 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000542 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000542 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000542 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000544 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000544 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000544 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000546 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000546 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000546 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000548 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000548 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000548 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000550 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000550 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000550 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000552 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000552 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000552 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000554 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000554 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000554 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000556 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000556 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000556 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000558 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Page XXX of XXX of the final 1003 L3. Mortgage Information reflects a $XXX "other" monthly payment as part of the subject PITIA. However loan file is missing evidence of the $XXX per month that borrower is obligated to for subject property. | Document Uploaded. ; Per UW- Its the special assessment $XXX listed on pg XXX of appraisal. | 07/xx/2025 | Documentation is sufficient. Explanation provided. Exception resolved. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000558 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000558 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000560 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000560 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000560 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000562 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000562 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000562 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000564 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000564 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000564 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000566 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000566 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000566 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000568 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000568 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000568 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000570 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | XXX Borrower is missing Identification Document. A copy of the front/back of the permanent resident alien card is required. | Document Uploaded. Form is sufficient for Alien resident | 07/xx/2025 | Documentation is sufficient. Exception resolved.; Borrower Identification Document provided. | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000570 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000570 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000572 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000572 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000572 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000574 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The guidelines require the Tax Identification Number (TIN) or Employee Identification Number (EIN) in the name of the XXX to be obtained directly from the XXX. The file contained a letter from a tax preparer stating the EIN, but there was no official document from the XXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. EIN number provided. Exception resolved. | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000574 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000574 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000576 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000576 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000576 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000578 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000578 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000578 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000580 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000580 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000580 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000582 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing documentation to support the monthly tax escrow for the subject property. | Document Uploaded. $XXX | 07/xx/2025 | Documentation is sufficient. Tax calculation provided. Exception resolved. | 08/xx/2025 | D A |
| XXXXX | 900000582 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000582 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000584 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing verification that the CPA license is active. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. CPA verification provided. Exception resolved.; Income and Employment Meet Guidelines | 07/xx/2025 | C A |
| XXXXX | 900000584 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000584 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | C A |
| XXXXX | 900000586 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000586 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000586 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000588 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000588 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000588 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000590 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000590 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000590 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000592 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE2052 | Credit | Missing Tax Cert | Property Tax Certification for departing residence, XXX #XXX, is missing from the loan file and is required to calculate XXX months reserves of net REO losses/debt. | Document Uploaded. Correct tax bill uploaded! Please disregard Millage rate comment. Sorry about that<br> !; please send back - uploaded the wrong file!; Document Uploaded. new construction, calculated with milage rate. $XXX | 07/xx/2025 | Documentation is sufficient. Tax cert provided. Exception resolved. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000592 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000592 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000594 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000594 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000596 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing XXX% Access Letter of Explanation for XXX #XXX as spouse is also on this account. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Access to assets provided. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000596 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Loan is short cash to close ($XXX). Missing XXX% Access Letter of Explanation for XXX #XXX as spouse is also on this account. | Document Uploaded. Not required for bank accounts with "or" between customers | 07/xx/2025 | Documentation is sufficient. Verification of assets provided. Exception resolved.; Funds are found to meet guidelines. | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000596 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000596 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000598 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000598 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000598 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000600 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Provide XXX-month chain-of-title. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated Title provided. Exception resolved.; Satisfactory Chain of Title has been provided | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000600 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000600 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000602 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000602 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000602 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000604 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000604 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000604 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000606 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000606 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000606 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000608 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000608 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000608 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000610 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000610 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000610 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000612 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000612 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000612 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000614 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Operating Agreement for XXX is not executed. Required as loan closed in an XXX. | Document Uploaded. ; Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Signed Operating Agreement provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided; Business Purpose Affidavit/Disclosure not provided. Operating Agreement for XXX not executed. Exception remains. | 08/xx/2025 | D A |
| XXXXX | 900000614 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000614 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | D A |
| XXXXX | 900000616 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000616 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000616 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000618 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000618 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000618 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000620 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000620 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000620 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000622 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Missing Hazard Insurance with effective date as of the disbursement date XX/xx/XXXX. | Document Uploaded. | 07/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Effective Date of XX/xx/XXXX is prior to or equal to the Disbursement Date of XX/xx/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000622 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000622 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000624 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000624 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000624 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | A |
| XXXXX | 900000626 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000626 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000626 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 07/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000628 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the final Closing Disclosure for the simultaneous closing of XXX: along with form XXX operating income statement supporting $XXX as the calculated income from the appraiser. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Lease Agreements, Note, Mortgage and property Profile provided. Exception resolved. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000628 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000628 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000630 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | is insufficient as guidelines require XXX months rent loss coverage, which is $XXX, and HOI Policy in file has only $XXX in loss of rent coverage. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Rent loss coverage is adequate. Exception resolved.; Rent Loss Coverage Present | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000630 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE7996 | Credit | Missing operating income statement form XXX | Missing Operating Income Statement or current lease agreements to determine rental income for concurrent loan #XXX. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Lease Agreement provided. Exception resolved. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000630 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE6546 | Credit | Missing legal documents for senior or subordinate lien | Missing copy of Note, DOT, and Final CD for concurrent loan #XXX. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Note, DOT and Final Closing Statement provided. Exception resolved. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000630 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000630 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000632 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000632 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000632 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000634 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000634 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000634 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000636 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000636 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000636 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000638 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete Missing XXX contract extension agreement. Contract in file expired XX/xx/XXXX | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated contract provided. Exception resolved.; XXX Contract Doc is complete. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000638 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1336 | Credit | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing - Missing proof of Disability income used to qualify for $XXX. Subject to DTI re-calculation. | Document Uploaded. Income was erroneous and now removed. Dti still within allowed. Updated Urla/1008 uploaded | 08/xx/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved.; Borrower 1 Award Letter Provided | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000638 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX XXX(XXX) , XXX XXX(XXX))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000638 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| XXXXX | 900000640 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE6589 | Credit | Fraud: Potential Occupancy/Current Address Issues identified in the file | Final Signed 1003 states that the subject property is the Borrower's XXX and other REO is the investment. No evidence the borrower is currently occupying any of the properties owned, as borrower's current residence is in MO, but XXX on final 1003 "Section 3a. Property You Own," reflects subject located in XXX is borrower's primary, but it is the subject and being refinanced as an investment. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000640 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000640 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000642 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required to clear exception: Initial Closing Disclosure dated XX/xx/XXXX missing from file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | 08/xx/2025 | Initial Cd provided; Exception resolved; Initial Cd provided; Exception resolved | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000642 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on the final CD. COC in file showing lender credit decrease tied to Initial CD date XX/xx/XXXX, however missing Initial CD. Providing the Initial CD may clear the exception, additional testing will be completed once the Initial CD is recieved. This loan failed the lender credits that cannot decrease test. (XXX(e)(3)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(1)(i). | Document Uploaded. | 08/xx/2025 | Initial Cd provided; Exception resolved; Initial Cd provided; Exception resolved | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000642 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000642 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000644 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Schedule of Real Estate Owned is missing the XXX information XXX. Guidelines indicate only the subject and XXX if owned need to be disclosed on the Schedule of Real Estate Owned. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000644 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000644 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000646 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000646 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000646 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000648 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000648 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000648 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000650 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000650 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000650 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000652 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000652 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000652 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000654 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE4989 | Credit | Collections, liens or judgments not paid at closing | Collection account with XXX $XXX was not paid off at closing. Per lender guidelines all collection accounts greater than $XXX must be paid at closing. | Document Uploaded. We have sufficient reserves to cover this debt; per GL's, with reserves coverage we do not need to pay off XXX. | 08/xx/2025 | Documentation is sufficient. Reserves are adequate to cover collection accounts. Exception resolved. | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000654 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000654 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000656 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000656 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000656 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000658 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000658 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000658 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000660 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000660 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000660 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000662 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000662 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000662 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000664 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000664 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000664 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000666 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000666 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000666 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000668 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes and insurance documents for XXX as they are not included in the mortgage payment. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Tax and insurance information provided. Exception resolved. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000668 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000668 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000670 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000670 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000670 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000672 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000672 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000672 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000674 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000674 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000674 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000674 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000676 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000676 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000676 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000678 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000678 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000678 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000680 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000680 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000680 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000682 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000682 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000682 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000684 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000684 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000684 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000686 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000686 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000686 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000688 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000688 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000688 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000690 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000690 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000690 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000692 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Page 2 of the prepayment addendum to note is missing. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated Note provided. Exception resolved.; The Note is Present | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000692 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000692 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000694 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000694 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000694 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000696 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000696 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000696 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000698 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000698 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000698 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000700 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000700 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000700 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000702 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000702 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000702 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000704 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000704 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000704 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000706 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000706 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000706 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000708 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided XXX-month chain-of-title required. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated Title information provided. Exception resolved.; Satisfactory Chain of Title has been provided | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000708 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000708 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000710 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000710 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000710 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000712 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000712 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000712 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000714 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000714 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000714 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000716 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE9785 | Credit | XXX Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete XXX Agreement for subject property reflects a XXX Price of $XXX. The Loan Approval indicates a XXX price of $XXX. Addendum to contract with an updated XXX price or updated approval required. | Document Uploaded. Erroneous - Last page of p&S contains the counter for XXX$ | 08/xx/2025 | Documentation is sufficient. Updated contract provided. Exception resolved.; XXX Contract Doc is complete. | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000716 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000716 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000718 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000718 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000718 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000718 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000720 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000720 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000720 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000722 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000722 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000722 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000724 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000724 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000724 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000726 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000726 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000726 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000728 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000728 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000728 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000730 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000730 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000730 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000732 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000732 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000732 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000734 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000734 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000734 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000736 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000736 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000736 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000738 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000738 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000738 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000738 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Acknowledged | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete |  |  |  | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000740 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard policy is a XXX Plan that covers Fire. Per lender guidelines coverage must include, at a minimum, wind, civil commotion (including riots), hail, and damage caused by aircraft, vehicle, or explosion. | Document Uploaded. Extended coverage is listed on binder, application stating what is included was with the HOI binder. | 08/xx/2025 | Documentation is sufficient. Complete policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000740 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-2962 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000740 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000740 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000742 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The most recent vesting was from XX/xx/XXXX; minimum XXX-month chain-of-title required. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Title application form provided. Exception resolved.; Satisfactory Chain of Title has been provided | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000742 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000742 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000744 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000744 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000744 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000746 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing completed notary section of the Deed Of Trust. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000746 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for the subject property - Noted market rents are $XXX/m and current monthly rents are $XXX/m on Appraisal form 1007. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Market rents provided. Exception rescinded. | 08/xx/2025 | D A |
| XXXXX | 900000746 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000746 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000748 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard policy is a XXX that only covers XXX. Per lender guidelines coverage must include, at a minimum, wind, civil commotion (including riots), smoke, hail, and damage caused by aircraft, vehicle, or explosion. | This is an over reach. Binder clearly states we have coverage extended. Application was provided to show what extended covers. ; Document Uploaded. Extended coverage details, attached. | 08/xx/2025 | Documentation is sufficient. Coverage is acceptable. Exception resolved.; Hazard Insurance Policy is fully present; The XXX required are listed as optional coverages. Document provided is a blank application. Please provided evidence of the correct coverages required by guidelines. Exception remains. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000748 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000748 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000750 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing Pages XXX-XXX of the XX/xx/XXXX statement for XXX #XXX are missing. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Bank Statement provided. Exception resolved.; Borrower 1 Business Bank Statements Provided | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000750 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000750 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000752 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000752 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000752 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000754 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000754 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000754 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000756 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Subject property is vested in the name of an XXX per the Prelim in file. Provide Final Title to show that subject property was transferred to Borrower's name and Change Lending is in first lien position. | Document Uploaded. The deed was in the file. | 08/xx/2025 | Documentation is sufficient. Grant Deed provided. Exception resolved.; Title Document is fully Present | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000756 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000756 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| XXXXX | 900000758 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000758 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000758 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000760 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000760 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000760 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000762 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000762 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000762 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000764 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000764 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000764 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000766 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000766 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000766 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000768 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000768 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000768 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000770 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000770 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000770 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000772 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000772 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000772 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000774 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000774 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000774 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000776 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000776 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000776 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000778 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000778 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000778 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000780 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000780 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000780 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000782 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000782 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000782 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000784 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000784 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000784 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000786 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Missing Hazard Insurance policy with an effective date of XX-XX-XXXX. Loan funded on XX-XX-XXXX. HOI policy starts XX-XX-XXXX after funding. | Document Uploaded. | 08/xx/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided. | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000786 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000786 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000788 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000788 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000788 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000790 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000790 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000790 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000792 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000792 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000792 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000794 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000794 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000794 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000796 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000796 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000796 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000798 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000798 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000798 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | A |
| XXXXX | 900000800 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000800 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000800 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000802 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000802 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000802 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000804 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000804 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000804 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000806 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000806 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000806 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000808 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | A |
| XXXXX | 900000808 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | A |
| XXXXX | 900000808 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/xx/2025 | A |
| XXXXX | 900000810 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000810 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000810 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000812 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; Informational; Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000812 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational; Informational; Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000812 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000814 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000814 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000814 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000816 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000816 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000816 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000818 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000818 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000818 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000820 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000820 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000820 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000822 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000822 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000822 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000824 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000824 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000824 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000826 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000826 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000826 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000828 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000828 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000828 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000830 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000830 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000830 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| XXXXX | 900000832 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000832 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000832 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000834 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000834 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000834 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000836 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000836 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000836 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000838 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000838 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000838 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| XXXXX | 900000840 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | A |
| XXXXX | 900000840 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | A |
| XXXXX | 900000840 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | A |
| XXXXX | 900000842 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000842 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000842 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000844 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XXX(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000844 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000844 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000846 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000846 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000846 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| XXXXX | 900000848 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000848 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000848 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| XXXXX | 900000850 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000850 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000850 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000852 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000852 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000852 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000854 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000854 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| XXXXX | 900000854 | XXX | XXXXX | XX/xx/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/xx/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informantional | 08/xx/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Dummy IDs** |
| XXXXX | 900000002 | $XXXXXX A C |  |
| XXXXX | 900000004 | $XXXXXX A |  |
| XXXXX | 900000006 | $XXXXXX A |  |
| XXXXX | 900000008 | $XXXXXX A |  |
| XXXXX | 900000010 | $XXXXXX A C B |  |
| XXXXX | 900000012 | $XXXXXX A |  |
| XXXXX | 900000014 | $XXXXXX A |  |
| XXXXX | 900000016 | $XXXXXX A |  |
| XXXXX | 900000018 | $XXXXXX A |  |
| XXXXX | 900000020 | $XXXXXX C A |  |
| XXXXX | 900000022 | $XXXXXX C A |  |
| XXXXX | 900000024 | $XXXXXX A |  |
| XXXXX | 900000026 | $XXXXXX A |  |
| XXXXX | 900000028 | $XXXXXX D A |  |
| XXXXX | 900000030 | $XXXXXX A |  |
| XXXXX | 900000032 | $XXXXXX D A |  |
| XXXXX | 900000034 | $XXXXXX A C B |  |
| XXXXX | 900000036 | $XXXXXX A |  |
| XXXXX | 900000038 | $XXXXXX A |  |
| XXXXX | 900000040 | $XXXXXX A |  |
| XXXXX | 900000042 | $XXXXXX A |  |
| XXXXX | 900000044 | $XXXXXX A |  |
| XXXXX | 900000046 | $XXXXXX A |  |
| XXXXX | 900000048 | $XXXXXX A |  |
| XXXXX | 900000050 | $XXXXXX D A |  |
| XXXXX | 900000052 | $XXXXXX A C B |  |
| XXXXX | 900000054 | $XXXXXX A C |  |
| XXXXX | 900000056 | $XXXXXX A C |  |
| XXXXX | 900000058 | $XXXXXX A |  |
| XXXXX | 900000060 | $XXXXXX A |  |
| XXXXX | 900000062 | $XXXXXX A |  |
| XXXXX | 900000064 | $XXXXXX D A |  |
| XXXXX | 900000066 | $XXXXXX A B |  |
| XXXXX | 900000068 | $XXXXXX A |  |
| XXXXX | 900000070 | $XXXXXX A |  |
| XXXXX | 900000072 | $XXXXXX A |  |
| XXXXX | 900000074 | $XXXXXX A |  |
| XXXXX | 900000076 | $XXXXXX A |  |
| XXXXX | 900000078 | $XXXXXX A |  |
| XXXXX | 900000080 | $XXXXXX A |  |
| XXXXX | 900000082 | $XXXXXX A |  |
| XXXXX | 900000084 | $XXXXXX A |  |
| XXXXX | 900000086 | $XXXXXX A C B |  |
| XXXXX | 900000088 | $XXXXXX A |  |
| XXXXX | 900000090 | $XXXXXX A |  |
| XXXXX | 900000092 | $XXXXXX A |  |
| XXXXX | 900000094 | $XXXXXX A |  |
| XXXXX | 900000096 | $XXXXXX A |  |
| XXXXX | 900000098 | $XXXXXX D A |  |
| XXXXX | 900000100 | $XXXXXX A |  |
| XXXXX | 900000102 | $XXXXXX A C |  |
| XXXXX | 900000104 | $XXXXXX D A |  |
| XXXXX | 900000106 | $XXXXXX A |  |
| XXXXX | 900000108 | $XXXXXX A |  |
| XXXXX | 900000110 | $XXXXXX A |  |
| XXXXX | 900000112 | $XXXXXX A |  |
| XXXXX | 900000114 | $XXXXXX A |  |
| XXXXX | 900000116 | $XXXXXX A |  |
| XXXXX | 900000118 | $XXXXXX A |  |
| XXXXX | 900000120 | $XXXXXX D A |  |
| XXXXX | 900000122 | $XXXXXX D C A |  |
| XXXXX | 900000124 | $XXXXXX A |  |
| XXXXX | 900000126 | $XXXXXX A |  |
| XXXXX | 900000128 | $XXXXXX A |  |
| XXXXX | 900000130 | $XXXXXX A |  |
| XXXXX | 900000132 | $XXXXXX A |  |
| XXXXX | 900000134 | $XXXXXX A |  |
| XXXXX | 900000136 | $XXXXXX A B |  |
| XXXXX | 900000138 | $XXXXXX C A |  |
| XXXXX | 900000140 | $XXXXXX A |  |
| XXXXX | 900000142 | $XXXXXX D A |  |
| XXXXX | 900000144 | $XXXXXX A |  |
| XXXXX | 900000146 | $XXXXXX D C A |  |
| XXXXX | 900000148 | $XXXXXX D A |  |
| XXXXX | 900000150 | $XXXXXX A C |  |
| XXXXX | 900000152 | $XXXXXX C A |  |
| XXXXX | 900000154 | $XXXXXX A |  |
| XXXXX | 900000156 | $XXXXXX A |  |
| XXXXX | 900000158 | $XXXXXX A |  |
| XXXXX | 900000160 | $XXXXXX A |  |
| XXXXX | 900000162 | $XXXXXX A |  |
| XXXXX | 900000164 | $XXXXXX A |  |
| XXXXX | 900000166 | $XXXXXX A |  |
| XXXXX | 900000168 | $XXXXXX D A |  |
| XXXXX | 900000170 | $XXXXXX D A |  |
| XXXXX | 900000172 | $XXXXXX A |  |
| XXXXX | 900000174 | $XXXXXX C D A |  |
| XXXXX | 900000176 | $XXXXXX A |  |
| XXXXX | 900000178 | $XXXXXX A |  |
| XXXXX | 900000180 | $XXXXXX C A |  |
| XXXXX | 900000182 | $XXXXXX A B |  |
| XXXXX | 900000184 | $XXXXXX A |  |
| XXXXX | 900000186 | $XXXXXX A |  |
| XXXXX | 900000188 | $XXXXXX A |  |
| XXXXX | 900000190 | $XXXXXX A |  |
| XXXXX | 900000192 | $XXXXXX C A |  |
| XXXXX | 900000194 | $XXXXXX A |  |
| XXXXX | 900000196 | $XXXXXX A C |  |
| XXXXX | 900000198 | $XXXXXX A |  |
| XXXXX | 900000200 | $XXXXXX A |  |
| XXXXX | 900000202 | $XXXXXX A |  |
| XXXXX | 900000204 | $XXXXXX D A |  |
| XXXXX | 900000206 | $XXXXXX A |  |
| XXXXX | 900000208 | $XXXXXX A |  |
| XXXXX | 900000210 | $XXXXXX A |  |
| XXXXX | 900000212 | $XXXXXX D A C |  |
| XXXXX | 900000214 | $XXXXXX D A C B |  |
| XXXXX | 900000216 | $XXXXXX A |  |
| XXXXX | 900000218 | $XXXXXX A |  |
| XXXXX | 900000220 | $XXXXXX C A |  |
| XXXXX | 900000222 | $XXXXXX D A |  |
| XXXXX | 900000224 | $XXXXXX A |  |
| XXXXX | 900000226 | $XXXXXX A |  |
| XXXXX | 900000228 | $XXXXXX A |  |
| XXXXX | 900000230 | $XXXXXX A |  |
| XXXXX | 900000232 | $XXXXXX A |  |
| XXXXX | 900000234 | $XXXXXX A |  |
| XXXXX | 900000236 | $XXXXXX C A |  |
| XXXXX | 900000238 | $XXXXXX C A |  |
| XXXXX | 900000240 | $XXXXXX C A |  |
| XXXXX | 900000242 | $XXXXXX A |  |
| XXXXX | 900000244 | $XXXXXX C A |  |
| XXXXX | 900000246 | $XXXXXX A |  |
| XXXXX | 900000248 | $XXXXXX A D |  |
| XXXXX | 900000250 | $XXXXXX A |  |
| XXXXX | 900000252 | $XXXXXX A |  |
| XXXXX | 900000254 | $XXXXXX A |  |
| XXXXX | 900000256 | $XXXXXX A |  |
| XXXXX | 900000258 | $XXXXXX A |  |
| XXXXX | 900000260 | $XXXXXX A |  |
| XXXXX | 900000262 | $XXXXXX A |  |
| XXXXX | 900000264 | $XXXXXX A C B |  |
| XXXXX | 900000266 | $XXXXXX A |  |
| XXXXX | 900000268 | $XXXXXX A |  |
| XXXXX | 900000270 | $XXXXXX D A |  |
| XXXXX | 900000272 | $XXXXXX C A |  |
| XXXXX | 900000274 | $XXXXXX A |  |
| XXXXX | 900000276 | $XXXXXX C A |  |
| XXXXX | 900000278 | $XXXXXX A |  |
| XXXXX | 900000280 | $XXXXXX A |  |
| XXXXX | 900000282 | $XXXXXX A |  |
| XXXXX | 900000284 | $XXXXXX A C |  |
| XXXXX | 900000286 | $XXXXXX A |  |
| XXXXX | 900000288 | $XXXXXX A |  |
| XXXXX | 900000290 | $XXXXXX A |  |
| XXXXX | 900000292 | $XXXXXX A |  |
| XXXXX | 900000294 | $XXXXXX A |  |
| XXXXX | 900000296 | $XXXXXX A |  |
| XXXXX | 900000298 | $XXXXXX A |  |
| XXXXX | 900000300 | $XXXXXX A |  |
| XXXXX | 900000302 | $XXXXXX D A |  |
| XXXXX | 900000304 | $XXXXXX D A |  |
| XXXXX | 900000306 | $XXXXXX A C B |  |
| XXXXX | 900000308 | $XXXXXX D A |  |
| XXXXX | 900000310 | $XXXXXX A |  |
| XXXXX | 900000312 | $XXXXXX D A |  |
| XXXXX | 900000314 | $XXXXXX A |  |
| XXXXX | 900000316 | $XXXXXX D A |  |
| XXXXX | 900000318 | $XXXXXX A |  |
| XXXXX | 900000320 | $XXXXXX C A |  |
| XXXXX | 900000322 | $XXXXXX A |  |
| XXXXX | 900000324 | $XXXXXX D A C |  |
| XXXXX | 900000326 | $XXXXXX D C A |  |
| XXXXX | 900000328 | $XXXXXX D A |  |
| XXXXX | 900000330 | $XXXXXX D A |  |
| XXXXX | 900000332 | $XXXXXX A |  |
| XXXXX | 900000334 | $XXXXXX D B A |  |
| XXXXX | 900000336 | $XXXXXX C A |  |
| XXXXX | 900000338 | $XXXXXX D C A |  |
| XXXXX | 900000340 | $XXXXXX A |  |
| XXXXX | 900000342 | $XXXXXX D A |  |
| XXXXX | 900000344 | $XXXXXX B C A |  |
| XXXXX | 900000346 | $XXXXXX A |  |
| XXXXX | 900000348 | $XXXXXX D A |  |
| XXXXX | 900000350 | $XXXXXX D A |  |
| XXXXX | 900000352 | $XXXXXX D A |  |
| XXXXX | 900000354 | $XXXXXX D A |  |
| XXXXX | 900000356 | $XXXXXX D A C |  |
| XXXXX | 900000358 | $XXXXXX A |  |
| XXXXX | 900000360 | $XXXXXX D A |  |
| XXXXX | 900000362 | $XXXXXX D A |  |
| XXXXX | 900000364 | $XXXXXX A |  |
| XXXXX | 900000366 | $XXXXXX D A |  |
| XXXXX | 900000368 | $XXXXXX B A |  |
| XXXXX | 900000370 | $XXXXXX D A |  |
| XXXXX | 900000372 | $XXXXXX D A |  |
| XXXXX | 900000374 | $XXXXXX C B A |  |
| XXXXX | 900000376 | $XXXXXX D A |  |
| XXXXX | 900000378 | $XXXXXX D C A |  |
| XXXXX | 900000380 | $XXXXXX B A |  |
| XXXXX | 900000382 | $XXXXXX D A |  |
| XXXXX | 900000384 | $XXXXXX D A |  |
| XXXXX | 900000386 | $XXXXXX D A |  |
| XXXXX | 900000388 | $XXXXXX B A |  |
| XXXXX | 900000390 | $XXXXXX A |  |
| XXXXX | 900000392 | $XXXXXX A |  |
| XXXXX | 900000394 | $XXXXXX A |  |
| XXXXX | 900000396 | $XXXXXX D A |  |
| XXXXX | 900000398 | $XXXXXX A |  |
| XXXXX | 900000400 | $XXXXXX A |  |
| XXXXX | 900000402 | $XXXXXX A |  |
| XXXXX | 900000404 | $XXXXXX A |  |
| XXXXX | 900000406 | $XXXXXX A |  |
| XXXXX | 900000408 | $XXXXXX A |  |
| XXXXX | 900000410 | $XXXXXX A |  |
| XXXXX | 900000412 | $XXXXXX D A B |  |
| XXXXX | 900000414 | $XXXXXX A |  |
| XXXXX | 900000416 | $XXXXXX A |  |
| XXXXX | 900000418 | $XXXXXX C A |  |
| XXXXX | 900000420 | $XXXXXX C A B |  |
| XXXXX | 900000422 | $XXXXXX C A |  |
| XXXXX | 900000424 | $XXXXXX A C |  |
| XXXXX | 900000426 | $XXXXXX A C |  |
| XXXXX | 900000428 | $XXXXXX A |  |
| XXXXX | 900000430 | $XXXXXX A |  |
| XXXXX | 900000432 | $XXXXXX A |  |
| XXXXX | 900000434 | $XXXXXX A |  |
| XXXXX | 900000436 | $XXXXXX A |  |
| XXXXX | 900000438 | $XXXXXX A |  |
| XXXXX | 900000440 | $XXXXXX A |  |
| XXXXX | 900000442 | $XXXXXX A |  |
| XXXXX | 900000444 | $XXXXXX A C |  |
| XXXXX | 900000446 | $XXXXXX A D |  |
| XXXXX | 900000448 | $XXXXXX A |  |
| XXXXX | 900000450 | $XXXXXX A D |  |
| XXXXX | 900000452 | $XXXXXX C A B |  |
| XXXXX | 900000454 | $XXXXXX A |  |
| XXXXX | 900000456 | $XXXXXX D A C |  |
| XXXXX | 900000458 | $XXXXXX A |  |
| XXXXX | 900000460 | $XXXXXX A |  |
| XXXXX | 900000462 | $XXXXXX A |  |
| XXXXX | 900000464 | $XXXXXX A |  |
| XXXXX | 900000466 | $XXXXXX A |  |
| XXXXX | 900000468 | $XXXXXX C A |  |
| XXXXX | 900000470 | $XXXXXX A |  |
| XXXXX | 900000472 | $XXXXXX A |  |
| XXXXX | 900000474 | $XXXXXX A |  |
| XXXXX | 900000476 | $XXXXXX A |  |
| XXXXX | 900000478 | $XXXXXX A |  |
| XXXXX | 900000480 | $XXXXXX A |  |
| XXXXX | 900000482 | $XXXXXX A |  |
| XXXXX | 900000484 | $XXXXXX A |  |
| XXXXX | 900000486 | $XXXXXX A |  |
| XXXXX | 900000488 | $XXXXXX A |  |
| XXXXX | 900000490 | $XXXXXX A C |  |
| XXXXX | 900000492 | $XXXXXX D A |  |
| XXXXX | 900000494 | $XXXXXX D A |  |
| XXXXX | 900000496 | $XXXXXX D A |  |
| XXXXX | 900000498 | $XXXXXX D A |  |
| XXXXX | 900000500 | $XXXXXX D A |  |
| XXXXX | 900000502 | $XXXXXX A |  |
| XXXXX | 900000504 | $XXXXXX D A |  |
| XXXXX | 900000506 | $XXXXXX D A |  |
| XXXXX | 900000508 | $XXXXXX A |  |
| XXXXX | 900000510 | $XXXXXX A |  |
| XXXXX | 900000512 | $XXXXXX D A |  |
| XXXXX | 900000514 | $XXXXXX A |  |
| XXXXX | 900000516 | $XXXXXX A |  |
| XXXXX | 900000518 | $XXXXXX A |  |
| XXXXX | 900000520 | $XXXXXX A B |  |
| XXXXX | 900000522 | $XXXXXX D A |  |
| XXXXX | 900000524 | $XXXXXX A |  |
| XXXXX | 900000526 | $XXXXXX A |  |
| XXXXX | 900000528 | $XXXXXX A |  |
| XXXXX | 900000530 | $XXXXXX A |  |
| XXXXX | 900000532 | $XXXXXX A |  |
| XXXXX | 900000534 | $XXXXXX A |  |
| XXXXX | 900000536 | $XXXXXX A |  |
| XXXXX | 900000538 | $XXXXXX A C |  |
| XXXXX | 900000540 | $XXXXXX A |  |
| XXXXX | 900000542 | $XXXXXX A |  |
| XXXXX | 900000544 | $XXXXXX A |  |
| XXXXX | 900000546 | $XXXXXX A |  |
| XXXXX | 900000548 | $XXXXXX A |  |
| XXXXX | 900000550 | $XXXXXX A |  |
| XXXXX | 900000552 | $XXXXXX A |  |
| XXXXX | 900000554 | $XXXXXX A |  |
| XXXXX | 900000556 | $XXXXXX A |  |
| XXXXX | 900000558 | $XXXXXX D A |  |
| XXXXX | 900000560 | $XXXXXX A |  |
| XXXXX | 900000562 | $XXXXXX A |  |
| XXXXX | 900000564 | $XXXXXX A |  |
| XXXXX | 900000566 | $XXXXXX A |  |
| XXXXX | 900000568 | $XXXXXX A |  |
| XXXXX | 900000570 | $XXXXXX D A |  |
| XXXXX | 900000572 | $XXXXXX A |  |
| XXXXX | 900000574 | $XXXXXX A B |  |
| XXXXX | 900000576 | $XXXXXX A |  |
| XXXXX | 900000578 | $XXXXXX A |  |
| XXXXX | 900000580 | $XXXXXX A |  |
| XXXXX | 900000582 | $XXXXXX D A |  |
| XXXXX | 900000584 | $XXXXXX C A |  |
| XXXXX | 900000586 | $XXXXXX A |  |
| XXXXX | 900000588 | $XXXXXX A |  |
| XXXXX | 900000590 | $XXXXXX A |  |
| XXXXX | 900000592 | $XXXXXX D A |  |
| XXXXX | 900000594 | $XXXXXX A |  |
| XXXXX | 900000596 | $XXXXXX C A |  |
| XXXXX | 900000598 | $XXXXXX A |  |
| XXXXX | 900000600 | $XXXXXX C A |  |
| XXXXX | 900000602 | $XXXXXX A |  |
| XXXXX | 900000604 | $XXXXXX A |  |
| XXXXX | 900000606 | $XXXXXX A |  |
| XXXXX | 900000608 | $XXXXXX A |  |
| XXXXX | 900000610 | $XXXXXX A |  |
| XXXXX | 900000612 | $XXXXXX A |  |
| XXXXX | 900000614 | $XXXXXX D A |  |
| XXXXX | 900000616 | $XXXXXX A |  |
| XXXXX | 900000618 | $XXXXXX A |  |
| XXXXX | 900000620 | $XXXXXX A |  |
| XXXXX | 900000622 | $XXXXXX C A |  |
| XXXXX | 900000624 | $XXXXXX A |  |
| XXXXX | 900000626 | $XXXXXX A |  |
| XXXXX | 900000628 | $XXXXXX D A |  |
| XXXXX | 900000630 | $XXXXXX D A |  |
| XXXXX | 900000632 | $XXXXXX A |  |
| XXXXX | 900000634 | $XXXXXX A |  |
| XXXXX | 900000636 | $XXXXXX A |  |
| XXXXX | 900000638 | $XXXXXX D A |  |
| XXXXX | 900000640 | $XXXXXX C A |  |
| XXXXX | 900000642 | $XXXXXX A C |  |
| XXXXX | 900000644 | $XXXXXX D A |  |
| XXXXX | 900000646 | $XXXXXX A |  |
| XXXXX | 900000648 | $XXXXXX A |  |
| XXXXX | 900000650 | $XXXXXX A |  |
| XXXXX | 900000652 | $XXXXXX A |  |
| XXXXX | 900000654 | $XXXXXX C A |  |
| XXXXX | 900000656 | $XXXXXX A |  |
| XXXXX | 900000658 | $XXXXXX A |  |
| XXXXX | 900000660 | $XXXXXX A |  |
| XXXXX | 900000662 | $XXXXXX A |  |
| XXXXX | 900000664 | $XXXXXX A |  |
| XXXXX | 900000666 | $XXXXXX A |  |
| XXXXX | 900000668 | $XXXXXX D A |  |
| XXXXX | 900000670 | $XXXXXX A |  |
| XXXXX | 900000672 | $XXXXXX A |  |
| XXXXX | 900000674 | $XXXXXX A |  |
| XXXXX | 900000676 | $XXXXXX A |  |
| XXXXX | 900000678 | $XXXXXX A |  |
| XXXXX | 900000680 | $XXXXXX A |  |
| XXXXX | 900000682 | $XXXXXX A |  |
| XXXXX | 900000684 | $XXXXXX A |  |
| XXXXX | 900000686 | $XXXXXX A |  |
| XXXXX | 900000688 | $XXXXXX A |  |
| XXXXX | 900000690 | $XXXXXX A |  |
| XXXXX | 900000692 | $XXXXXX D A |  |
| XXXXX | 900000694 | $XXXXXX A |  |
| XXXXX | 900000696 | $XXXXXX A |  |
| XXXXX | 900000698 | $XXXXXX A |  |
| XXXXX | 900000700 | $XXXXXX A |  |
| XXXXX | 900000702 | $XXXXXX A |  |
| XXXXX | 900000704 | $XXXXXX A |  |
| XXXXX | 900000706 | $XXXXXX A |  |
| XXXXX | 900000708 | $XXXXXX C A |  |
| XXXXX | 900000710 | $XXXXXX A |  |
| XXXXX | 900000712 | $XXXXXX A |  |
| XXXXX | 900000714 | $XXXXXX A |  |
| XXXXX | 900000716 | $XXXXXX B A |  |
| XXXXX | 900000718 | $XXXXXX A |  |
| XXXXX | 900000720 | $XXXXXX A |  |
| XXXXX | 900000722 | $XXXXXX A |  |
| XXXXX | 900000724 | $XXXXXX A |  |
| XXXXX | 900000726 | $XXXXXX A |  |
| XXXXX | 900000728 | $XXXXXX A |  |
| XXXXX | 900000730 | $XXXXXX A |  |
| XXXXX | 900000732 | $XXXXXX A |  |
| XXXXX | 900000734 | $XXXXXX A |  |
| XXXXX | 900000736 | $XXXXXX A |  |
| XXXXX | 900000738 | $XXXXXX A B |  |
| XXXXX | 900000740 | $XXXXXX D C A |  |
| XXXXX | 900000742 | $XXXXXX C A |  |
| XXXXX | 900000744 | $XXXXXX A |  |
| XXXXX | 900000746 | $XXXXXX D A |  |
| XXXXX | 900000748 | $XXXXXX D A |  |
| XXXXX | 900000750 | $XXXXXX D A |  |
| XXXXX | 900000752 | $XXXXXX A |  |
| XXXXX | 900000754 | $XXXXXX A |  |
| XXXXX | 900000756 | $XXXXXX D A |  |
| XXXXX | 900000758 | $XXXXXX A |  |
| XXXXX | 900000760 | $XXXXXX A |  |
| XXXXX | 900000762 | $XXXXXX A |  |
| XXXXX | 900000764 | $XXXXXX A |  |
| XXXXX | 900000766 | $XXXXXX A |  |
| XXXXX | 900000768 | $XXXXXX A |  |
| XXXXX | 900000770 | $XXXXXX A |  |
| XXXXX | 900000772 | $XXXXXX A |  |
| XXXXX | 900000774 | $XXXXXX A |  |
| XXXXX | 900000776 | $XXXXXX A |  |
| XXXXX | 900000778 | $XXXXXX A |  |
| XXXXX | 900000780 | $XXXXXX A |  |
| XXXXX | 900000782 | $XXXXXX A |  |
| XXXXX | 900000784 | $XXXXXX A |  |
| XXXXX | 900000786 | $XXXXXX C A |  |
| XXXXX | 900000788 | $XXXXXX A |  |
| XXXXX | 900000790 | $XXXXXX A |  |
| XXXXX | 900000792 | $XXXXXX A |  |
| XXXXX | 900000794 | $XXXXXX A |  |
| XXXXX | 900000796 | $XXXXXX A |  |
| XXXXX | 900000798 | $XXXXXX A |  |
| XXXXX | 900000800 | $XXXXXX A |  |
| XXXXX | 900000802 | $XXXXXX A |  |
| XXXXX | 900000804 | $XXXXXX A |  |
| XXXXX | 900000806 | $XXXXXX A |  |
| XXXXX | 900000808 | $XXXXXX A |  |
| XXXXX | 900000810 | $XXXXXX A |  |
| XXXXX | 900000812 | $XXXXXX A |  |
| XXXXX | 900000814 | $XXXXXX A |  |
| XXXXX | 900000816 | $XXXXXX A |  |
| XXXXX | 900000818 | $XXXXXX A |  |
| XXXXX | 900000820 | $XXXXXX A |  |
| XXXXX | 900000822 | $XXXXXX A |  |
| XXXXX | 900000824 | $XXXXXX A |  |
| XXXXX | 900000826 | $XXXXXX A |  |
| XXXXX | 900000828 | $XXXXXX A |  |
| XXXXX | 900000830 | $XXXXXX A |  |
| XXXXX | 900000832 | $XXXXXX A |  |
| XXXXX | 900000834 | $XXXXXX A |  |
| XXXXX | 900000836 | $XXXXXX A |  |
| XXXXX | 900000838 | $XXXXXX A |  |
| XXXXX | 900000840 | $XXXXXX A |  |
| XXXXX | 900000842 | $XXXXXX A |  |
| XXXXX | 900000844 | $XXXXXX A |  |
| XXXXX | 900000846 | $XXXXXX A |  |
| XXXXX | 900000848 | $XXXXXX A |  |
| XXXXX | 900000850 | $XXXXXX A |  |
| XXXXX | 900000852 | $XXXXXX A |  |
| XXXXX | 900000854 | $XXXXXX A |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

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| **Loan Number** | **Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXX | 900000002 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.14 | 73.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 900000004 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000006 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 900000008 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000010 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.79 | 79.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000012 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.22 | 55.22 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000014 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 900000016 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0164 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0164 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000018 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 900000020 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.19 | 79.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0231 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 2.30% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| XXXXX | 900000022 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000024 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.75 | 78.75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 900000026 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.6 | 69.6 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0092 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0092 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXXXX | 900000028 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.48 | 46.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 900000030 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.74 | 18.74 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000032 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.66 | 65.66 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000034 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.58 | 74.58 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000036 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000038 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.91 | 89.91 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000040 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000042 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 900000044 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.32 | 76.32 | $XXX | $XXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0435 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 900000046 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXXX | 900000048 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000050 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.74 | 25.74 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000052 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.52 | 64.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000054 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0028 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0028 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000056 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 900000058 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 900000060 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 64.86 | 64.86 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000062 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| XXXXX | 900000064 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.64 | 63.64 | $XXX | $XXX | -.9000 | 2000 One Unit Appraisal Field Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXXX | 900000066 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.52 | 56.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000068 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000070 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000072 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.74 | 52.74 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000074 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.79 | 77.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000076 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.8 | 73.8 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXXX | 900000078 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.2 | 67.2 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000080 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.5 | 79.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000082 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| XXXXX | 900000084 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 44.03 | 44.03 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000086 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX |  | Enhanced Desk Review | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .1667 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000088 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000090 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 900000092 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000094 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000096 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.29 | 66.29 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000098 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000100 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0114 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0114 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | 900000102 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000104 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000106 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 900000108 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.32 | 49.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 900000110 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000112 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| XXXXX | 900000114 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000116 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.18 | 43.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000118 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| XXXXX | 900000120 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.54 | 52.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXXX | 900000122 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| XXXXX | 900000124 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000126 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXXX | 900000128 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000130 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.88 | 42.88 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 900000132 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000134 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| XXXXX | 900000136 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000138 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 53.09 | 53.09 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000140 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.72 | 58.72 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0068 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.68% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | 900000142 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0312 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | 900000144 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000146 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 900000148 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 900000150 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000152 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000154 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | 900000156 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 900000158 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXXX | 900000160 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.82 | 54.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000162 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000164 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.84 | 79.84 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000166 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000168 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000170 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000172 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000174 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 900000176 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000178 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXXX | 900000180 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000182 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 900000184 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 900000186 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000188 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000190 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.3 | 62.3 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000192 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000194 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.42 | 46.42 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000196 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 900000198 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXXX | 900000200 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.93 | 53.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000202 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.41 | 78.41 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000204 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXXX | 900000206 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.82 | 61.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | 900000208 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.57 | 69.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 900000210 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.12 | 74.12 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000212 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.13 | 77.13 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | 900000214 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.1121 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1121 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000216 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000218 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000220 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000222 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.01 | 54.01 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | 900000224 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 900000226 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000228 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.99 | 42.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXXX | 900000230 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| XXXXX | 900000232 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.11 | 61.11 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| XXXXX | 900000234 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.22 | 12.22 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000236 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000238 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000240 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.4 | 74.4 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 900000242 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | 900000244 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000246 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000248 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000250 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0664 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0123 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000252 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000254 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | 900000256 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.35 | 77.35 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | 900000258 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | 900000260 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000262 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| XXXXX | 900000264 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.22 | 65.22 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000266 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000268 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.75 | 68.75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000270 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXXX | 900000272 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000274 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | 900000276 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 900000278 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.25 | 51.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | 900000280 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.54 | 30.54 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 900000282 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.81 | 79.81 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000284 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000286 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000288 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000290 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.71 | 25.71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 900000292 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000294 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.65 | 68.65 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000296 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.01 | 77.01 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000298 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000300 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXXX | 900000302 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000304 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000306 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.74 | 28.74 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000308 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.19 | 63.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0934 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 9.34% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | 900000310 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.23 | 56.23 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| XXXXX | 900000312 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.24 | 60.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000314 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 47.17 | 47.17 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000316 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.42 | 69.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000318 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000320 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.24 | 60.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000322 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.98 | 79.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| XXXXX | 900000324 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 900000326 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | 900000328 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.39 | 57.39 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 900000330 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000332 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000334 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 900000336 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.85 | 67.85 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000338 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000340 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000342 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.2 | 62.2 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000344 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000346 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000348 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000350 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.67 | 41.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000352 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000354 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000356 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0083 | Desk Review |  |  |  |  | $XXX | $XXX | .0083 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0083 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000358 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.43 | 45.43 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| XXXXX | 900000360 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| XXXXX | 900000362 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000364 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000366 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000368 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000370 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000372 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000374 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000376 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.05 | 60.05 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000378 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 900000380 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | 900000382 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000384 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000386 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.84 | 74.84 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000388 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 900000390 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000392 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| XXXXX | 900000394 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000396 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000398 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0303 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000400 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000402 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| XXXXX | 900000404 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000406 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 900000408 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000410 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000412 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.52 | 69.52 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| XXXXX | 900000414 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 900000416 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000418 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXXX | 900000420 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.69 | 74.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | 900000422 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000424 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.5 | 73.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000426 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.27 | 79.27 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0569 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 5.69% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000428 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| XXXXX | 900000430 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.93 | 79.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000432 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000434 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000436 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000438 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.63 | 65.63 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000440 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000442 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.77 | 59.77 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000444 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0471 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0471 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000446 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0071 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0071 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 900000448 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000450 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.14 | 59.14 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0139 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.38% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| XXXXX | 900000452 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000454 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX |  | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 900000456 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 19.19 | 19.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | 900000458 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000460 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000462 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000464 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | 900000466 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | -.0003 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0003 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000468 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXXX | 900000470 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| XXXXX | 900000472 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000474 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000476 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000478 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 900000480 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.93 | 30.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000482 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 900000484 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000486 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.24 | 53.24 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 900000488 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.32 | 54.32 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000490 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000492 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 900000494 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXXX | 900000496 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 900000498 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000500 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000502 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000504 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | 900000506 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000508 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000510 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.57 | 53.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000512 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXXX | 900000514 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000516 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXXX | 900000518 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000520 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000522 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 900000524 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.21 | 63.21 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| XXXXX | 900000526 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000528 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000530 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 900000532 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.98 | 63.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXXX | 900000534 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.76 | 76.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000536 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 900000538 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.59 | 64.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000540 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 900000542 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.09 | 34.09 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000544 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.29 | 74.29 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000546 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000548 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000550 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000552 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000554 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| XXXXX | 900000556 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 900000558 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXXX | 900000560 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXXX | 900000562 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.89 | 79.89 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000564 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.99 | 52.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 900000566 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000568 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.44 | 69.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| XXXXX | 900000570 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000572 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000574 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000576 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 900000578 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.51 | 46.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000580 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000582 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.09 | 77.09 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000584 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 900000586 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.6 | 51.6 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000588 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000590 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000592 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXXX | 900000594 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000596 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| XXXXX | 900000598 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.66 | 43.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| XXXXX | 900000600 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000602 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| XXXXX | 900000604 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000606 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXXX | 900000608 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.58 | 33.58 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| XXXXX | 900000610 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXXX | 900000612 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000614 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000616 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.32 | 79.32 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | 900000618 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.87 | 65.87 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000620 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| XXXXX | 900000622 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.67 | 53.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000624 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000626 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| XXXXX | 900000628 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.83 | 79.83 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000630 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.76 | 79.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000632 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.33 | 62.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | 900000634 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.57 | 79.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0052 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0052 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000636 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000638 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | 900000640 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.8 | 73.8 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| XXXXX | 900000642 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.5 | 79.5 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000644 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| XXXXX | 900000646 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000648 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000650 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | 900000652 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000654 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000656 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 900000658 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.24 | 68.24 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000660 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0976 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0976 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 9.75% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000662 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXXX | 900000664 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000666 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000668 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000670 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.31 | 69.31 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000672 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.22 | 63.22 | $XXX | $XXX | -.0722 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0722 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000674 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 900000676 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000678 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.27 | 40.27 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| XXXXX | 900000680 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 38.89 | 38.89 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000682 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.29 | 54.29 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000684 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000686 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| XXXXX | 900000688 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000690 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000692 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| XXXXX | 900000694 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000696 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | 900000698 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000700 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000702 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000704 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000706 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| XXXXX | 900000708 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 82.41 | 82.41 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 900000710 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | 900000712 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| XXXXX | 900000714 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000716 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.76 | 38.76 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000718 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000720 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 900000722 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000724 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.0 | 55.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000726 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | 900000728 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.71 | 70.71 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000730 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.51 | 58.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | 900000732 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| XXXXX | 900000734 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| XXXXX | 900000736 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.78 | 46.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000738 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 51.18 | 51.18 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| XXXXX | 900000740 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000742 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | 900000744 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000746 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.21 | 23.21 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000748 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.75 | 74.75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0082 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0082 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 900000750 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33 | 58.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0167 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.66% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 900000752 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.67 | 32.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| XXXXX | 900000754 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000756 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000758 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.98 | 31.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| XXXXX | 900000760 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.95 | 79.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000762 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 64.36 | 64.36 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0111 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.11% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000764 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000766 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| XXXXX | 900000768 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.31 | 73.31 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 900000770 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000772 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000774 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000776 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.92 | 76.92 | $XXX | $XXX | .0128 | Desk Review |  |  |  |  | $XXX | $XXX | .0128 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.28% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | 900000778 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | 900000780 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.33 | 33.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000782 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000784 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000786 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| XXXXX | 900000788 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | 900000790 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.43 | 61.43 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000792 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000794 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.57 | 62.57 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | 900000796 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.15 | 52.15 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000798 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| XXXXX | 900000800 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.38 | 79.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| XXXXX | 900000802 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000804 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | 900000806 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| XXXXX | 900000808 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000810 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.94 | 77.94 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| XXXXX | 900000812 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0059 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0059 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000814 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.02 | 51.02 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | 900000816 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.15 | 29.15 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | 900000818 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| XXXXX | 900000820 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| XXXXX | 900000822 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| XXXXX | 900000824 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000826 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000828 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000830 |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 54.55 | 54.55 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000832 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | 900000834 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.33 | 73.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000836 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000838 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000840 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000842 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000844 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000846 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | 900000848 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| XXXXX | 900000850 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.98 | 74.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | 900000852 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | 900000854 |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**BARC 2025-NQM5**

**By Clarifii LLC on September 2, 2025**

Barc 2025-NQM5 Due Diligence Narrative Report – PagE \| 1

![](ex99-3_001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 58 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2025-NQM5 transaction. The loans referenced in this narrative report were reviewed 04/2025 through 08/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | <br> **% of Pool** | <br> **Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | 1 | 1.72% | $362140.00 |
| &nbsp;&nbsp;Wholesale | 57 | 98.28% | $44300710.00 |
| &nbsp;&nbsp;**Total** | **58** | **100.00%** | **$44662850.00** |

---

The Review consisted of a population of 58 loans, with an aggregate principal balance of $44,662,850.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools<br> Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools<br> Of Residential Loans--U.S. And Canada Supplement,<br> February 21, 2025  |

---

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**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp; <br> **Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |

---

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---

| |
|:---|
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

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- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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![](ex99-3_001.jpg)

Clarifii's review was based on information contained in the loan file at the time it was provided for review.All loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of
any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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![](ex99-3_001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Valuation Product** | &nbsp;&nbsp; <br> **# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance<br> to OA or Confidence < <br> 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | 0 | 0 | 3 |
| &nbsp;&nbsp;BPO | 0 | 0 | 0 |
| &nbsp;&nbsp;CU Score <=2.5 | 0 | 0 | 37 |
| &nbsp;&nbsp;Desk Review | 0 | 0 | 16 |
| &nbsp;&nbsp;Second Full Appraisal | 0 | 0 | 2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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![](ex99-3_001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Overall Review Results** | **Final Overall Review Results** | **Final Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 45 | 77.59% |
| B | 13 | 22.41% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **58** | **100.00%** |

---

Barc 2025-NQM5 Due Diligence Narrative Report – PagE \| 15

![](ex99-3_001.jpg)

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 46 | 79.31% |
| B | 12 | 20.69% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **58** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 57 | 98.28% |
| B | 1 | 1.72% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **58** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | &nbsp;&nbsp;&nbsp;**% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Fixed | 58 | &nbsp;&nbsp;&nbsp;100.00% | $44662850.00 |
| &nbsp;&nbsp;**Total** | **58** | &nbsp;&nbsp;&nbsp;**100.00%** | **$44662850.00** |

---

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![](ex99-3_001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | &nbsp;&nbsp;&nbsp;**% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Primary Residence | 34 | &nbsp;&nbsp;&nbsp;&nbsp;58.62% | $31397950.00 |
| &nbsp;&nbsp;Investment | 24 | &nbsp;&nbsp;&nbsp;&nbsp;41.38% | $13264900.00 |
| &nbsp;&nbsp;**Total** | **58** | &nbsp;&nbsp;&nbsp;**100.00%** | **$44662850.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Pool** | &nbsp;&nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | 27 | 46.55% | &nbsp;&nbsp;&nbsp;$20907130.00 |
| &nbsp;&nbsp;Purchase | 31 | 53.45% | &nbsp;&nbsp;&nbsp;$23755720.00 |
| &nbsp;&nbsp;**Total** | **58** | **100.00%** | &nbsp;&nbsp;&nbsp;**$44662850.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;1 | 58 | 100.00% | $44662850.00 |
| &nbsp;&nbsp;**Total** | **58** | **100.00%** | **$44662850.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;360 | 58 | 100.00% | $44662850.00 |
| &nbsp;&nbsp;**Total** | **58** | **100.00%** | **$44662850.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Data Comparison Fields** | &nbsp;&nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;&nbsp;**Total Times<br> Compared** | **Accuracy%** |
| &nbsp;&nbsp;Amortization Term | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Application Date | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Balloon Flag | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | 1 | 58 | 98.28% |
| &nbsp;&nbsp;Borrower 1 Last Name | 0 | 58 | 100.00% |

---

Barc 2025-NQM5 Due Diligence Narrative Report – PagE \| 17

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | 2 | 58 | 96.55% |
| &nbsp;&nbsp;Borrower 1 Phone Number | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 5 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 0 | 5 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | 1 | 5 | 80.00% |
| &nbsp;&nbsp;Borrower 2 SSN | 0 | 5 | 100.00% |
| &nbsp;&nbsp;Calculated DSCR | 4 | 58 | 93.10% |
| &nbsp;&nbsp;Cash Disbursement Date | 20 | 58 | 65.52% |
| &nbsp;&nbsp;First Payment Date | 1 | 58 | 98.28% |
| &nbsp;&nbsp;HOA Flag | 1 | 58 | 98.28% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Interest Only Term | 0 | 5 | 100.00% |
| &nbsp;&nbsp;Interest Rate | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Investor Loan ID | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | 3 | 4 | 25.00% |
| &nbsp;&nbsp;Lien Position | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Loan ID | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Loan Purpose | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Maturity Date | 1 | 58 | 98.28% |
| &nbsp;&nbsp;MIN No | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Note Date | 45 | 58 | 22.41% |
| &nbsp;&nbsp;Number of Units | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Occupancy | 1 | 58 | 98.28% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 0 | 19 | 100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | 4 | 58 | 93.10% |
| &nbsp;&nbsp;Property Address | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Property City | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Property County | 1 | 58 | 98.28% |
| &nbsp;&nbsp;Property State | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Property Type | 8 | 58 | 86.21% |
| &nbsp;&nbsp;Property Zip Code | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Qualifying CLTV | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Qualifying FICO | 2 | 56 | 96.43% |
| &nbsp;&nbsp;Qualifying LTV | 0 | 58 | 100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 11 | 58 | 81.03% |
| &nbsp;&nbsp;Sales Price | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Seller Loan ID | 0 | 58 | 100.00% |
| &nbsp;&nbsp;ULI | 1 | 58 | 98.28% |
| &nbsp;&nbsp;Vested Business Entity Name | 0 | 2 | 100.00% |

---

Barc 2025-NQM5 Due Diligence Narrative Report – PagE \| 18

![](ex99-3_001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

Barc 2025-NQM5 Due Diligence Narrative Report – PagE \| 19

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 594303 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 623968 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21721.4 | 7.715 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 21770.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 628075 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20310.78 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 628549 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| XXXX | 632204 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9805 | 7.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4574.26 | N/A | Employed |  | No |  | No |  |
| XXXX | 633517 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 31065 | 7.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19161.46 | Yes | Employed |  | No |  | No |  |
| XXXX | 634055 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 6466.33 | 9.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2255.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 637207 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15065 | 8.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9401.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 662886 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 662965 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 685335 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17012.5 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11375.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 685357 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36142.25 | Yes | Not Employed | Employed | No | No | Yes | Present |
| XXXX | 686539 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 692346 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8939.37 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 692352 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 17153.25 | 9.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21593.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 692353 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 692356 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22275 | 7.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13720.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 693376 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 693601 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7716.94 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 693733 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21564.16 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 693935 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 11037.5 | 8.699 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8020.9 | Yes | Employed |  | No |  | No |  |
| XXXX | 693961 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10287.5 | 8.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19766.5 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 693992 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 5495 | 8.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5480.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 694319 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 31257.8 | 9.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40035.17 | Yes | Employed |  | No |  | No |  |
| XXXX | 695249 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5760 | 7.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2917.3 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 696486 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17672.56 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29295.69 | Yes | Employed |  | No |  | No |  |
| XXXX | 697351 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20408.6 | 7.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 92801.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 697671 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 697723 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 697734 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23075 | 7.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47050.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 697807 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17850 | 7.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16875.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 697818 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 33531.8 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 697917 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21875 | 8.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58032.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 698073 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17070 | 7.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13046.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 699020 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23859 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20118.13 | N/A | Employed |  | No |  | No |  |
| XXXX | 699023 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14469.69 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10022.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 699030 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13473 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13503.63 | Yes | Employed |  | No |  | No |  |
| XXXX | 699032 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699035 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699037 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25579 | 7.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19312.05 | Yes | Employed |  | No |  | No |  |
| XXXX | 699039 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13562.5 | 7.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30215.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 699042 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13275 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51970.92 | N/A | Employed |  | No |  | No |  |
| XXXX | 699052 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8825 | 9.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 39100.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 699053 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699055 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10400 | 8.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17379.92 | Yes | Employed |  | No |  | No |  |
| XXXX | 699056 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 699058 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699074 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699133 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699135 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 39075 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44309.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 699137 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 699139 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 64147.5 | 8.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50295.31 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 699141 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 15075 | 7.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28651.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 700118 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 700299 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5832.5 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9894.94 | Yes | Employed |  | No |  | No |  |
| XXXX | 700300 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 24275 | 7.523 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19318.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 700308 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18125 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8008.92 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 701327 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 40405 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59850.92 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 594303 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 594303 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD in file. |
| XXXX | 623968 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 628075 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 628075 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 628075 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | 628549 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 628549 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per appraisal |
| XXXX | 628549 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per FN Documentation |
| XXXX | 628549 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per FN Documentation |
| XXXX | 632204 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 633517 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 633517 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.62 | 37.19 | Audit did not find lenders income worksheet, unable to compare income calculated |
| XXXX | 634055 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 634055 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.15 | 41.21 | Audit included child support |
| XXXX | 662886 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 662965 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 662965 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | XXXX | Per appraisal |
| XXXX | 662965 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.441 | 1.456 | Per 1025 market rents / Final PITI |
| XXXX | 662965 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1991.97 | DSCR loan |
| XXXX | 685335 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 685357 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 685357 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Lock confirmation |
| XXXX | 685357 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.46 | 35.33 | Variance is due to other monthly payments |
| XXXX | 686539 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 686539 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 686539 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD in file. |
| XXXX | 686539 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 686539 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 760 | 999 | Per Credit Report |
| XXXX | 692346 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per 1003 |
| XXXX | 692352 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 692352 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 692353 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 692353 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 692353 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 812 | 999 | Per Credit Report |
| XXXX | 693376 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 693376 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 693376 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | per appraisal report |
| XXXX | 693376 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 353.81 | DSCR |
| XXXX | 693601 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 693601 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.83 | 43.31 | Variance due to Audit lower REO calculation |
| XXXX | 693733 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 693733 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 693961 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 693992 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 693992 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per DOT and appraisal |
| XXXX | 693992 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 693992 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 694319 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 695249 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 696486 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697351 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697351 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 697671 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697671 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per documents in file |
| XXXX | 697671 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.227 | 1.137 | Per Audit, Lender DSCR calculation not provided. |
| XXXX | 697723 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 697723 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Final CD |
| XXXX | 697734 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 697734 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.78 | 20.75 | Audit calc. lower income |
| XXXX | 697807 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 697807 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 697807 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 699020 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699020 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 699023 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 699030 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 699030 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 699032 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 699032 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 699035 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699035 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 699035 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 699035 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 12022.47 | DSCR loan |
| XXXX | 699039 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699039 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 699042 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 699052 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699053 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699053 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 699053 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire |
| XXXX | 699053 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.627 | 1.683 | Per DSCR cal in file from Lender matches Audit DSCR |
| XXXX | 699055 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699056 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699056 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Cd |
| XXXX | 699058 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 699058 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable Condo per docs in file. |
| XXXX | 699058 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2146.66 | DSCR Loan |
| XXXX | 699074 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699074 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.023 | 1.048 | Unable to determine difference as Lender's DSCR calculation not provided. |
| XXXX | 699133 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 699133 | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | 699133 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | 699137 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699137 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 11484.78 | DSCR loan |
| XXXX | 699139 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 699139 | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | 699139 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 699139 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Lesser of the two appraisal values provided |
| XXXX | 699141 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 699141 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.65 | 23.86 | Lender qualified at the incorrect start rate |
| XXXX | 700118 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 700118 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Taken from appraisal report |
| XXXX | 700299 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 700299 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per final 1003 |
| XXXX | 700299 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 700308 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 594303 | XXXX D A | Closed | FCRE6019 | 2025-04-30 13:43 | 2025-05-30 08:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Lender provided required documents. XXXX is no longer required as per new guidance by Lender - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Please see attached borrower's ITIN documentation. - Seller-05/29/2025 <br> Counter-Borrower Citizenship Documentation is missing. Provide legible copy of unexpired Passport. Borrower has ITIN and has provided ITIN letter and government ID, however, guidelines state "All Non-XXXX. Citizen Borrower(s) must evidence their residency status by providing applicable USCIS documentation". ITIN borrowers fall under the category of Non-U.S. Citizen Borrower(s), XXXX documentation is required and not provided. - Due Diligence Vendor-05/28/2025 <br> Open-Borrower Citizenship Documentation Is Missing Provide legible copy of unexpired Passport. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Please see attached borrower's ITIN documentation. - Seller-05/29/2025<br>| Resolved-Lender provided required documents. XXXX is no longer required as per new guidance by Lender - Due Diligence Vendor-05/30/2025 | Months Reserves exceed minimum required - 0 min reserve requirement, borrower has 102.73 documented<br>Long term residence - Borrower has been in current residence over 2 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4007004 |
| XXXX | 623968 | XXXX C B A | Closed | FCRE1198 | 2025-05-30 13:55 | 2025-06-25 12:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow 5 months reserves. . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003/1008, Transaction History evidencing the XXXX transfer from the Donor's Account and the exception allowing the loan to close with 5 months reserves instead of 9. Can this please be cleared - Seller-06/23/2025 <br> Open-Audited Reserves of 6.56 month(s) are less than Guideline Required Reserves of 9 month(s) Provide sufficient assets to meet the 9m reserve requirement. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003/1008, Transaction History evidencing the XXXX transfer from the Donor's Account and the exception allowing the loan to close with 5 months reserves instead of 9. Can this please be cleared - Seller-06/23/2025 | Waived-Originator exception granted to allow 5 months reserves. . Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/25/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Excess Resid Inc Avail (XXXX)<br> Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower XXXX 771. | 4+ years in primary residence<br> Qualifying XXXX score is at least 20 points above minimum for program<br> 5+ years Verified employment history exceeds guidelines | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4286323 |
| XXXX | 623968 | XXXX C B A | Closed | FCRE1458 | 2025-05-30 13:49 | 2025-06-25 12:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received Gift Documentation. - Due Diligence Vendor-06/25/2025 <br> Ready for Review-Document Uploaded. - Seller-06/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025 <br> Open-Asset 4 Less Than 2 Months Verified Provide proof of XXXX gift funds transferred from donor. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/23/2025<br>| Resolved-Received Gift Documentation. - Due Diligence Vendor-06/25/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - Excess Resid Inc Avail (XXXX)<br> Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower XXXX 771. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4286258 |
| XXXX | 628075 | XXXX C B A | Closed | FCRE8201 | 2025-06-04 12:27 | 2025-07-16 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a FTHB to purchase an investment property - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Counter-Please provide a revised exception with updated compensating factors. - Due Diligence Vendor-06/18/2025 <br>Ready for Review-Please waive this condition as the Final DTI (41.883) is still more than 5% below the max of 50% and comp factor would still apply. - Seller-06/16/2025 <br>Open-Lender exception for FTHB on an investment property. Exception provided states compensating factor is DTI less than 16% lower than guideline maximum. Lender approval and audit DTI is less than 10% below guideline threshold. Exception to remain open for lender review. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Ready for Review-Please waive this condition as the Final DTI (41.883) is still more than 5% below the max of 50% and comp factor would still apply. - Seller-06/16/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow a FTHB to purchase an investment property - Due Diligence Vendor-07/16/2025<br>| Verified employment history exceeds guidelines - B1 has been in business for 12 years.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 41.50%. | 24+ month credit history exceeds minimum required<br> 5+ years Verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4332734 |
| XXXX | 628075 | XXXX C B A | Closed | FVAL5474 | 2025-06-04 12:35 | 2025-06-18 18:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted to allow < 50% of the units sold. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025 <br> Open-Subject was a condo conversation in XXXX per non warrantable guides at least 50% must be sold or under a bona-fide contract. Per condo questionnaire 50% requirement not meet. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025<br>| Waived-Originator exception granted to allow < 50% of the units sold. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/18/2025<br>| Verified employment history exceeds guidelines - B1 has been in business for 12 years.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 41.50%. | 4+ years in primary residence<br> Reserves 3+ months above minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4332868 |
| XXXX | 628549 | XXXX D B A | Closed | FCRE1491 | 2025-06-04 10:37 | 2025-07-24 12:59 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Per guidelines VOD (XXXX Form) or EQUIVALENT - document provided is equivalent to VOD - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Documentation, provided by the borrower's Banking Institution on letterhead, is sufficient to meet the XXXX VOD requirement. As such, the VOD completed on and provided by XXXX would be adequate documentation to verify the borrower's available assets. Please clear this condition. - Seller-07/24/2025 <br> Counter-Guidelines states - Verification of Deposit completed by the verifying financial institution (XXXX Form 1006) or equivalent. Finding remains. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-We respectfully disagree. The letters from XXXX serve as a VOD. No additional information is required. - Seller-06/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Provide a complete 30 days activity for all bank accounts being used in this transaction. - Due Diligence Vendor-06/04/2025 | Ready for Review-Documentation, provided by the borrower's Banking Institution on letterhead, is sufficient to meet the XXXX VOD requirement. As such, the VOD completed on and provided by XXXX would be adequate documentation to verify the borrower's available assets. Please clear this condition. - Seller-07/24/2025 <br> Ready for Review-We respectfully disagree. The letters from XXXX serve as a VOD. No additional information is required. - Seller-06/10/2025 | Resolved-Per guidelines VOD (XXXX Form) or EQUIVALENT - document provided is equivalent to VOD - Due Diligence Vendor-07/24/2025 | LTV is less than guideline maximum - Max LTV 75%--- Borrower is at 70% <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR > 1 @ 1.003% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4330662 |
| XXXX | 628549 | XXXX D B A | Closed | FCRE0108 | 2025-06-04 10:17 | 2025-06-12 16:08 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received XXXX Coverage. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/10/2025 <br> Open-Fidelity Coverage not met. Provide proof of the XXXX Coverage. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/10/2025<br>| Resolved-Received Fidelity Coverage. - Due Diligence Vendor-06/12/2025<br>| LTV is less than guideline maximum - Max LTV 75%--- Borrower is at 70% <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR > 1 @ 1.003% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4330327 |
| XXXX | 628549 | XXXX D B A | Closed | FCRE1728 | 2025-06-04 10:51 | 2025-06-04 12:12 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator exception seeking approval to use 80% of 1007 in lieu of XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/04/2025 <br> Open-Exception request: Seeking approval to use 80% of 1007 in lieu of XXXX. 1007 includes XXXX data. - Due Diligence Vendor-06/04/2025 |  | Waived-Originator exception seeking approval to use 80% of 1007 in lieu of XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-06/04/2025 | LTV is less than guideline maximum - Max LTV 75%--- Borrower is at 70% <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR > 1 @ 1.003% | - DSCR Ratio >1.00<br> - LTV is 5% less than guideline maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4330914 |
| XXXX | 632204 | XXXX C B A | Closed | FCRE1159 | 2025-06-04 14:40 | 2025-07-28 16:51 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Originator exception granted to allow DTI. Non-material waiver applied to finding with compensating factors. Non-material, DTI finding < 55%. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Counter-Received correct HOI policy and PCCD--due to premium increase DTI is now 50.47% and exceeds maximum allowed of 50% - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Counter-PCCD with a disbursement date of XXXX provided. Effective date is XXXX. Finding remains. - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. Please see corrected documents which evidence the disbursement date of XXXX and supports insurance was active at the time of funding. - Seller-07/07/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX and disbursement date of XXXX. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please see corrected documents which evidence the disbursement date of XXXX and supports insurance was active at the time of funding. - Seller-07/07/2025 | Waived-Originator exception granted to allow DTI. Non-material waiver applied to finding with compensating factors. Non-material, DTI finding < 55%. - Due Diligence Vendor-07/28/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 783 is higher than the minimum XXXX required of 680<br> Months Reserves exceed minimum required - Verified assets of 27.23 months exceeds the minimum required of 6 months | 5+ years Verified employment history exceeds guidelines<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4335187 |
| XXXX | 632204 | XXXX C B A | Closed | FCRE1193 | 2025-07-25 14:42 | 2025-07-25 14:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to Non-Material Finding for DTI 50.74% - Due Diligence Vendor-08/26/2025 <br>Open-Audited DTI of 50.47% exceeds Guideline DTI of 50% - Due Diligence Vendor-07/25/2025 |  | Waived-Originator waiver applied to Non-Material Finding for DTI 50.74% - Due Diligence Vendor-08/26/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 783 is higher than the minimum XXXX required of 680<br> Months Reserves exceed minimum required - Verified assets of 27.23 months exceeds the minimum required of 6 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | N/A | 4951816 |
| XXXX | 633517 | XXXX D A | Closed | FCRE7806 | 2025-06-05 15:52 | 2025-07-24 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/23/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Not found in uploaded documents - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/23/2025<br>| Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - Max LTV is 85%, borrowers LTV is 80%<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI 39.62% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4351289 |
| XXXX | 634055 | XXXX C B A | Closed | FCRE1482 | 2025-06-06 07:48 | 2025-07-01 16:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Updated 1003 with NO Gift on Application received. Transaction history provided to support debt paid off. - Due Diligence Vendor-07/01/2025 <br> Counter-Please provide an LOE from the borrower stating no gift funds. Borrower paid debt prior to close. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please clear this condition. The XXXX is a new balance as of XXXX due to an ATM deposit made on XXXX for XXXX. As noted before, the borrower never received a XXXX gift and XXXX guide does not require sourcing of large deposits. - Seller-06/27/2025 <br> Counter-Per notes, borrower is receiving a gift of approximately XXXX to payoff debt. Borrower received XXXX and paid account XXXX. Both transactions XXXX. Gift Letter required. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please note that the XXXX gift was not received; however, sourcing would not have been needed since the XXXX Guide does not require sourcing of large deposits. we ask this condition be cleared. - Seller-06/16/2025 <br> Counter-Removed Gift as noted on corrected 1003-\*NEW\* provide acceptable source of XXXX deposit. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Final 1003 does not show gift funds of XXXX was given since it was not needed as the borrower had more than enough funds to close this loan as evidenced by the transaction summary dated XXXX from XXXX showing an ending balance of XXXX. - Seller-06/12/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing Gift funds of XXXX were given to the borrower or Escrow - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please clear this condition. The XXXX is a new balance as of XXXX due to an ATM deposit made on XXXX for XXXX. As noted before, the borrower never received a XXXX gift and XXXX guide does not require sourcing of large deposits. - Seller-06/27/2025 <br> Ready for Review-Please note that the XXXX gift was not received; however, sourcing would not have been needed since the XXXX Guide does not require sourcing of large deposits. we ask this condition be cleared. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. Final 1003 does not show gift funds of XXXX was given since it was not needed as the borrower had more than enough funds to close this loan as evidenced by the transaction summary dated XXXX from Suncoast showing an ending balance of XXXX. - Seller-06/12/2025 | Resolved-Updated 1003 with NO Gift on Application received. Transaction history provided to support debt paid off. - Due Diligence Vendor-07/01/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0X30days late X 55mths, exceeds 0X30X24mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 46% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4358105 |
| XXXX | 634055 | XXXX C B A | Closed | FCRE1491 | 2025-06-06 08:55 | 2025-06-19 17:06 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, loan file contained sufficient asset documentation. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Please note that the Bank Statement provided, ending XXXX, shows the ending balance for Acct# \*XXXX as XXXX; in addition, the included Transaction history, covering from XXXX - XXXX reflects the updated balance of XXXX. We further note that the XXXX does not require sourcing of large deposits; therefore, the XXXX deposit on XXXX was not required to be sourced. - Seller-06/16/2025 <br> Counter-Documentation received does not reflect XXXX XXXX shows ending balance of XXXX9 as of XXXX nor provide source. Original finding remains. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Transaction Summary from XXXX XXXX shows ending balance of XXXX as of XXXX. Final Closing disclosure only required cash to close of XXXX. Please see attached transaction summary and bank statements . - Seller-06/12/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Loan is short funds to close. - Due Diligence Vendor-06/06/2025 | Ready for Review-Please note that the Bank Statement provided, ending XXXX, shows the ending balance for Acct# XXXX as XXXX; in addition, the included Transaction history, covering from XXXX reflects the updated balance of XXXX We further note that the XXXX does not require sourcing of large deposits; therefore, the XXXX deposit on XXXX was not required to be sourced. - Seller-06/16/2025 <br> Ready for Review-Document Uploaded. Transaction Summary from XXXX XXXXshows ending balance of XXXX as of XXXX Final Closing disclosure only required cash to close of XXXX Please see attached transaction summary and bank statements . - Seller-06/12/2025 | Resolved-Upon further review, loan file contained sufficient asset documentation. - Due Diligence Vendor-06/19/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0X30days late X 55mths, exceeds 0X30X24mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 46% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4358662 |
| XXXX | 634055 | XXXX C B A | Closed | FCRE1194 | 2025-06-06 08:01 | 2025-06-13 14:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver 5 point credit exception for 70% LTV, applied to non material finding with comp factors - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV is 65% at 640 score (borrowers score is 635) - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Waived-Originator provided a waiver 5 point credit exception for 70% LTV, applied to non material finding with comp factors - Due Diligence Vendor-06/13/2025<br>| On time mortgage history exceeds guideline requirement - Borrower has 0X30days late X 55mths, exceeds 0X30X24mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 46% | DTI is over 5% below maximum allowed<br> Employment: 3 years with current employer | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4358207 |
| XXXX | 634055 | XXXX C B A | Closed | FCRE1197 | 2025-06-06 08:01 | 2025-06-06 09:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 635 is less than Guideline XXXX of 640.<br> Originator exception provided and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-06/06/2025 |  | Waived-Audited XXXX of 635 is less than Guideline XXXX of 640.<br> Originator exception provided and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-06/06/2025 | On time mortgage history exceeds guideline requirement - Borrower has 0X30days late X 55mths, exceeds 0X30X24mths<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 46% | DTI is over 5 below maximum<br> 24+ months mortgage rating 0X30 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4358205 |
| XXXX | 637207 | XXXX C B A | Closed | finding-3634 | 2025-06-09 10:19 | 2025-07-29 07:50 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX, LOX, copy of check and proof of delivery. Finding cured - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. Attached refund docs to resolve last condition - Seller-07/25/2025 <br> Counter------COC received. Closing disclosure dated XXXX with esignature XXXX and Final Closiing Disclosure XXXX hand signed XXXX. Timing requirement not met. Provide documentation that increase in fee was provided to borrower 3 days prior to closing date of XXXX. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-Document Uploaded. Please see attached CIC which was electronically delivered to the borrower when the loan amount was increased. We ask that this condition be cleared. - Seller-06/22/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. Attached refund docs to resolve last condition - Seller-07/25/2025 <br>Ready for Review-Document Uploaded. Please see attached CIC which was electronically delivered to the borrower when the loan amount was increased. We ask that this condition be cleared. - Seller-06/22/2025<br>| Cured-Received PCCD XXXX, LOX, copy of check and proof of delivery. Finding cured - Due Diligence Vendor-07/29/2025 | Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 680, borrowers mid score is 714<br> Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 34.49% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4379383 |
| XXXX | 662886 | XXXX C A | Closed | FPRO0022 | 2025-06-30 15:44 | 2025-07-02 14:48 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Upon further review, appraiser commented on the wildfires. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Page 8 of 34 of the appraisal report shows appraisal comment dated XXXX regarding the XXXX incident. Please clear this condition. - Seller-07/01/2025 <br> Open-XXXX disaster after appraisal without a Public PDI or 1004D. XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br> No comment was noted - Due Diligence Vendor-06/30/2025 | Ready for Review-Page 8 of 34 of the appraisal report shows appraisal comment dated XXXX regarding the XXXX wildfires and Straight-line Winds incident. Please clear this condition. - Seller-07/01/2025 | Resolved-Upon further review, appraiser commented on the wildfires. - Due Diligence Vendor-07/02/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - 776 vs. min XXXX 700 <br> LTV is less than guideline maximum - 65% LTV vs. 80% max LTV<br> Months Reserves exceed minimum required - > 36 months available vs. 0 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4607224 |
| XXXX | 662886 | XXXX C A | Closed | FPRO0021 | 2025-06-30 15:44 | 2025-07-02 14:48 | Resolved | 1 - Information C A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review, appraiser commented on the wildfires. - Due Diligence Vendor-07/02/2025 <br> Ready for Review-Page 8 of 34 of the appraisal report shows appraisal comment dated XXXX regarding the XXXX. Please clear this condition. - Seller-07/01/2025 <br> Open-XXXX disaster after appraisal without a Individual PDI or 1004D. XXXX and XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br> No comment by Appraiser was noted - Due Diligence Vendor-06/30/2025 | Ready for Review-Page 8 of 34 of the appraisal report shows appraisal comment dated XXXX regarding the XXXX wildfires and XXXX incident. Please clear this condition. - Seller-07/01/2025 | Resolved-Upon further review, appraiser commented on the wildfires. - Due Diligence Vendor-07/02/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - 776 vs. min XXXX 700 <br> LTV is less than guideline maximum - 65% LTV vs. 80% max LTV<br> Months Reserves exceed minimum required - > 36 months available vs. 0 required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4607223 |
| XXXX | 662965 | XXXX C B A | Closed | FVAL5524 | 2025-07-01 12:10 | 2025-07-17 17:26 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-After further review, the square footage requirement are for the entire property not per unit. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Our guide prescribes this for the entire living space of the property (IE. For individual condo's). The finding references just the ADU, however, the total square footage of the property totals 2,382 sq.ft. Please waive this condition - Seller-07/17/2025 <br> Counter-Guidelines state Properties with less than 500 square feet of living space. Detached ADU with an address of XXXX 1/2 has less than 500 square feet of living space. Finding remains. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Please note, the minimum square footage referenced in the DSCR guidelines is related to the entire property, and not to the ADU. ADU guidelines are in section 8.1.4 Accessory Dwelling Unit (ADU), which do not reference minimum square footage requirements. Furthermore, the ADU does have a stove as seen in the photo of the kitchen for unit XXXX 1/2. - Seller-07/01/2025 <br> Open-ADU is less than 500 square feet - per guides 500 square foot minimum required. Additionally, ADU has a XXXX; missing evidence of stove hookups. - Due Diligence Vendor-07/01/2025 | Ready for Review-Our guide prescribes this for the entire living space of the property (IE. For individual condo's). The finding references just the ADU, however, the total square footage of the property totals 2,382 sq.ft. Please waive this condition - Seller-07/17/2025 <br> Ready for Review-Please note, the minimum square footage referenced in the DSCR guidelines is related to the entire property, and not to the ADU. ADU guidelines are in section 8.1.4 Accessory Dwelling Unit (ADU), which do not reference minimum square footage requirements. Furthermore, the ADU does have a stove as seen in the photo of the kitchen for unit XXXX. - Seller-07/01/2025 | Resolved-After further review, the square footage requirement are for the entire property not per unit. - Due Diligence Vendor-07/17/2025<br>| DSCR % greater than 1.20 - DSCR = 1.441<br>Qualifying FICO score is at least 20 points above minimum for program - 776 vs. min FICO 700<br>Months Reserves exceed minimum required - 36 months available vs. 6 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4617532 |
| XXXX | 662965 | XXXX C B A | Closed | FCRE0970 | 2025-07-01 09:23 | 2025-07-01 12:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted to allow for appraisal transfer more than 60 days, Non-material waiver applied with comp factors. non-material due to CDA supports value, Low LTV, DSCR over 1.4 - Due Diligence Vendor-07/01/2025 <br>Open-Lender exception provided for appraisal transfer more than 60 days. - Due Diligence Vendor-07/01/2025 |  | Waived-Originator exception granted to allow for appraisal transfer more than 60 days, Non-material waiver applied with comp factors. non-material due to CDA supports value, Low LTV, DSCR over 1.4 - Due Diligence Vendor-07/01/2025<br>| DSCR % greater than 1.20 - DSCR = 1.441<br> Qualifying XXXX score is at least 20 points above minimum for program - 776 vs. min FICO 700<br> Months Reserves exceed minimum required - 36 months available vs. 6 months required | XXXX 776 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4613830 |
| XXXX | 685335 | XXXX C A | Closed | finding-3634 | 2025-07-23 15:24 | 2025-07-31 07:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Lender credits covers closing cost above legal limit - Due Diligence Vendor-07/28/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credits covers closing cost above legal limit - Due Diligence Vendor-07/23/2025 |  | Resolved------ Lender credits covers closing cost above legal limit - Due Diligence Vendor-07/28/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.58%<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 55.07% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4924197 |
| XXXX | 685335 | XXXX C A | Closed | finding-47 | 2025-07-23 15:24 | 2025-07-31 07:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-07/31/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.58%<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 55.07% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4924195 |
| XXXX | 685357 | XXXX C A | Closed | FCRE0108 | 2025-07-23 08:09 | 2025-07-25 15:50 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Page 493 shows coverage amountXXXX - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please see master insurance policy page 24 shows Employee dishonesty coverage, this docs was uploaded in the initial packet - Seller-07/23/2025 <br> Open-Fidelity Coverage not met. Coverage is required when Condo has more than 20 units. Condo has 21 units - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Page 493 shows coverage amount XXXX - Seller-07/23/2025 <br> Ready for Review-Document Uploaded. Please see master insurance policy page 24 shows Employee dishonesty coverage, this docs was uploaded in the initial packet - Seller-07/23/2025 | Resolved-Received documentation to support sufficient XXXX Coverage. - Due Diligence Vendor-07/25/2025 | Months Reserves exceed minimum required - 3 months minimum reserves required, borrower has 20.95 documented<br> Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 700, coborrowers mid score is 726 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4915377 |
| XXXX | 686539 | XXXX C A | Closed | FCRE1440 | 2025-07-24 10:09 | 2025-07-25 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-07/25/2025 <br>Ready for Review-Document Uploaded. Please note the mortgage statement for the borrower's primary residence was delivered with the loan file. Please refer to page 167 and attached herein. - Seller-07/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing evidence that the borrower's primary is owned free and clear or VOM./ - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Please note the mortgage statement for the borrower's primary residence was delivered with the loan file. Please refer to page 167 and attached herein. - Seller-07/24/2025<br>| Resolved-Housing History was provided. - Due Diligence Vendor-07/25/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 9 mths- Borrower has 5.45 mths in reserves <br>DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR % is 1.866 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4931814 |
| XXXX | 692346 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 692352 | XXXX C B A | Closed | FCRE1198 | 2025-07-25 12:04 | 2025-07-25 12:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/29/2025 <br>Open-Audited Reserves of 2.76 month(s) are less than Guideline Required Reserves of 3 month(s) Short funds for reserves - Due Diligence Vendor-07/25/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-07/29/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 33.83%<br>Credit history exceeds minimum required - 4 credit tradelines reporting over 12 months clean credit history |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 4948721 |
| XXXX | 692353 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 692356 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 693376 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 693601 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 693733 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 693935 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 693961 | XXXX D A C | Closed | FCRE0700 | 2025-07-29 11:35 | 2025-07-31 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received LE. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. The refinance on XXXX is not closed yet. Please see attached LE. - Seller-07/29/2025 <br> Open-Missing final CD for refinance on XXXX - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. The refinance on XXXX is not closed yet. Please see attached LE. - Seller-07/29/2025 | Resolved-Received LE. - Due Diligence Vendor-07/31/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 660, borrowers mid score is 689<br> Months Reserves exceed minimum required - 0 months reserves required, borrower has 33 documented |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4980132 |
| XXXX | 693961 | XXXX D A C | Closed | finding-3652 | 2025-07-23 15:25 | 2025-07-31 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC 7/8/2025, finding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. There was a CIC on XXXX due to a change in program and an interest rate change which decreased the Lender Credit. The CD sent disclosed the decrease from XXXX; resulting from the Program and Interest Rate Change. Please see attached. <br> - Seller-07/29/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. There was a CIC on XXXX due to a change in program and an interest rate change which decreased the Lender Credit. The CD sent disclosed the decrease from XXXX (CD sent XXXX) to XXXX; resulting from the Program and Interest Rate Change. Please see attached. <br> - Seller-07/29/2025 | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-07/31/2025 | Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 660, borrowers mid score is 689<br> Months Reserves exceed minimum required - 0 months reserves required, borrower has 33 documented |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4924203 |
| XXXX | 693992 | XXXX C A | Closed | finding-3634 | 2025-07-23 15:03 | 2025-07-31 15:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD XXXX includes lender credit for increase in closing costs above legal limit, $165. Finding resolved. - Due Diligence Vendor-07/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $165.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD 7/17/2025 includes lender credit for increase in closing costs above legal limit, $165. Finding resolved. - Due Diligence Vendor-07/23/2025 |  | Resolved-Final CD XXXX includes lender credit for increase in closing costs above legal limit, XXXX. Finding resolved. - Due Diligence Vendor-07/29/2025 | Credit history exceeds minimum required - 0X30 since 11.02.2015.<br>Verified employment history exceeds guidelines - Per CTEC letter, borrower has been in business since 2010. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4923848 |
| XXXX | 693992 | XXXX C A | Closed | finding-3635 | 2025-07-23 15:03 | 2025-07-31 09:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received SPL XXXX. Finding resolved. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/30/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Title fees) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year, expiration date XXXX. ---File is missing Service Provider list, therefore all fees in Section C are tested at 10%. Provide Service Provider list for proper testing. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/30/2025<br>| Resolved-Received SPL XXXX. Finding resolved. - Due Diligence Vendor-07/31/2025 | Credit history exceeds minimum required - 0X30 since 11.02.2015.<br> Verified employment history exceeds guidelines - Per XXXX letter, borrower has been in business since 2010. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4923850 |
| XXXX | 694319 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 695249 | XXXX D A C | Closed | FCRE1506 | 2025-07-25 16:04 | 2025-08-01 15:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received documentation to exclude XXXX - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Please see attached letter from XXXX confirming the payoff of the account that was excluded from the DTI calculations. - Seller-07/30/2025 <br> Counter-Reviewed DTI is now calculating at 53.66%. XXXX total combined monthly income. XXXX subject PITIA, XXXX rent loss and XXXX in consumer debt. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The XXXX loan XXXX, XXXX was included in the DTI calculations (please see 1003 attached) and there is no rental income being used for property 3b. The XXXX is the T&I for the property based on 1/3 ownership with siblings. Please see attached PITIA documentation. - Seller-07/25/2025 <br> Open-Audited DTI of 55.28% exceeds Guideline DTI of 50%; discrepancy appears to be with the rental income being used for property 3b. Loan application reflects XXXX; please provide lease agreement. - Due Diligence Vendor-07/25/2025 | Ready for Review-Please see attached letter from XXXX confirming the payoff of the account that was excluded from the DTI calculations. - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The Pathway Auto loan XXXX was included in the DTI calculations (please see 1003 attached) and there is no rental income being used for property 3b. The - XXXX is the T&I for the property based on 1/3 ownership with siblings. Please see attached PITIA documentation. - Seller-07/25/2025 | Resolved-Received documentation to exclude XXXX - Due Diligence Vendor-08/01/2025 | Qualifying XXXX score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 772<br> Months Reserves exceed minimum required - Min reserves required 0 mths- Borrowers have 16.43 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4953372 |
| XXXX | 695249 | XXXX D A C | Closed | FCRE1193 | 2025-07-23 08:52 | 2025-08-01 15:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation to exclude XXXX. Audited DTI of 49.62% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please see attached letter from XXXX confirming the payoff of the account that was excluded from the DTI calculations. - Seller-07/30/2025 <br> Counter-Reviewed DTI is now calculating at 53.66%. XXXX total combined monthly income. XXXX subject PITIA, XXXX rent loss and XXXX in consumer debt. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The XXXX loan XXXX was included in the DTI calculations (please see 1003 attached) and there is no rental income being used for property 3b. The XXXX is the T&I for the property based on 1/3 ownership with siblings. Please see attached PITIA documentation. - Seller-07/25/2025 <br> Counter-XXXX loan XXXXmonthly payment was not included. - Due Diligence Vendor-07/25/2025 <br> Counter-Audited DTI of 55.28% exceeds Guideline DTI of 50%; discrepancy appears to be with the rental income being used for property 3b. Loan application reflects XXXX; please provide lease agreement. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. There are no new debts on the Credit Refresh dated XXXX that were not included into the DTI. All debts are included and the DTI is 49.620% - Seller-07/23/2025 <br> Open-Audited DTI of 52.85% exceeds Guideline DTI of 50% DTI exceeds 50% since there is a debt on the Credit Refresh dated XXXX that was not included into the DTI. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please see attached letter from XXXX confirming the payoff of the account that was excluded from the DTI calculations. - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The XXXX loan XXXX was included in the DTI calculations (please see 1003 attached) and there is no rental income being used for property 3b. The - XXXX is the T&I for the property based on 1/3 ownership with siblings. Please see attached PITIA documentation. - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. There are no new debts on the Credit Refresh dated XXXX that were not included into the DTI. All debts are included and the DTI is 49.620% - Seller-07/23/2025 | Resolved-Received documentation to exclude XXXX. Audited DTI of 49.62% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/01/2025 | Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX 680- Borrowers XXXX 772<br> Months Reserves exceed minimum required - Min reserves required 0 mths- Borrowers have 16.43 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4915836 |
| XXXX | 695249 | XXXX D A C | Closed | FCRE1333 | 2025-07-23 08:01 | 2025-07-29 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/29/2025 <br>Ready for Review-We respectfully disagree. The subject loan closed using the 1 year 1099 income documentation type. Therefore WVOE with YTD income is not applicable. - Seller-07/23/2025 <br>Open-Borrower 1 WVOE Missing Missing WVOE with YTD income and prior 2 years. - Due Diligence Vendor-07/23/2025 | Ready for Review-We respectfully disagree. The subject loan closed using the 1 year 1099 income documentation type. Therefore WVOE with YTD income is not applicable. - Seller-07/23/2025<br>| Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-07/29/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX 680- Borrowers XXXX 772<br> Months Reserves exceed minimum required - Min reserves required 0 mths- Borrowers have 16.43 mths in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4915293 |
| XXXX | 696486 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 697351 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 697671 | XXXX C B A | Closed | FCRE0046 | 2025-07-30 11:57 | 2025-08-04 17:19 | Resolved | 1 - Information C A | Credit | Borrower | Foreign National Country or Residence is on Sanctions List | Resolved-Upon further review, the borrower is not sanctioned. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-While the borrower resides in XXXX, we confirm the following:<br> • XXXX is not a comprehensively sanctioned country by the XXXX.<br> • OFAC sanctions targeting Nicaragua are limited and specific, applying only to designated individuals and entities, not the general population or residents of the country.<br> • The borrower, XXXX, is not listed on the XXXX (XXXX) list, nor is there any indication she is affiliated with a sanctioned party.<br> Therefore, the presence of XXXX on a targeted sanctions list does not prohibit this transaction under current XXXX guidance.<br> - Seller-08/01/2025 <br> Open-Foreign National Country or Residence on Sanctions List. The Foreign National County is on the Sanction List. - Due Diligence Vendor-07/30/2025 | Ready for Review-While the borrower resides in XXXX, we confirm the following:<br> • XXXX is not a comprehensively sanctioned country by the XXXX.<br> • OFAC sanctions targeting XXXX are limited and specific, applying only to designated individuals and entities, not the general population or residents of the country.<br> • The borrower,XXXX, is not listed on the XXXX list, nor is there any indication she is affiliated with a sanctioned party.<br> Therefore, the presence of XXXX on a targeted sanctions list does not prohibit this transaction under current XXXX guidance.<br> - Seller-08/01/2025 | Resolved-Upon further review, the borrower is not sanctioned. - Due Diligence Vendor-08/04/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.227<br>LTV is less than guideline maximum - LTV is less than guideline maximum- Program LTV is 65%, borrower's LTV is 51.71% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4995063 |
| XXXX | 697671 | XXXX C B A | Closed | FCRE1278 | 2025-07-30 12:06 | 2025-07-30 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/30/2025 <br> Open-Exception request: Seeking exception to waive escrows with XXXX DSCR - Due Diligence Vendor-07/30/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR = 1.227<br>LTV is less than guideline maximum - LTV is less than guideline maximum- Program LTV is 65%, borrower's LTV is 51.71% | - 0X30 mortgage history 24 months<br> _ LTV 5% + below maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4995233 |
| XXXX | 697723 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 697734 | XXXX D A C | Closed | finding-651 | 2025-07-30 05:51 | 2025-08-26 14:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, fees were corrected - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. This is invalid, their compliance ease has this as 'Mortgage Insurance Reserve paid by Borrower' for XXXX, when this charge was an impound for Property taxes as per final CD - Seller-08/08/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than XXXX. This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX . The disclosed finance charge of XXXX is not considered accurate because it is understated by more than XXXX at XXXX. Provide evidence of refund or principal reduction of XXXX or at a minimum to the XXXX threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statue of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. This is invalid, their compliance ease has this as 'Mortgage Insurance Reserve paid by Borrower' for XXXX, when this charge was an impound for Property taxes as per final CD - Seller-08/08/2025 | Resolved-Upon further review, fees were corrected - Due Diligence Vendor-08/26/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 28%<br> Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 700, borrowers mid score is 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4990017 |
| XXXX | 697734 | XXXX D A C | Closed | finding-3732 | 2025-07-30 05:47 | 2025-08-26 14:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, fees have been corrected finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Ready for Review-This is invalid, their compliance ease has this as 'Mortgage Insurance Reserve paid by Borrower' for XXXX, when this charge was an impound for Property taxes as per final CD - Seller-08/08/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXXX. The disclosed total of payments of XXXX is not considered accurate because it is understated by more than XXXX and the provided reimbursement amount of XXXX is not sufficient to cure the inaccuracy. Total of payments is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Ready for Review-This is invalid, their compliance ease has this as 'Mortgage Insurance Reserve paid by Borrower' for XXXX, when this charge was an impound for Property taxes as per final CD - Seller-08/08/2025 | Resolved-Upon further review, fees have been corrected finding resolved. - Due Diligence Vendor-08/26/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 28%<br> Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 700, borrowers mid score is 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4990006 |
| XXXX | 697734 | XXXX D A C | Closed | FPRO1242 | 2025-07-31 10:52 | 2025-08-04 17:17 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Appraisal is Missing Not located in Upload - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 28%<br> Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX is 700, borrowers mid score is 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5007172 |
| XXXX | 697734 | XXXX D A C | Closed | FPRO1253 | 2025-07-31 10:52 | 2025-08-04 17:17 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Additional valuation product has not been provided. Not located in Upload - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-08/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50.49%, borrowers DTI is 28%<br> QualifyingXXXX score is at least 20 points above minimum for program - Min XXXX is 700, borrowers mid score is 796 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5007173 |
| XXXX | 697807 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 697818 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 697917 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 698073 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 699020 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699023 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 699030 | XXXX D A | Closed | FPRO1242 | 2025-08-04 21:07 | 2025-08-06 17:17 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Open-Appraisal is Missing Missing appraisal report for subject property - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.35 months exceeds the minimum required of 0 months<br> Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 742 is higher than the minimum XXXX required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5051860 |
| XXXX | 699030 | XXXX D A | Closed | FPRO1253 | 2025-08-04 21:07 | 2025-08-06 17:17 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received AVM with a FSD score of .04. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Open-Additional valuation product has not been provided. Missing second valuation production for subject property to support appraised value. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received AVM with a FSD score of .04. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.35 months exceeds the minimum required of 0 months<br> Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 742 is higher than the minimum XXXX required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5051861 |
| XXXX | 699030 | XXXX D A | Closed | FCRE7497 | 2025-08-05 06:33 | 2025-08-06 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD confirming the PITIA of XXXX. - Seller-08/05/2025 <br> Open-Missing documentation for support PITIA of XXXX as listed on the Final 1003 for REO 3B. Audit used this figure in review. Additional conditions may apply. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached Final CD confirming the PITIA of XXXX. - Seller-08/05/2025 | Resolved-Received PITIA. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Verified assets of 28.35 months exceeds the minimum required of 0 months<br> Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 742 is higher than the minimum XXXX required of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5054285 |
| XXXX | 699032 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699035 | XXXX D A | Closed | FCRE0140 | 2025-08-04 12:18 | 2025-08-07 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Upon further review, the loan file contained all required layered LLC documentation. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-We respectfully disagree since the Promissory Note and Loan Agreement was signed by our borrower, XXXX and we are just vesting the subject property to an LLC - XXXX. Please clear this finding. - Seller-08/05/2025 <br> Open-Ineligible borrower, as the loan is in a Trusts or business entities whose members include other LLCs, Corporations, Partnerships, or Trusts. - Due Diligence Vendor-08/04/2025 | Ready for Review-We respectfully disagree since the Promissory Note and Loan Agreement was signed by our borrower,XXXX and we are just vesting the subject property to an LLC - XXXX. Please clear this finding. - Seller-08/05/2025 | Resolved-Upon further review, the loan file contained all required layered LLC documentation. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths -- Borrower has 22.67 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.005 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5043206 |
| XXXX | 699035 | XXXX D A | Closed | FCRE8338 | 2025-08-04 12:19 | 2025-08-07 15:41 | Resolved | 1 - Information C A | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br>Open-Missing Cash Out Letter. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths -- Borrower has 22.67 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.005 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5043218 |
| XXXX | 699035 | XXXX D A | Closed | FCRE8224 | 2025-08-04 12:16 | 2025-08-07 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received operating agreement. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025 <br> Open-Missing Operating Agreement for XXXX - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/05/2025<br>| Resolved-Received operating agreement. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Min reserves 6 mths -- Borrower has 22.67 mths in reserves <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.005 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5043124 |
| XXXX | 699037 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 699039 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699042 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 699052 | XXXX C B A | Closed | FCRE1505 | 2025-08-04 10:01 | 2025-08-04 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator exception granted to allow 24 month insurance to be used to satisfy the other 24 month tradeline requirement., Non-material waiver applied with comp factors. non-material due to borrower has 1 tradeline reporting 29 months satisfactory, low DTI and Reserves. - Due Diligence Vendor-08/04/2025 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Lender exception to allow for 24 month insurance to be used to satisfy the other 24 month tradeline requirement. - Due Diligence Vendor-08/04/2025 |  | Waived-Originator exception granted to allow 24 month insurance to be used to satisfy the other 24 month tradeline requirement., Non-material waiver applied with comp factors. non-material due to borrower has 1 tradeline reporting 29 months satisfactory, low DTI and Reserves. - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - Verified assets of 24.26 months exceeds the minimum required of 3 months<br>Qualifying DTI below maximum allowed - DTI of 9.99% is less than the maximum allowed per guidelines of 50% | Qualifying DTI 5% below maximum allowed<br> Reserves 3+ months above required<br> Qualifying XXXX score is at least 20 points above minimum for program<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5039175 |
| XXXX | 699053 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 699055 | XXXX C B A | Closed | FCRE1492 | 2025-08-04 06:33 | 2025-08-06 14:45 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Upon further review, lender provided an exception in file to measure the delayed financing from the Note date. Loan meets the seasoning requirements. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-We agree regarding the Delayed Financing requirement; however, we note that the property was purchased on XXXX and our application was dated XXXX, exactly 90 days. Since the 90 day mark was met, the loan would qualify as a regular cash out and there would be no restriction as to what the borrower would be allowed to cash out. We ask that this please be reviewed again and considered to have this condition cleared. - Seller-08/05/2025 <br> Counter-Delayed purchase financing is eligible when a property was purchased by a borrower for cash within 90 days of the loan application. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Lender Exception for delayed financing is incorrect and not needed since the purchase note date is XXXX and the new note is XXXX so this loan is a Cash-Out transaction that more than meets the 3.3 Cash-Out Guide - Must have at least three (3) months title seasoning (note to note). - Seller-08/04/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Lender exception provided to allow delayed financing 90 days from note date instead of application date. Finding to remain open until additional documents provided. File is missing closing statement from the purchase transaction and source of funds for purchase transaction. Subject loan is delayed financing per guides Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan. Audit unable to determine if gift funds were used in the purchase transaction. - Due Diligence Vendor-08/04/2025 | Ready for Review-We agree regarding the Delayed Financing requirement; however, we note that the property was purchased on XXXX and our application was dated XXXX, exactly 90 days. Since the 90 day mark was met, the loan would qualify as a regular cash out and there would be no restriction as to what the borrower would be allowed to cash out. We ask that this please be reviewed again and considered to have this condition cleared. - Seller-08/05/2025 <br> Ready for Review-Lender Exception for delayed financing is incorrect and not needed since the purchase note date is XXXX and the new note is XXXX so this loan is a Cash-Out transaction that more than meets the 3.3 Cash-Out Guide - Must have at least three (3) months title seasoning (note to note). - Seller-08/04/2025 | Resolved-Upon further review, lender provided an exception in file to measure the delayed financing from the Note date. Loan meets the seasoning requirements. - Due Diligence Vendor-08/06/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower XXXX 685.<br> Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 22.33% | DTI is 5% less than max<br> XXXX is 20+ points above minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5036767 |
| XXXX | 699055 | XXXX C B A | Closed | FCRE1491 | 2025-08-04 06:51 | 2025-08-06 14:45 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, lender provided an exception in file to measure the delayed financing from the Note date. Loan meets the seasoning requirements. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-We agree regarding the Delayed Financing requirement; however, we note that the property was purchased on XXXX and our application was dated XXXX, exactly 90 days. Since the 90 day mark was met, the loan would qualify as a regular cash verification of the funds used to purchase the property would not be required. We ask that this please be reviewed again and considered to have this condition cleared. - Seller-08/05/2025 <br> Counter-Per guidelines delayed purchase financing is eligible when a property was purchased by a borrower for cash within 90 days of the loan application - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Transaction is not a Delayed Financing Transaction but a Cash-Out transaction. Please clear this finding. - Seller-08/04/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Subject transaction is delayed financing: Missing the source of funds for the purchase transaction being documented (such as bank statements, personal loan documents, or a HELOC on another property) - Due Diligence Vendor-08/04/2025 | Ready for Review-We agree regarding the Delayed Financing requirement; however, we note that the property was purchased on XXXX and our application was dated XXXX, exactly 90 days. Since the 90 day mark was met, the loan would qualify as a regular cash verification of the funds used to purchase the property would not be required. We ask that this please be reviewed again and considered to have this condition cleared. - Seller-08/05/2025 <br> Ready for Review-Transaction is not a Delayed Financing Transaction but a Cash-Out transaction. Please clear this finding. - Seller-08/04/2025 | Resolved-Upon further review, lender provided an exception in file to measure the delayed financing from the Note date. Loan meets the seasoning requirements. - Due Diligence Vendor-08/06/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower XXXX 685.<br> Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 22.33% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5036852 |
| XXXX | 699055 | XXXX C B A | Closed | FCRE1194 | 2025-08-04 06:55 | 2025-08-06 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-08/06/2025 <br> Ready for Review-3.3 Cash-Out guide shows current appraised market value to be used regardless of acquisition date. Loan amount of XXXX over current appraised market value of XXXX is 70% LTV. This is not a delayed financing transaction. Please clear this finding. - Seller-08/04/2025 <br> Open-Audited LTV of 106.24% exceeds Guideline LTV of 70% Delayed financing The maximum LTV/CLTV ratio for the transaction is based upon the lesser of the current appraisal value or previous purchase price plus documented improvements. Subject purchased XXXX for XXXX no documented cost of improvements provided. Audit used previous purchase price for LTV. - Due Diligence Vendor-08/04/2025 | Ready for Review-3.3 Cash-Out guide shows current appraised market value to be used regardless of acquisition date. Loan amount of XXXX over current appraised market value of XXXX is 70% LTV. This is not a delayed financing transaction. Please clear this finding. - Seller-08/04/2025 | Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-08/06/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower FICO 685.<br> Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 22.33% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5036886 |
| XXXX | 699055 | XXXX C B A | Closed | FCRE1199 | 2025-08-04 07:02 | 2025-08-06 14:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow delayed transaction to measured from the Note date. Non-material waiver applied to finding with compensating factors. Loan is not delayed finance when calculating from the Note date. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-This is not a Delayed financing transaction but a Cash-out transaction. Please clear this finding. - Seller-08/04/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Delayed financing subject was purchased XXXX for XXXX per guides The new loan amount can be no more than the actual documented amount of the borrower's initial investment subject to the maximum LTV/CLTV for cash-out transactions - Due Diligence Vendor-08/04/2025 | Ready for Review-This is not a Delayed financing transaction but a Cash-out transaction. Please clear this finding. - Seller-08/04/2025<br>| Waived-Originator exception granted to allow delayed transaction to measured from the Note date. Non-material waiver applied to finding with compensating factors. Loan is not delayed finance when calculating from the Note date. - Due Diligence Vendor-08/06/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Lender minimum XXXX 660, borrower XXXX 685.<br> Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 22.33% | DTI is 5% less than max<br> XXXX is 20+ points above minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5036928 |
| XXXX | 699056 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 699058 | XXXX D A | Closed | FPRO1242 | 2025-08-01 14:20 | 2025-08-05 14:32 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/01/2025 <br>Open-Appraisal is Missing Provide missing appraisal 1073 with 1007. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/01/2025<br>| Resolved-Received Appraisal - Due Diligence Vendor-08/05/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .80, borrower DSCR 1.038<br>LTV is less than guideline maximum - Lender max LTV 85%, subject LTV 40.82% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5027404 |
| XXXX | 699074 | XXXX C A | Closed | FCRE0082 | 2025-08-01 12:05 | 2025-08-04 15:25 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Warranty Deed. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. The Warranty Deed was included in the uploaded loan file. Please refer to pages 512-516 and attached herein.. - Seller-08/01/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing executed Warranty Deed from borrower and XXXX to borrower and LLC - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. The Warranty Deed was included in the uploaded loan file. Please refer to pages 512-516 and attached herein.. - Seller-08/01/2025<br>| Resolved-Received Warranty Deed. - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - 70.28 mos reserves; 3 mos required<br>LTV is less than guideline maximum - Max LTV is 65%, borrowers LTV is 60%<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR .75, Borrowers DSCR 1.023 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5025005 |
| XXXX | 699133 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 699135 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 699137 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 699139 | XXXX C B A | Closed | FCRE1492 | 2025-08-01 08:27 | 2025-08-01 09:35 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow cash out over 1 million, Non-material waiver applied with comp factors. non-material due to low DTI, clean credit profile. - Due Diligence Vendor-08/01/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Exception request: Cash-in-hand amount XXXX. exceeds XXXX. - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted to allow cash out over 1 million, Non-material waiver applied with comp factors. non-material due to low DTI, clean credit profile. - Due Diligence Vendor-08/01/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX 680- Borrowers XXXX 706<br> Qualifying DTI below maximum allowed - Max DTI 50%- Borrowers DTI 32.76% | DTI 5% below maximum allowed<br> 24+ month credit history 0x30 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5019857 |
| XXXX | 699141 | XXXX C A | Closed | finding-3625 | 2025-07-30 08:58 | 2025-08-11 07:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD with fee moved to Section A, finding reoslved. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Please see attached PCCD copy - Seller-08/08/2025 <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Third Party Processing Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. <br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Please see attached PCCD copy - Seller-08/08/2025<br>| Resolved-Received PCCD with fee moved to Section A, finding reoslved. - Due Diligence Vendor-08/11/2025<br>| Qualifying XXXX score is at least 20 points above minimum for program - Min XXXX 680- Borrower's XXXX 787.<br> LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 28.57% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4991365 |
| XXXX | 700118 | XXXX C B A | Closed | FCRE1492 | 2025-08-06 13:50 | 2025-08-06 13:51 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow (x). Non-material waiver applied with comp factors. Deemed non-material due to newest lender guide does not have the program overlay requirement. - Due Diligence Vendor-08/06/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Property listed within the past two months must be removed for at least three months - Due Diligence Vendor-08/06/2025 |  | Waived-Originator exception granted to allow (x). Non-material waiver applied with comp factors. Deemed non-material due to newest lender guide does not have the program overlay requirement. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - Verified assets of 29.88 months exceeds the minimum required of 3 months<br> LTV is less than guideline maximum - 63.4% < 75% max<br> Qualifying XXXX score is at least 20 points above minimum for program - XXXX of 796 is higher than the minimum XXXX required of 700 | XXXX 20 points above min<br> LTV 5% below max |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5078902 |
| XXXX | 700299 | XXXX D A | Closed | FCRE1197 | 2025-08-06 14:05 | 2025-08-08 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received Credit Report. Audited XXXX of 816 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Qualifying Fico 816 and in credit report placeholder - Seller-08/06/2025 <br> Open-Audited FICO of is less than Guideline XXXX of 660 Upon receipt of the borrower's credit report, we will be able to determine if the XXXX score meets guidelines. - Due Diligence Vendor-08/06/2025 | Ready for Review-Qualifying XXXX 816 and in credit report placeholder - Seller-08/06/2025 | Resolved-Received Credit Report. Audited XXXX of 816 is greater than or equal to Guideline XXXX of 660 - Due Diligence Vendor-08/08/2025 | Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 14.62 mths in reserves <br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5079168 |
| XXXX | 700299 | XXXX D A | Closed | FCRE1159 | 2025-08-06 13:28 | 2025-08-08 13:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Insurance Binder - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD showing the true disbursement date of XXXX. PCCD supports the loan was completed after the HOI effective date and should be sufficient to clear this item. - Seller-08/07/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Missing Hazard Insurance effective date is prior to the Note and Disbursement date. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. Please see attached PCCD showing the true disbursement date of XXXX. PCCD supports the loan was completed after the HOI effective date and should be sufficient to clear this item. - Seller-08/07/2025 | Resolved-Received Insurance Binder - Due Diligence Vendor-08/08/2025<br>| Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 14.62 mths in reserves <br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5078431 |
| XXXX | 700299 | XXXX D A | Closed | FCRE5770 | 2025-08-06 13:48 | 2025-08-08 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Ready for Review-Please waive condition as credit report XXXX was uploaded XXXX under credit report placeholder w/ a XXXX of 816 - Seller-08/06/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing B1 Credit Report. Upon receipt additional condition maybe required. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Ready for Review-Please waive condition as credit report XXXX was uploaded XXXX under credit report placeholder w/ a XXXX of 816 - Seller-08/06/2025 | Resolved-Received Credit Report. - Due Diligence Vendor-08/08/2025<br>| Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 14.62 mths in reserves <br>LTV is less than guideline maximum - Max LTV 80%- Borrower's LTV 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5078869 |
| XXXX | 700300 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 700308 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 701327 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 594303 | XXXX | XXXX D A |
| XXXX | 623968 | XXXX | XXXX C A B |
| XXXX | 628075 | XXXX | XXXX C A B |
| XXXX | 628549 | XXXX | XXXX D A B |
| XXXX | 632204 | XXXX | XXXX C A B |
| XXXX | 633517 | XXXX | XXXX D A |
| XXXX | 634055 | XXXX | XXXX C A B |
| XXXX | 637207 | XXXX | XXXX A C B |
| XXXX | 662886 | XXXX | XXXX A C |
| XXXX | 662965 | XXXX | XXXX C A B |
| XXXX | 685335 | XXXX | XXXX A C |
| XXXX | 685357 | XXXX | XXXX C A |
| XXXX | 686539 | XXXX | XXXX C A |
| XXXX | 692346 | XXXX | XXXX A |
| XXXX | 692352 | XXXX | XXXX C A B |
| XXXX | 692353 | XXXX | XXXX A |
| XXXX | 692356 | XXXX | XXXX A |
| XXXX | 693376 | XXXX | XXXX A |
| XXXX | 693601 | XXXX | XXXX A |
| XXXX | 693733 | XXXX | XXXX A |
| XXXX | 693935 | XXXX | XXXX A |
| XXXX | 693961 | XXXX | XXXX D C A |
| XXXX | 693992 | XXXX | XXXX A C |
| XXXX | 694319 | XXXX | XXXX A |
| XXXX | 695249 | XXXX | XXXX D C A |
| XXXX | 696486 | XXXX | XXXX A |
| XXXX | 697351 | XXXX | XXXX A |
| XXXX | 697671 | XXXX | XXXX C A B |
| XXXX | 697723 | XXXX | XXXX A |
| XXXX | 697734 | XXXX | XXXX A C D |
| XXXX | 697807 | XXXX | XXXX A |
| XXXX | 697818 | XXXX | XXXX A |
| XXXX | 697917 | XXXX | XXXX A |
| XXXX | 698073 | XXXX | XXXX A |
| XXXX | 699020 | XXXX | XXXX A |
| XXXX | 699023 | XXXX | XXXX A |
| XXXX | 699030 | XXXX | XXXX D A |
| XXXX | 699032 | XXXX | XXXX A |
| XXXX | 699035 | XXXX | XXXX D A |
| XXXX | 699037 | XXXX | XXXX A |
| XXXX | 699039 | XXXX | XXXX A |
| XXXX | 699042 | XXXX | XXXX A |
| XXXX | 699052 | XXXX | XXXX C A B |
| XXXX | 699053 | XXXX | XXXX A |
| XXXX | 699055 | XXXX | XXXX C A B |
| XXXX | 699056 | XXXX | XXXX A |
| XXXX | 699058 | XXXX | XXXX A D |
| XXXX | 699074 | XXXX | XXXX C A |
| XXXX | 699133 | XXXX | XXXX A |
| XXXX | 699135 | XXXX | XXXX A |
| XXXX | 699137 | XXXX | XXXX A |
| XXXX | 699139 | XXXX | XXXX C A B |
| XXXX | 699141 | XXXX | XXXX A C |
| XXXX | 700118 | XXXX | XXXX C A B |
| XXXX | 700299 | XXXX | XXXX D A |
| XXXX | 700300 | XXXX | XXXX A |
| XXXX | 700308 | XXXX | XXXX A |
| XXXX | 701327 | XXXX | XXXX A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 594303 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.07 | 62.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 623968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.2 | XXXX |
| XXXX | 628075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | 628549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 632204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.8 | 75.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 633517 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 634055 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 637207 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.47 | 79.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| XXXX | 662886 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 662965 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 685335 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.07 | 55.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 685357 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 686539 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.27 | 50.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 692346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0473 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0473 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 692352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 692353 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 692356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0033 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0033 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | 693376 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 48.4 | 48.4 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 693601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 693733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 693935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 693961 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 693992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 694319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 88.76 | 88.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 695249 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.23 | 74.23 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 696486 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 697351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 697671 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.71 | 51.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 697723 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.0 | 45.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 697734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 697807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 697818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| XXXX | 697917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| XXXX | 698073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 699020 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0921 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0921 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 699023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 699030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.54 | 54.54 | XXXX | XXXX | -.0175 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0175 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | 699032 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 699035 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 699037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 2.2 | XXXX |
| XXXX | 699039 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.65 | 34.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 699042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 84.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 699052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 699053 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 31.76 | 31.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 699055 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.1 | XXXX |
| XXXX | 699056 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 699058 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 40.82 | 40.82 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 699074 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 699133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 699135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 699137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 2.1 | XXXX |
| XXXX | 699139 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.67 | 75.0 | XXXX | XXXX | -.0209 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0209 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | 699141 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.57 | 28.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 700118 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.4 | 63.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 700299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.14 | 66.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1.3 | XXXX |
| XXXX | 700300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 700308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.07 | 63.07 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 701327 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.88 | 64.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Sutton Funding LLC ("Client"). The review was conducted between November 2024 and May 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(0) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 9 Non-QM loans for a total of 9 loans the "Final Securitization Population".

*<u>Credit Reviews (9):</u>*

During the Review, Selene performed a credit review on 9 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (9)</u>*

During the Review, Selene performed a compliance review, when applicable on 9 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (9):</u>*

During the Review, Selene performed a property valuation review on 9 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (9):</u>*

During the Review, Selene performed a Data Integrity Review on 9 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 9 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Determination of the sample size and computation.**

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

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Quality or integrity of information or data about the assets: review and methodology.**

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

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

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

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

ACC Underwriting Guidelines (the "Guidelines").

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

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

**Page 2 of **16**

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

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

 **CREDIT REVIEW**

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

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

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

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

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

 **COMPLIANCE REVIEW**

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

 **PROPERTY VALUATION REVIEW**

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

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

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

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

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

**Page 3 of **16**

 **DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 9 mortgage loans, (ii) a Compliance Review on 9 mortgage loans (iii) a Valuation Review on 9 mortgage loans, and (iv) a Data Integrity Review on 9 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 9 mortgage loans; 8 mortgage loans had a rating grade of A, 1 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (9 overall loans):***<br> **** |
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;% |
| &nbsp;&nbsp;A | 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B | 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;C | 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | 9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Page 4 of **16**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; <br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** |
| | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp; 0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

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

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

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

**Page 5 of **16**

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

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

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

**Page 6 of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

**Page 7 of **16**

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

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

**Page 8 of **16**

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

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

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

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

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

**Page 9 of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

**Page 10 of **16**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Page 11 of **16**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

**Page 12 of **16**

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

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

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

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

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

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

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

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

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

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

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

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

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

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

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

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

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

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

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

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

**Page 13 of **16**

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

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

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

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

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

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

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

<u>General Ability to Repay</u>

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

**Page 14 of **16**

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

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

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

**Page 15 of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

**Page 16 of **16**

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxx0229 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0197 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0042 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0042 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0171 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0301 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0301 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0266 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxx0229 |  | XXXX | XXXX A D |
| xxxxx0170 |  | XXXX | XXXX C D A B |
| xxxxx0197 |  | XXXX | XXXX A D |
| xxxxx0042 |  | XXXX | XXXX D A |
| xxxxx0171 |  | XXXX | XXXX B D A |
| xxxxx0301 |  | XXXX | XXXX D A |
| xxxxx0266 |  | XXXX | XXXX D A |
| xxxxx0245 |  | XXXX | XXXX B D A |
| xxxxx2663 |  | XXXX | XXXX D A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxx0229 |  |  | Closed | 2024-12-04 23:52 | 2024-12-10 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD was not signed- Received Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Why are you asking for the initial CD when the other condition on the changed circumstances says it was reviewed? - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/04/2024 | Ready for Review-Why are you asking for the initial CD when the other condition on the changed circumstances says it was reviewed? - Seller-12/06/2024<br>| Resolved-Initial CD was not signed- Received Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2933623 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 08:02 | 2024-12-10 12:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received Revised LE, COC and Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase of Loan Discount Points from the Initial LE iao $9,801 to the initial CD iao $11,313 - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Received Revised LE, COC and Disclosure Tracking Summary - Due Diligence Vendor-12/10/2024<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 2892334 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-12-04 23:09 | 2024-12-10 12:14 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-12/04/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/10/2024<br>| xx EConsent.pdf |  |  | OR | Primary Residence | Purchase | NA | 2933351 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 05:31 | 2024-12-09 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document provided. - Due Diligence Vendor-12/09/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-The Deed of Trust is Missing Provide Deed of Trust/Mortgage - Due Diligence Vendor-11/27/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Deed of Trust document provided. - Due Diligence Vendor-12/09/2024<br>| Deed.pdf |  |  | OR | Primary Residence | Purchase | NA | 2891982 | N/A | N/A |
| XXXX | xxxxx0229 |  |  | Closed | 2024-11-27 08:02 | 2024-12-10 12:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guideline - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-11/27/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guideline - Due Diligence Vendor-12/10/2024 <br>Resolved-The loan's (8.968%) APR equals or exceeds the Federal HPML threshold of (8.09%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.59%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 242 reflects escrows. Rate lock date was entered correctly – see Pg#'s 412 An interior and exterior appraisal was completed for this property – see pg 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 481 and copy of the appraisal was given to the borrower – see Pg#'s 215. The loan meets HPML guidelines. - Due Diligence Vendor-11/27/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2892335 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-12 15:00 | 2024-12-12 15:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024 <br>Open-The loan's (9.287%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/12/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 430 and the Final Closing disclosure on page 302 reflects escrows. Rate lock date was entered correctly – see page 464. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 519 and copy of the appraisal was given to the borrower – see page 325. The loan meets HPML guidelines. - Due Diligence Vendor-12/12/2024<br>|  |  |  | CT | Primary Residence | Purchase | NA | 2990767 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-07 13:50 | 2024-12-12 15:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC and Disclosure Tracking Summary - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 2955651 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-12 15:00 | 2024-12-12 15:03 | Waived | 2 - Non-Material C B | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/12/2024 <br>Open-This is a Connecticut Nonprime Home Loan. The loan's (9.287%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (8.28%). The difference is (1.007). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%). (Conn. Gen. Stat. 36a-760(a)(7)) . - Due Diligence Vendor-12/12/2024 |  | Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/12/2024<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | CT | Primary Residence | Purchase | NA | 2990766 | Investor Post-Close | No |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-07 12:58 | 2024-12-12 14:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/12/2024 <br> Ready for Review-Document Uploaded. - Seller-12/10/2024 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX greater than Closing/Note date of XXXX. Provide HOI Policy with an effective date on or before XXXX - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/12/2024 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 2955594 | N/A | N/A |
| XXXX | xxxxx0170 |  |  | Closed | 2024-12-10 16:26 | 2024-12-12 14:43 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. - Seller-12/10/2024 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. - Seller-12/10/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/12/2024<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 2971877 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-10 18:13 | 2024-12-12 16:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/12/2024 <br>Ready for Review-Document Uploaded. Already uploaded. If this is about 20 cents, the LE rounds down, so it won't show the exact cents. - Seller-12/10/2024 <br>Open-we need the COC for the Initial CD which increased the discount points - Due Diligence Vendor-12/10/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. Already uploaded. If this is about 20 cents, the LE rounds down, so it won't show the exact cents. - Seller-12/10/2024<br>| Resolved- - Due Diligence Vendor-12/12/2024<br>| xx CC.pdf |  |  | TX | Primary Residence | Purchase | NA | 2973661 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-10 18:13 | 2024-12-12 16:21 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-12/12/2024 <br>Resolved-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _535__ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _554____ An interior and exterior appraisal was completed for this property – see pg 51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __49__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2024 <br>Open-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _261___ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _280____ An interior and exterior appraisal was completed for this property – see pg _16___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __41___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/10/2024 |  | Resolved-resolved - Due Diligence Vendor-12/12/2024 <br>Resolved-The loan's (9.072%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _535__ and the Final Closing disclosure on Pg#'s _130___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _554____ An interior and exterior appraisal was completed for this property – see pg 51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__Findings_ , and copy of the appraisal was given to the borrower – see Pg#'s __49__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2973662 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:19 | 2024-12-10 18:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the document was provided - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing. - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-the document was provided - Due Diligence Vendor-12/10/2024<br>| xx Tracking.pdf<br>xx CD.pdf |  |  | TX | Primary Residence | Purchase | NA | 2903841 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:20 | 2024-12-10 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-The initial LE was provided - Due Diligence Vendor-12/10/2024 <br>Open-LE initial is missing in file. - Due Diligence Vendor-12/02/2024 |  | Resolved-The initial LE was provided - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903842 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 04:23 | 2024-12-10 17:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The document was provided - Due Diligence Vendor-12/10/2024 <br>Open-The Initial 1003 is Missing Loan Originator sign is missing on Initial 1003 page no 729- 735 - Due Diligence Vendor-12/02/2024 |  | Resolved-The document was provided - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903668 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:17 | 2024-12-10 17:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/10/2024 <br>Open-Homeownership Counseling Disclosure Is Missing in file.<br> - Due Diligence Vendor-12/02/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903833 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:18 | 2024-12-10 17:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/10/2024 <br>Open-Home loan toolkit is missing in file.<br> - Due Diligence Vendor-12/02/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/10/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 2903839 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-02 06:20 | 2024-12-10 06:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed in file. - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-ITP Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| xx Disclosures.pdf |  |  | TX | Primary Residence | Purchase | NA | 2903843 | N/A | N/A |
| XXXX | xxxxx0197 |  |  | Closed | 2024-12-05 22:39 | 2024-12-10 06:24 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-SIgn Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-E-signature document missing - Due Diligence Vendor-12/05/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-SIgn Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| xx EConsent.pdf |  |  | TX | Primary Residence | Purchase | NA | 2944602 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:07 | 2024-12-16 13:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised CD's on XXXX, XXXX and XXXX - Due Diligence Vendor-12/16/2024 <br> Open-TRID: Missing Closing Disclosure Provide the Revised CD's on XXXX, XXXX and XXXX & related COC's - Due Diligence Vendor-12/10/2024 |  | Resolved-Received Revised CD's on XXXX, XXXX and XXXX - Due Diligence Vendor-12/16/2024 |  |  |  | WA | Primary Residence | Purchase | NA | 2968862 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:06 | 2024-12-16 13:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Revised LE's on XXXX, XXXX and XXXX and related COC's - Due Diligence Vendor-12/16/2024 <br> Ready for Review-Document Uploaded. - Seller-12/11/2024 <br> Open-Provide the Revised LE's on XXXX, XXXX and XXXX & related COC's - Due Diligence Vendor-12/10/2024 | Ready for Review-Document Uploaded. - Seller-12/11/2024<br>| Resolved-Received Revised LE's on XXXX, XXXX and XXXX and related COC's - Due Diligence Vendor-12/16/2024 | xx 10 17 CC.pdf<br>xx 10 18 CC.pdf<br>xx 10 25 CC.pdf<br>xx 11 15 CC.pdf<br>xx 11 4 CC.pdf<br>xx 11 6 CC.pdf |  |  | WA | Primary Residence | Purchase | NA | 2968856 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:04 | 2024-12-16 13:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-12/16/2024 <br>Open-Provide COC for the Loan Discount Points 1.61% that were added to the Initial CD iao $6697.60 - Due Diligence Vendor-12/10/2024 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/10/2024 |  | Resolved- - Due Diligence Vendor-12/16/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2968849 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-10 12:04 | 2024-12-16 13:03 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/10/2024 <br>Open-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-12/10/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 279 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 287. An interior and exterior appraisal was completed for this property – see page 18, the appraisal disclosure was provided to the borrower(s)- see Initial Disclosures in Findings page 64 and copy of the appraisal was given to the borrower – see page 164. The loan meets HPML guidelines. - Due Diligence Vendor-12/10/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2968850 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:20 | 2024-12-10 11:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Disclosure - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-12/10/2024<br>| xx CD.pdf<br>xx Tracking.pdf |  |  | WA | Primary Residence | Purchase | NA | 2882927 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 03:56 | 2024-12-10 11:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved- Initial 1003 received - Due Diligence Vendor-12/04/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/04/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-11/26/2024 |  | Resolved- Initial 1003 received - Due Diligence Vendor-12/04/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882765 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:33 | 2024-12-10 11:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/10/2024 <br> Resolved-Updated 1003 received - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-The Final 1003 is Incomplete The calculation validating the correct income is as follows. Gross Income $XXXX-Total Expenses $XXXX=Net Income $1XXXX4\*98% ownership=$XXXX/12= $XXXX Monthly Qualifying Income <br> Final 1003 and 1008 reflect $XXXX instead of $XXXX. It appears that the 4 and the 0 were inverted. <br> Provide updated 1003 - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-12/10/2024 <br>Resolved-Updated 1003 received - Due Diligence Vendor-12/10/2024<br>| xx 1008.pdf<br>xx 1003.pdf |  |  | WA | Primary Residence | Purchase | NA | 2909747 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:34 | 2024-12-10 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 <br> Resolved-Updated 1008 received - Due Diligence Vendor-12/10/2024 <br> Ready for Review-Document Uploaded. - Seller-12/06/2024 <br> Open-The 1008 document is missing from the loan file. The calculation validating the correct income is as follows. Gross Income $XXXX-Total Expenses $XXXX=Net Income $XXXX\*98% ownership=$XXXX/12= $XXXX Monthly Qualifying Income <br> Final 1003 reflect and 1008 $XXXX instead of $XXXX. It appears that the 4 and the 0 were inverted. <br> Provide updated 1008 - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/10/2024 <br>Resolved-Updated 1008 received - Due Diligence Vendor-12/10/2024<br>| xx 1008.pdf |  |  | WA | Primary Residence | Purchase | NA | 2909758 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-12-02 19:58 | 2024-12-10 06:24 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/10/2024 <br>Ready for Review-Document Uploaded. - Seller-12/06/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/02/2024 | Ready for Review-Document Uploaded. - Seller-12/06/2024<br>| Resolved-E-Sign Provided, Resolved. - Due Diligence Vendor-12/10/2024<br>| xx EConsent.pdf |  |  | WA | Primary Residence | Purchase | NA | 2910121 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:20 | 2024-12-04 13:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/04/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-11/26/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882928 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:24 | 2024-12-04 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/04/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/04/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-11/26/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/04/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882938 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:24 | 2024-12-04 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/04/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/04/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-11/26/2024 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/04/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/04/2024<br>|  |  |  | WA | Primary Residence | Purchase | NA | 2882936 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 05:22 | 2024-12-04 13:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. - Seller-12/03/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/03/2024<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/04/2024<br>| Initial Disclosures.pdf |  |  | WA | Primary Residence | Purchase | NA | 2882933 | N/A | N/A |
| XXXX | xxxxx0042 |  |  | Closed | 2024-11-26 04:29 | 2024-12-04 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-12/04/2024 <br>Resolved-Purchase Contract received - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. - Seller-12/03/2024 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-11/26/2024 | Ready for Review-Document Uploaded. - Seller-12/03/2024<br>| Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-12/04/2024 <br>Resolved-Purchase Contract received - Due Diligence Vendor-12/04/2024<br>| xx Contract.pdf |  |  | WA | Primary Residence | Purchase | NA | 2882820 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:10 | 2024-12-16 18:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed Disclosure. Required on Primary Residence and Second Homes, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>| Resolved-Intent to proceed provided - Due Diligence Vendor-12/16/2024<br>| xx Disc.pdf |  |  | NJ | Primary Residence | Purchase | NA | 2955407 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:13 | 2024-12-16 18:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-12/16/2024 <br>Ready for Review-initial CD provided - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>|  | xx CC.pdf<br>xx Tracking.pdf<br>xx CD.pdf |  |  | NJ | Primary Residence | Purchase | NA | 2955411 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _158___ and the Final Closing disclosure on Pg#'s _97___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _165____ An interior and exterior appraisal was completed for this property – see pg _43___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s _Findings____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2024 <br>Open-The loan's (10.048%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-12/16/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _158___ and the Final Closing disclosure on Pg#'s _97___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _165____ An interior and exterior appraisal was completed for this property – see pg _43___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s _Findings____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014241 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:11 | 2024-12-16 18:23 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-document was provided - Due Diligence Vendor-12/16/2024 <br>Open-Affiliated Business Arrangement Disclosure Missing, Required on Primary Residence and Second Homes. Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-document was provided - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955409 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:12 | 2024-12-16 18:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE provided - Due Diligence Vendor-12/16/2024 <br>Open-Initial LE is missing which is required to run Mavent, Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-LE provided - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955410 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 07:48 | 2024-12-16 18:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing, Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955289 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:15 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Loan Warehousing Fee (Fee ID: 120) | Resolved- - Due Diligence Vendor-12/16/2024 <br>Open-Loan Warehousing Fee (Fee ID: 120) is not allowed to be charged to the Borrower and paid to the Affiliate or Provider in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The New Jersey Mortgage Loans, Fees, Obligations Provisions allow this fee to be paid only to the lender. (N.J.A.C. 3:1-16.2(a). - Due Diligence Vendor-12/16/2024 |  | Resolved- - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014239 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-16 17:59 | 2024-12-16 18:02 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-resolved - Due Diligence Vendor-12/16/2024 <br>Open-The Last Loan Estimate was provided on (2024-10-23) which is on or after (2024-10-23), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) open - Due Diligence Vendor-12/16/2024 |  | Resolved-resolved - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3014240 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-07 09:11 | 2024-12-16 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open-Homeownership Counseling Disclosure & Your Home Loan Toolkit Missing Required on Primary Residence and Second Homes. Provide the same. - Due Diligence Vendor-12/07/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2955408 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-11 23:15 | 2024-12-16 17:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024 <br>Open- - Due Diligence Vendor-12/11/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/16/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 2987910 | N/A | N/A |
| XXXX | xxxxx0171 |  |  | Closed | 2024-12-11 23:14 | 2024-12-16 16:55 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-received the E-signature document - Due Diligence Vendor-12/16/2024 <br>Ready for Review-Document Uploaded. - Seller-12/12/2024 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/11/2024 | Ready for Review-Document Uploaded. - Seller-12/12/2024<br>| Resolved-received the E-signature document - Due Diligence Vendor-12/16/2024<br>| xx EConsent.pdf |  |  | NJ | Primary Residence | Purchase | NA | 2987903 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 07:58 | 2025-01-06 12:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025 <br> Ready for Review-Document Uploaded. - Seller-01/02/2025 <br> Counter-Received Initial CD and Disclosure Tracking Summary. Unable to open XXXX. Please reload - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-TRID: Missing Closing Disclosure Provide the executed/signed Initial CD and the Disclosure Tracking Summary - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025<br>| xx 11 18 CC.pdf<br>xx Tracking.pdf<br>xx 11 7 CC.pdf<br>xx CD.pdf<br>CC Nov 18.pdf |  |  | OR | Primary Residence | Purchase | NA | 2956637 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 20:24 | 2024-12-27 12:12 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/27/2024<br>| xx EConsent.pdf |  |  | OR | Primary Residence | Purchase | NA | 2995954 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:56 | 2024-12-27 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-The 1008 document is missing from the loan file. 1008 is present. Per Appraisal, Subject Property does not have the HOA amount; however. the 1008 reflects an HOA amount of $XXXX Provide updated 1008 that does not reflect HOA amount and has updated DTI & HTI values. Also, Final 1003 reflects Borrower 1 - Income #3 iao $80; however, XXXX- income calculated from from XXXX page 544 and XXXX page 540, Annual income is $XXXX/12 months= $XXXX. See Cash Analysis on pages 374 and 375. Provide update Final 1003 and 1008 with updated Income #3 iao $521.50. - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/27/2024<br>| xx 1003 and 1008.pdf |  |  | OR | Primary Residence | Purchase | NA | 2956677 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 21:03 | 2024-12-27 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. - Seller-12/26/2024 <br> Open-The Final 1003 is Incomplete Final 1003 reflects Borrower 1 - Income #3 iao $80; however, XXXX- income calculated from from XXXX page 544 and K1 page 540, Annual income is $XXXX/12 months= $XXXX. See Cash Analysis on pages 374 and 375. Provide update Final 1003 and 1008 - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-12/27/2024<br>| xx 1003 and 1008.pdf |  |  | OR | Primary Residence | Purchase | NA | 2996500 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:00 | 2024-12-27 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-12/08/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Required Document Provided, Changes made in system, finding Resolved - Due Diligence Vendor-12/27/2024 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/27/2024<br>| xx Lock.pdf |  |  | OR | Primary Residence | Purchase | NA | 2956641 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-12 21:33 | 2024-12-23 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/23/2024 <br> Resolved-The bwr (XXXX) owns this property via Private Lender which is zoned commercial but notes living space. Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Document Uploaded. The bwr owns this property which is zoned commercial but notes living space.<br> Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. <br> - Seller-12/19/2024 <br> Open-Housing History Does Not Meet Guideline Requirements Per UW Notes page 2 reflects Borrower currently on rent for 5 years 3 months and Final 1003 reflects that the borrower owns current residence. The Credit Report page 239 does not reflect a mortgage and Fraud Reports page 493 reflects that the primary residence is owned free and clear. Provide clarification, VOR or any other documentation to support primary residence - Due Diligence Vendor-12/12/2024 | Ready for Review-Document Uploaded. The bwr owns this property which is zoned commercial but notes living space.<br> Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. <br> - Seller-12/19/2024<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/23/2024 <br> Resolved-The bwr (XXXX) owns this property via Private Lender which is zoned commercial but notes living space. Their ID has this address as well so 1003 shows OWN but being commercial no VOM was required. - Due Diligence Vendor-12/23/2024 | xx 101.pdf<br> xx 1003 and 1008.pdf |  |  | OR | Primary Residence | Purchase | NA | 2996841 | N/A | N/A |
| XXXX | xxxxx0301 |  |  | Closed | 2024-12-08 08:02 | 2025-01-06 12:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg# Findings. An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#76. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br>Resolved-The loan's (9.125%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg#158 An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#448 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-12/08/2024 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg# Findings. An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#76. The loan meets HPML guidelines. - Due Diligence Vendor-01/06/2025 <br>Resolved-The loan's (9.125%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#381 and the Final Closing disclosure on Pg#177 reflects escrows. Rate lock date was entered correctly see Pg#158 An interior and exterior appraisal was completed for this property – see Page#35-74 the appraisal disclosure was provided to the borrower(s)- see Pg#448, and copy of the appraisal was given to the borrower see Pg#448 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-12/08/2024<br>|  |  |  | OR | Primary Residence | Purchase | NA | 2956644 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:54 | 2024-12-18 23:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-ID Provided, Resolved. - Due Diligence Vendor-12/18/2024 <br>Ready for Review-Document Uploaded. - Seller-12/16/2024 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. B1- provided Identification document Expired in file, Provide Updated ID - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. - Seller-12/16/2024<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-12/18/2024 <br>Resolved-ID Provided, Resolved. - Due Diligence Vendor-12/18/2024<br>| xx IDs.pdf |  |  | CA | Primary Residence | Purchase | NA | 2998950 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:45 | 2024-12-13 07:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.623%) equals or exceeds the California HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.623%) equals or exceeds the California HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2998930 | N/A | N/A |
| XXXX | xxxxx0266 |  |  | Closed | 2024-12-13 07:45 | 2024-12-13 07:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.623%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024 |  | Resolved-The loan's (8.623%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 850-851 and the Final Closing disclosure on Pg#'s 560-565 reflects escrows. Rate lock date was entered correctly – see Pg#'s 879-890 An interior and exterior appraisal was completed for this property – see pg 47 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 877 and copy of the appraisal was given to the borrower – see Pg#'s 34 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/13/2024<br>|  |  |  | CA | Primary Residence | Purchase | NA | 2998931 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:00 | 2024-12-27 19:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-Intent to Proceed received - Due Diligence Vendor-12/27/2024<br>| xx Disc.pdf |  |  | AZ | Primary Residence | Purchase | NA | 3020298 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 12:52 | 2024-12-27 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Initial LE - Due Diligence Vendor-12/17/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020240 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 09:52 | 2024-12-27 19:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024 <br>Resolved-Initial 1003 received - Due Diligence Vendor-12/27/2024 <br>Open-The Initial 1003 is Missing Provide fully executed Initial 1003.<br> - Due Diligence Vendor-12/17/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/27/2024 <br>Resolved-Initial 1003 received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3019676 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:03 | 2024-12-27 19:39 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/17/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020314 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 12:57 | 2024-12-27 19:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/17/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020264 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-17 13:00 | 2024-12-27 19:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved- Homeownership Counseling Disclosure received - Due Diligence Vendor-12/27/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/17/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/27/2024 <br>Resolved- Homeownership Counseling Disclosure received - Due Diligence Vendor-12/27/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3020296 | N/A | N/A |
| XXXX | xxxxx0245 |  |  | Closed | 2024-12-19 12:30 | 2024-12-27 19:35 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form Received - Due Diligence Vendor-12/27/2024 <br>Ready for Review-Document Uploaded. - Seller-12/26/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-12/26/2024<br>| Resolved-E-Sign Consent Form Received - Due Diligence Vendor-12/27/2024<br>| xx EConsent.pdf |  |  | AZ | Primary Residence | Purchase | NA | 3041516 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-08 11:46 | 2025-05-08 11:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 384 and the Final Closing disclosure on page 204 reflects escrows. Rate lock date was entered correctly in Findings. An interior and exterior appraisal was completed for this property – see page 33, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 163. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025 <br>Open-The loan's (9.262%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 384 and the Final Closing disclosure on page 204 reflects escrows. Rate lock date was entered correctly in Findings. An interior and exterior appraisal was completed for this property – see page 33, the appraisal disclosure was provided to the borrower(s)- see page 507 and copy of the appraisal was given to the borrower – see page 163. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4079356 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-02 16:33 | 2025-05-08 11:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Revised LE, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025<br>| xx 3 18 CC.pdf<br>xx 3 3 CC.pdf<br>xx Tracking.pdf<br>xx CD.pdf<br>xx CC.pdf<br>xx 3 30 CC.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4029226 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-07 16:23 | 2025-05-08 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Tax Preparer Attestation received - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Provide Tax Preparer Attestation - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Tax Preparer Attestation received - Due Diligence Vendor-05/08/2025<br>| Attestation.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4070760 | N/A | N/A |
| XXXX | xxxxx2663 |  |  | Closed | 2025-05-07 16:10 | 2025-05-08 11:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/08/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Evidence of Rate Lock Missing Provide confirmation of rate lock - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-05/08/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025<br>| xx Lock.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4070597 | N/A | N/A |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxx0229 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1.6 | XXXX |
| xxxxx0170 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1 | XXXX |
| xxxxx0197 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 5 | XXXX |
| xxxxx0042 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1.2 | XXXX |
| xxxxx0171 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1 | XXXX |
| xxxxx0301 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1.1 | XXXX |
| xxxxx0266 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1 | XXXX |
| xxxxx0245 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1 | XXXX |
| xxxxx2663 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | 1.5 | XXXX |

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