# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-007981
**Filing Date:** 2026-4
**Character Count:** 2555945
**Document Hash:** 129f17bd15f92642ebfe9196ad3ea6d9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-007981.hdr.sgml**: 20260409

**ACCESSION NUMBER**: 0001999371-26-007981

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

**PUBLIC DOCUMENT COUNT**: 48

**CONFORMED PERIOD OF REPORT**: 20260409

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

**FILED AS OF DATE**: 20260409

**DATE AS OF CHANGE**: 20260409

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26851427

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>j.p. morgan acceptance corporation ii</u>**

Check the appropriate box to indicate the filing obligation 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 earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-NQM2</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Inglet Blair Data Compare |
| [99.23](ex99-23.htm) | Inglet Blair Exception Report |
| [99.24](ex99-24.htm) | Inglet Blair Rating Agency Grades |
| [99.25](ex99-25.htm) | Inglet Blair Valuation Summary |
| [99.26](ex99-26.htm) | Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative |
| [99.27](ex99-27.htm) | Opus Data Compare |
| [99.28](ex99-28.htm) | Opus Exception Report |
| [99.29](ex99-29.htm) | Opus Rating Agency Grades |
| [99.30](ex99-30.htm) | Opus Valuation Summary |
| [99.31](ex99-31.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.32](ex99-32.htm) | Selene Data Compare Report |
| [99.33](ex99-33.htm) | Selene Standard Findings Report |
| [99.34](ex99-34.htm) | Selene Rating Agency Grades Summary Report |
| [99.35](ex99-35.htm) | Selene Valuation Report |

---

**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.

j.p. morgan acceptance corporation ii

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Depositor)

Date: April 9, 2026

<u>/s/ Michael Brown</u>

Name: Michael Brown

Title: Chief Executive Officer (Senior Officer in charge of securitization)

## Exhibit 99.1

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES <br> FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third party due diligence services** 

Legal Name: <u> AMC Diligence, LLC</u>

Business Name (if Different):  

Principal Business Address: <u> 150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

**Item 2: Identity of the person who paid the person to provide due diligence services** 

Legal Name: <u> JPMorgan Chase Bank, National Association</u>

Business Name (if Different):  

Principal Business Address: <u> 270 Park Avenue, 4<sup>th</sup> Floor, New York, NY 10017</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u> AMC Diligence, LLC</u>

---

| | |
|:---|:---|
| By: | &nbsp;&nbsp;&nbsp;&nbsp;Tim Van Houtte |
| Signature: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;/s/ Tim Van Houtte |
| Date: | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;April 7, 2026 |

---

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

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from July 2025 to March 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between May 2025 and February 2026.

**(2) Sample size of the assets reviewed.**

The Review was conducted on two hundred twenty-three (223) loans selected by the Client. Subsequent to review, the Client reduced the population to two hundred nineteen (219) mortgage loans with an aggregate original principal balance of approximately $86.584 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty Period (months) |  |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Product Description |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Type |  |

---

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)") 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 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.

**<u>CREDIT REVIEW (70 Mortgage Loans)</u>**

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

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

**Asset Review:** 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 debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**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

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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 verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**<u>LEASES REVIEW (149 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines were assessed during the review. An income calculation was not performed though the presence of income documentation if required by the guidelines was noted.

**Credit Application:** For the Credit Application, AMC verified whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC verified (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

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**Property income:** AMC determined whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios were calculated but instead a "Property DTI/DSCR" was calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

**Valuation Review:** 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) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) 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) reviewed 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) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines is present in the file. AMC verified that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed 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.

**(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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material

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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 appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to 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 and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside

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counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

**<u>COMPLIANCE REVIEW (70 Mortgage Loans)</u>**

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(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) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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

ii) proper execution by all required parties;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

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

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

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;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;

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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):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

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

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

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

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

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

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

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

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

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| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan |

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amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors.

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

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

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

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may

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consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

**<u>LEASES LIMITED COMPLIANCE REVIEW (10 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, 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

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not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred nineteen (219) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, thirty-three (33) (15.07%) loans had an overall loan grade of "B". Seven (7) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***18*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**18** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***32*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**32** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**50** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the eighty (80) loans that had a compliance review performed, under the applicable NRSRO grading criteria, sixteen (16) had a Compliance Review "B" grade. Two (2) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred nineteen (219) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;219 | &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% |

---

**CREDIT REVIEW RESULTS SUMMARY**

One hundred ninety-five (195) mortgage loans (89.04%) of the total received an "A" Credit Review grade. The twenty-four (24) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;195 | &nbsp;&nbsp;89.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;10.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred nineteen (219) mortgage loans reviewed, there were 528 tape discrepancies across thirty-two (32) unique data fields. The most common tape discrepancies were Borrower Last Name (52.05%), Borrower First Name (32.88%), and Contract Sales Price (32.42%).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;114 | &nbsp;&nbsp;52.05% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;72 | &nbsp;&nbsp;32.88% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;71 | &nbsp;&nbsp;32.42% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.87% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;24 | &nbsp;&nbsp;10.96% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.05% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.85% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;14 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.94% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.11% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.11% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.65% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.74% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.28% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;149 | &nbsp;&nbsp;68.04% | &nbsp;&nbsp;$41874483.00 | &nbsp;&nbsp;48.36% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;56 | &nbsp;&nbsp;25.57% | &nbsp;&nbsp;$28582790.00 | &nbsp;&nbsp;33.01% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.11% | &nbsp;&nbsp;$11354993.00 | &nbsp;&nbsp;13.11% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;$3853250.00 | &nbsp;&nbsp;4.45% |
| &nbsp;&nbsp;Exempt from ATR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$918400.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;204 | &nbsp;&nbsp;93.15% | &nbsp;&nbsp;$69111273.00 | &nbsp;&nbsp;79.82% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.85% | &nbsp;&nbsp;$17472643.00 | &nbsp;&nbsp;20.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;219 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$86583916.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;116 | &nbsp;&nbsp;52.97% | &nbsp;&nbsp;$35058646.00 | &nbsp;&nbsp;40.49% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;50 | &nbsp;&nbsp;22.83% | &nbsp;&nbsp;$28490943.00 | &nbsp;&nbsp;32.91% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;40 | &nbsp;&nbsp;18.26% | &nbsp;&nbsp;$16175632.00 | &nbsp;&nbsp;18.68% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.94% | &nbsp;&nbsp;$6858695.00 | &nbsp;&nbsp;7.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;219 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$86583916.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;116 | &nbsp;&nbsp;52.97% | &nbsp;&nbsp;$40152710.00 | &nbsp;&nbsp;46.37% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;34 | &nbsp;&nbsp;15.53% | &nbsp;&nbsp;$21783713.00 | &nbsp;&nbsp;25.16% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;24 | &nbsp;&nbsp;10.96% | &nbsp;&nbsp;$7564725.00 | &nbsp;&nbsp;8.74% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;19 | &nbsp;&nbsp;8.68% | &nbsp;&nbsp;$3562251.00 | &nbsp;&nbsp;4.11% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.11% | &nbsp;&nbsp;$3096500.00 | &nbsp;&nbsp;3.58% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.20% | &nbsp;&nbsp;$3747900.00 | &nbsp;&nbsp;4.33% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.28% | &nbsp;&nbsp;$2518875.00 | &nbsp;&nbsp;2.91% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$3010500.00 | &nbsp;&nbsp;3.48% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.91% | &nbsp;&nbsp;$867000.00 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$279742.00 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;155 | &nbsp;&nbsp;70.78% | &nbsp;&nbsp;$46864483.00 | &nbsp;&nbsp;54.13% |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;59 | &nbsp;&nbsp;26.94% | &nbsp;&nbsp;$36076233.00 | &nbsp;&nbsp;41.67% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.28% | &nbsp;&nbsp;$3643200.00 | &nbsp;&nbsp;4.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**219** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$86583916.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty 2009 Investment Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower does not have the minimum active tradelines per guidelines. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Income Docs Missing: | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Third Party Verification not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;HOA project is involved in litigation. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

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## Exhibit 99.2

**Exhibit 99.2**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | |
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| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304698153 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304698153 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304698153 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304698153 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304698153 | Original CLTV | 74.17 | 71.2 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304698153 | Original LTV | 74.17 | 71.2 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304698153 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304823122 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304823122 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304874011 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304847552 | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846524 | Investor: Qualifying Total Debt Ratio | 37.751 | 40.87416 | Verified | Citicard shows a larger monthly payment than what was used by the lender. |
| 304823394 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840520 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840520 | Prepayment Penalty Period (months) |  | 12 | Verified | The Bid Tape Field Value was not provided |
| 304840519 | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304840519 | Subject Debt Service Coverage Ratio | 2.81 | 2.79 | Verified | DSCR = Monthly income / PITIA = 2.787 = xxxx/xxxx |
| 304840533 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894077 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866561 | Contract Sales Price | xxxx | xxxx | Verified | Refinance transaction. |
| 304868735 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868735 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868735 | Contract Sales Price | xxxx | xxxx | Verified | Refinance Transaction. |
| 304868736 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868736 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865982 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304865982 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304865982 | Contract Sales Price | xxxx | xxxx | Verified | n/a - refinance |
| 304865982 | Subject Debt Service Coverage Ratio | 1.03 | 1.44 | Verified | Lender used rental income from only Units 1 and 2 for DSCR calculations. Lender Exception in file reflecting Unit 3 is only 250 sq ft and was not used in calculation. |
| 304866274 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866274 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304894182 | Subject Debt Service Coverage Ratio | 1.11 | 1.25 | Verified | DSCR = Gross Rent/PITIA = xxxx/xxxx = 1.2474 |
| 304902688 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304902688 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 304902378 | Origination Channel | Correspondent | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| 304902378 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 304872130 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304872130 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304872130 | Representative FICO | 789 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304872130 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 305034497 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034497 | Subject Debt Service Coverage Ratio | 1.33 | 1.31 | Verified | Field value reflects source document |
| 305034463 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034463 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034463 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034463 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305034463 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305034463 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305034463 | Original CLTV | 52.67 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305034463 | Original LTV | 52.67 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305034463 | Subject Debt Service Coverage Ratio | 1.22 | 1.24 | Verified | Field value reflects source document |
| 305034464 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034464 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034464 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034464 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305034464 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305034464 | Subject Debt Service Coverage Ratio | 1.22 | 1.24 | Verified | Field value reflects source document |
| 305034465 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034465 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034465 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305034465 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034465 | Original CLTV | 50.996 | 55.15936 | Verified | Loan amount updated as per Note Document |
| 305034465 | Original LTV | 50.996 | 55.15936 | Verified | Loan amount updated as per Note Document |
| 305043802 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305030676 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030676 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305030676 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043861 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043861 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043861 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043861 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043861 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043861 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305043861 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030656 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030656 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034443 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034443 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034443 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305034443 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043849 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305043849 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043849 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043807 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043807 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043807 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043805 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043805 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043805 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030663 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030663 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305030663 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305030663 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305030663 | Original CLTV | 80 | 78.21429 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| 305030663 | Original LTV | 80 | 78.21429 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 305034467 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034467 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034467 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030670 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030670 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030670 | Representative FICO | 734 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305030670 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043858 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043858 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043858 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043858 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043858 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043858 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043858 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305043822 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043822 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043822 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043816 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043816 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043816 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043816 | Representative FICO | 754 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043816 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030654 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030654 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030654 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034468 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034468 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034468 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043870 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043870 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043870 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030655 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030655 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030655 | Representative FICO | 669 | 694 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305030655 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030655 | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030655 | Original LTV | 70 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305030664 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030664 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030664 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305030664 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305030664 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030664 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305030664 | Original CLTV | 80 | 78.83721 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030664 | Original LTV | 80 | 78.83721 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305034450 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034450 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030679 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030679 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043864 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043852 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043831 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043831 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043831 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043831 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043831 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305043831 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043831 | Original CLTV | 68.478 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305043831 | Original LTV | 68.478 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305030650 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030650 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034440 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034440 | Representative FICO | 703 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034444 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034444 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034444 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043890 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043890 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043850 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043850 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030651 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030651 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030651 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305030651 | Original CLTV | 75 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030651 | Original LTV | 75 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305034447 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034447 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043814 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043814 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030658 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030658 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030658 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030667 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030667 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030671 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030671 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305030671 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305030671 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305030671 | Original CLTV | 80 | 69.0411 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030671 | Original LTV | 80 | 69.0411 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305043846 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043846 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043836 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043821 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030660 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030660 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030660 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305043840 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305043840 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043840 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043840 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043830 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043830 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043830 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030677 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030677 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030677 | Representative FICO | 768 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043863 | Representative FICO | 714 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043863 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043863 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030661 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034458 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034458 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034458 | Representative FICO | 775 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034458 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043855 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043855 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043855 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043855 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043835 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043835 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043835 | Representative FICO | 774 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043835 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043824 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305030653 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030653 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030653 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030653 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305030662 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030662 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030662 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030662 | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305030662 | Original LTV | 70 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305030683 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030683 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030683 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305030683 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030683 | Original CLTV | 62.33 | 74.05844 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305030683 | Original LTV | 62.33 | 74.05844 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305043834 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043834 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043818 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043818 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043818 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043818 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043818 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043818 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305043818 | Original CLTV | 64.776 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305043818 | Original LTV | 64.776 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305043832 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043832 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043832 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043832 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043832 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043832 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043832 | Representative FICO | 765 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043832 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043832 | Original CLTV | 75 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305043832 | Original LTV | 75 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305043812 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043812 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043812 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043812 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043812 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305043812 | Original CLTV | 78.365 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305043812 | Original LTV | 78.365 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305055855 | Investor: Qualifying Total Debt Ratio | 31.202 | 27.04317 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304911604 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304911604 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304911604 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304911604 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054709 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054709 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054799 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054799 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054799 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054788 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054788 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054788 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054788 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054770 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054770 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054770 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054770 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054740 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054740 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054726 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054726 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305024296 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305024296 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305024296 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054749 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054797 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054797 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054797 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054725 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054725 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054725 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054725 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305024302 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305024302 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305024302 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305024302 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 305054711 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054711 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054711 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054711 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054711 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054711 | Original CLTV | 75 | 78.8961 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054711 | Original LTV | 75 | 78.8961 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305029081 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029081 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029081 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054793 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054793 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054728 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054728 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054728 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054728 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305050291 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305050291 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305050291 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054798 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054798 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054798 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054798 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054798 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054784 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054784 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054784 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054735 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054735 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054716 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054716 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054716 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054716 | Original CLTV | 70 | 68.375 | Verified | Field value matched with 1008 |
| 305054716 | Original LTV | 70 | 68.375 | Verified | Field value matched with 1008 |
| 305054794 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054794 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054794 | Representative FICO | 682 | 663 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054794 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 305054786 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054786 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054786 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305029083 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029083 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029083 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 305054800 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054718 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054699 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054699 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054699 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054699 | Original CLTV | 75 | 73 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054699 | Original LTV | 75 | 73 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054795 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054795 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054795 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054795 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054796 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054796 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054787 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054787 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054787 | Representative FICO | 706 | 687 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054787 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305054787 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305054743 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054743 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054743 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054721 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054721 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054720 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894095 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304894095 | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 305038534 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305038534 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305030918 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304838855 | Original CLTV | 22.5 | 21.47727 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304838855 | Original LTV | 22.5 | 21.47727 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304838855 | Decision System | DU |  | Verified | Field value reflects source document |
| 305034516 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305034516 | Interest Rate Life Floor | 6.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 305034515 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305034515 | Interest Rate Life Floor | 6.625 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 305043884 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043873 | Subject Debt Service Coverage Ratio | 2.11 | 2.10 | Verified | Rounding |
| 305054319 | Representative FICO | 679 | 681 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305053693 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305053693 | Coborrower First Name | xxxx | xxxx | Verified | Single borrower only |
| 305053693 | Coborrower Last Name | xxxx | xxxx | Verified | Single borrower only |
| 305053597 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305039612 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305056359 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305056359 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305056359 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060479 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060479 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060479 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060936 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060938 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060938 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060938 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060938 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060481 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060481 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060481 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060935 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060508 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060536 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060503 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060503 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060503 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060937 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060937 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060464 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060464 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060464 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060572 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060572 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305060570 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305056850 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305056826 | Original CLTV | 70 | 64.44444 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305056826 | Original LTV | 70 | 64.44444 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305051440 | Original Interest Rate | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305057702 | Coborrower First Name | xxxx | xxxx | Verified | No co-borrower on Note. |
| 305053580 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305053580 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305059701 | Investor: Qualifying Total Debt Ratio | 10.989 | 16.56373 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305053751 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305037768 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037768 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037768 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305037768 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037768 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037768 | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037768 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037675 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037675 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037675 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037675 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037733 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037733 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305037733 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037733 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037733 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037630 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037630 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305037630 | Borrower Current State | TX | GA | Verified | Field Value reflects State per Note |
| 305037630 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037630 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037630 | Original CLTV |  | 55.36915 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037630 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305050339 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305050339 | Interest Rate Life Floor | 7 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 305050338 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305050338 | Interest Rate Life Floor | 6.625 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 305060498 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305047906 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305047906 | Investor: Qualifying Total Debt Ratio | 20.939 | 26.96154 | Verified | Per 1008 DTI is 26.106% and calculated DTI is 26.962% due to the credit of $xxxx vs 1008 of $xxxx and HOA of $xxxx vs 1003 of $xxxx. |
| 305034658 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value is blank. |
| 305034658 | Investor: Qualifying Total Debt Ratio | 30.5708 | 39.63346 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305034658 | Decision System |  |  | Verified | Bid Tape Field Value is blank. |
| 305049916 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305049916 | Investor: Qualifying Total Debt Ratio | 34.3918 | 26.99673 | Verified | Per 1008 DTI is 26.997% and calculated DTI is 26.997%. |
| 305036247 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305036247 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305045948 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305045948 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305045948 | Investor: Qualifying Total Debt Ratio | 29.3389 | 36.69034 | Verified | Lender considered First mortgage P&I of $xxxx vs calculated P&I as $xxxx causing DTI variance of 2.7%. |
| 305045283 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305045283 | Decision System | DU |  | Verified | Field value reflects source document |
| 305042624 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305042624 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305042624 | Decision System |  |  | Verified | Field value reflects source document |
| 305044631 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305044631 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305044631 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305044631 | Decision System |  |  | Verified | Field value reflects source document |
| 305052372 | Decision System | DU |  | Verified | Field value reflects source document |
| 305044569 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305044569 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305044569 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305044569 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304871620 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304871620 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304871620 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 305053672 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305043941 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043941 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043941 | Representative FICO | 796 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043941 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305043942 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043942 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043942 | Representative FICO | 796 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043942 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305056503 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305056503 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305056503 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 305051095 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305051095 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305051095 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304910354 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304910354 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037574 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037574 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305037574 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037574 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037574 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037574 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037767 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037767 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037767 | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305037767 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305037615 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037615 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305037615 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037615 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 305050537 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305050537 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305050537 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305050537 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305050511 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305050511 | Borrower Current City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305050511 | Borrower Current Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305050511 | Product Description | xxxx | xxxx | Verified | Alternate format, not a true discrepancy |
| 305037685 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305037685 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305037685 | Borrower Current Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305037685 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 305037685 | Product Description | xxxx | xxxx | Verified | Field value reflects source document |
| 304868724 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868724 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304866324 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304866324 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |

---

## Exhibit 99.3

**Exhibit 99.3**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304757920 | 34373584 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304757920 | 34373616 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304767201 | 34514793 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/03/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304767201 | 34514794 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject property square footage xxxx is less than guideline required 500. Comparable factors are FICO 741 and assets to be documents with 12 months reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304768645 | 34577259 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304768645 | 34577262 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $605.00. $190.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 2 C B |  | IA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304768645 | 34577269 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been self-employed for 25 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/03/2025 | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304823122 | 34683062 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304822772 | 34729785 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,651.70 exceeds tolerance of $69.65. $1,582.05 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304822772 | 34729786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $78.00. $16.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304822772 | 34729787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,495.75 exceeds tolerance of $4,961.00. $534.75 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304822772 | 34889046 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,495.75 exceeds tolerance of $5,473.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/04/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304767206 | 34735857 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested for property appraisal report expires on xx/xx/xxxx. Approved 10-day extension with new expiry date xx/xx/xxxx. Loan must be closed by xx/xx/xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 304874011 | 34784920 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Borrower has been with current employer for 11 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/13/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304874011 | 34784996 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304874011 | 34784997 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304847552 | 35016815 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 01/06/2026 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304847552 | 35016817 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $546.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304847552 | 35016820 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/06/2026 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846524 | 35014166 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304846524 | 35014394 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-13,250.74 exceeds tolerance of $-14,063.99. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/23/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304846524 | 35014396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $895.00 exceeds tolerance of $0.00. $895.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304844831 | 35107497 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844831 | 35107499 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for xxxx condo building greater than 4 units is more than 25 years old. Compensating factors were cited as 772 FICO and DSCR 1.02%. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 08/22/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844831 | 35107500 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | xxxx |  |  | 08/22/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304823394 | 35264886 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 A |  | NY | Investment | Purchase | A |  | N/A | Yes |
| 304840520 | 35270791 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304840520 | 35270792 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304840519 | 35270794 |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304840519 | 35270795 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304840519 | 35270796 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304897241 | 35270810 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304866561 | 35292228 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 9.22895% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 30.20<br> Guideline Requirement: 3.00<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $xxxx | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 10/24/2025 | 2 B |  | WA | Primary | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| 304866561 | 35292231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $430.00 exceeds tolerance of $354.00 plus 10% or $389.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/23/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 304868735 | 35292344 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304865982 | 35292373 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception at originations to allow more than $10,000,000 aggregate with a maximum of 10 loans for each individual borrower and to allow units with less than 400 sq feet per individual unit for 2-8 unit properties. Unit xxxx has only xxxx sq ft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 347.34<br> Guideline Requirement: 0.00 | Originator Pre-Close,SitusAMC | xxxx |  |  | 10/23/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304894182 | 35314933 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | xxxx |  |  |  | xxxx | 12/09/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304872130 | 35583786 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304872130 | 35583787 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 B A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304872130 | 35583788 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | xxxx | 11/03/2025 |  |  | 1 B A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304872130 | 35583790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $600.00 exceeds tolerance of $540.00 plus 10% or $594.00. $6.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/02/2025 |  | 2 C B |  | VT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304872130 | 35583791 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304872130 | 35583792 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 D A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304872130 | 35583793 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 A |  | VT | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 305042649 | 35812257 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 305042649 | 35812301 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 31.56235% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/13/2026 | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 305034443 | 35822635 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 02/21/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305030663 | 35831033 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 02/21/2026 |  |  | 1 C A |  | KS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305030677 | 35822270 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 D A |  | AL | Investment | Purchase | D B C A |  | N/A | No |
| 305030677 | 35843616 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 251.41 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/05/2026 | 2 C B |  | AL | Investment | Purchase | D B C A |  | N/A | No |
| 305055856 | 35821011 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,463.14 exceeds tolerance of $2,429.00 plus 10% or $2,671.90. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/16/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305055855 | 35838091 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2025). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305024296 | 35855530 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower has owned the subject for 6 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/05/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305024296 | 35857359 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower has owned the subject for 6 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/05/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305024302 | 35859132 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years. | 15.55 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/05/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054794 | 35855793 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 68.98 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/05/2026 | 2 C B |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304908614 | 35856698 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305052635 | 35861625 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305052635 | 35861630 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305030933 | 35856165 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305030933 | 35856166 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $190.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305038534 | 35857735 |  | 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. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305038534 | 35857906 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,253.15 exceeds tolerance of $3,813.00. $440.15 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/27/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305038534 | 35932129 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,253.15 exceeds tolerance of $3,813.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/27/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305051382 | 35865222 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $157.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/23/2026 |  | 1 A |  | NV | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304838855 | 35861236 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/17/2025 |  | 2 C B |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304838855 | 35861238 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304838855 | 35861239 |  | Credit | Modification | Loss Mitigation Document Check | Modification | Missing Document: Missing extension or deferment agreement. |  | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 305034516 | 35862520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034516 | 35862522 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034515 | 35862523 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034515 | 35862527 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043884 | 35862533 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's Experience/Track Record | Debt Service Coverage Ratio: 1.61<br> Guideline Requirement: 1.00<br>Borrower's Experience/Track Record. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 01/30/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305043884 | 35862534 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.61<br> Guideline Requirement: 1.00 | Originator,SitusAMC | xxxx |  |  | 11/10/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305031306 | 35892195 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305054319 | 35891829 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 02/27/2026 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Non QM | Non QM | No |
| 305054319 | 35891836 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 02/27/2026 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Non QM | Non QM | No |
| 305054319 | 35891878 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $219.00 exceeds tolerance of $199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305053693 | 35916970 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305050346 | 35916659 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,304.00 exceeds tolerance of $2,300.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/25/2026 |  | 1 A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305042291 | 35927078 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/26/2026 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305042291 | 35927081 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | MI | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 305056359 | 35924496 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $130.00 exceeds tolerance of $55.00 plus 10% or $60.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/26/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305054932 | 35934333 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305056826 | 35945135 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $173.57 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/02/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305057515 | 35945517 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | 775 credit score, minimum required is 680. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/02/2026 | 2 B |  | FL | Investment | Purchase | B A | N/A | N/A | No |
| 305051440 | 35945015 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305051440 | 35945018 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $505.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/02/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305051440 | 35945019 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,303.50 exceeds tolerance of $1,293.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/02/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305057702 | 35954261 |  | 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. | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305057702 | 35954280 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305046117 | 35954264 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $605.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/03/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305059701 | 35967164 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305037768 | 35975924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Fraud Prevention Service. Fee Amount of $32.50 exceeds tolerance of $0.00. $32.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 01/16/2026 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305037768 | 35975927 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2026 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305037768 | 35975928 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 01/30/2026 |  |  | 1 A |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305037768 | 35975929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.12475% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2026 | 2 B |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305037733 | 35975935 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 02/02/2026 |  |  | 1 C A |  | OK | Primary | Purchase | C A B | Non QM | Non QM | No |
| 305037733 | 35975937 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 01/29/2026 |  |  | 1 B A |  | OK | Primary | Purchase | C A B | Non QM | Non QM | No |
| 305050339 | 35998856 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305050339 | 35998858 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305050338 | 35998859 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305050338 | 35998863 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844407 | 35998864 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 12/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844407 | 35998866 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844407 | 35998867 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | xxxx | 01/22/2026 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304899027 | 35998869 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847747 | 35998871 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304847747 | 35998872 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305047906 | 36067395 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 02/05/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305047906 | 36067398 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Occupancy discrepancy. |  | xxxx |  |  |  | xxxx | 01/29/2026 |  |  | 1 A |  | NC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 305034658 | 36067404 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305034658 | 36067405 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305034658 | 36067406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305034658 | 36067407 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305034658 | 36067408 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/12/2026 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305049916 | 36067417 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 758 vs 660 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/20/2026 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305049916 | 36067418 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following:<br>o Evidence of current work (executed contracts or signed invoices)<br> o Evidence of current business receipts<br> o Business website demonstrating activity supporting current business<br> operations.<br>Document provided is > 10 business das prior to closing.<br> Compliance related | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 758 vs 660 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/20/2026 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305049916 | 36067419 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305049916 | 36067420 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305036247 | 36067429 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305045948 | 36067435 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305045948 | 36067437 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/06/2026 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305045948 | 36067440 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305045948 | 36067441 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305045948 | 36067442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305045948 | 36067443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305045283 | 36067448 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/13/2026 |  |  | 1 B A |  | NC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305042624 | 36067452 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___<br> ___ | Third party verification missing for below requirement as per guideline<br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliancet related | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 36 vs 6 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/20/2026 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305042624 | 36067454 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/13/2026 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305042624 | 36067458 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,370.00 exceeds tolerance of $7,905.00. $465.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305042624 | 36067459 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 36 vs 6 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/20/2026 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305042624 | 36067460 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 36 vs 6 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/20/2026 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305042624 | 36067461 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 02/20/2026 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305042624 | 36067462 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305047904 | 36067464 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | xxxx purchase is required with one of the following.<br> 1 . Evidence of current work (executed contracts or signed invoices)<br> 2 . Evidence of current business receipts<br> 3 . Business website demonstrating activity supporting current business operations.<br>Within 10 business days of closing |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305047904 | 36067467 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 02/18/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305047904 | 36067470 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305047904 | 36067471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305047904 | 36067472 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305044631 | 36067499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $105.00 exceeds tolerance of $69.00 plus 10% or $75.90. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/16/2026 |  | 1 A |  | WY | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | N/A | Non QM | Yes |
| 305047119 | 36067504 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 305052372 | 36067506 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305044569 | 36067512 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 02/17/2026 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304871620 | 36067517 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304871620 | 36067518 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty 2009 Investment Test | Maryland SB270: Alternate prepayment penalty testing methodology utilized under §12-105(c)(4) allowing prepays over prescribed limits to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by SitusAMC outside counsel given the ambiguity in the state law. | xxxx |  |  |  | xxxx |  |  | 02/12/2026 | 2 B |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304871620 | 36067520 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 02/17/2026 | 2 C B |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305053672 | 36067523 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A D |  | CA | Investment | Purchase | D A |  | N/A | No |
| 305053672 | 36067525 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 305043941 | 36067527 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043941 | 36067528 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043942 | 36067530 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | xxxx |  |  |  | xxxx | 02/27/2026 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305052052 | 36067531 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305052052 | 36067533 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305052052 | 36067534 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305037615 | 36164574 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 02/12/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 305037615 | 36164577 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | xxxx |  | 02/12/2026 |  | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 305050537 | 36164583 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 B A |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 305050537 | 36164585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/10/2026 |  |  | 1 B A |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 305050537 | 36164586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,077.50 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/04/2026 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305050537 | 36164588 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | xxxx | 02/10/2026 |  |  | 1 A |  | OH | Primary | Purchase | B A | Non QM | Non QM | No |
| 305050511 | 36164590 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $89.97 exceeds tolerance of $89.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/12/2026 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305050511 | 36164594 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164595 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of counseling agencies list or required counseling disclosure language per Maryland HB 1399. | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164596 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164597 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 C A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164600 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050511 | 36164601 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 B A |  | MD | Primary | Purchase | C A | Non QM | Non QM | No |
| 304868724 | 36203450 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304866324 | 36203453 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |

---

## Exhibit 99.4

**Exhibit 99.4**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **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 OVERALL 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 OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304698153 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304757920 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304767201 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304768645 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 304823314 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304823122 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304822772 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304767206 | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304874011 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304847552 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304846524 | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 304844831 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304889942 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304823394 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304840520 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304840519 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304840533 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304897241 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304894077 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304866561 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 304868735 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304868736 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304865982 | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304866274 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304894182 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304902688 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304902378 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304872130 | C |  | C | C | C | C | C | D | D | A |  | B | B | B | B | B | A | B |  |
| 305034497 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034463 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034464 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305042649 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305034453 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034465 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043857 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043802 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030676 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043861 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030656 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034443 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043849 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043825 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043807 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043805 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030663 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034467 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030670 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043858 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043822 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043816 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030654 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034468 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043870 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030655 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030664 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034450 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030679 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043864 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043852 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043831 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030650 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034440 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034444 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043890 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043850 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030651 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034447 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043814 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030658 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030667 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030671 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043846 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043836 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043821 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030660 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043840 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043830 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030677 | C |  | N/A | N/A | N/A | N/A | N/A | D | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043863 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030661 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034458 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043855 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043835 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043824 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030653 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030662 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030683 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043842 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043834 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043818 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043832 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043812 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305055856 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305055855 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304911604 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054709 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054799 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054788 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054770 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054740 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054726 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024296 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054749 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054797 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054725 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024302 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054711 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029081 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054793 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054728 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305050291 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054798 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054784 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054735 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054716 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054794 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054786 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029083 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054800 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054718 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054699 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054795 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054796 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054787 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054743 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054721 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054720 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305033598 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304894095 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304908614 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305052635 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305030933 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305038534 | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305051373 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305030918 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305036654 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304907265 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305051382 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304838855 | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305034516 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034515 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043884 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043873 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305031306 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305054319 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305053586 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305038709 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305053693 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305053597 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305050346 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305042291 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305039612 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305056359 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305060479 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060936 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060938 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060481 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060935 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060508 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060536 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060503 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060937 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060464 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060572 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060570 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305056850 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305054932 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305047478 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305056826 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304908709 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305047266 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057515 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305051440 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305054326 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057837 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057702 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305046117 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305053580 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305059701 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305053751 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305037768 | A |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305037675 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305037733 | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| 305037630 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305050339 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305050338 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304844407 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304899027 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304847747 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060582 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060498 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305047906 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305034658 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305049916 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305036247 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305045948 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305045283 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305042624 | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305047904 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305044631 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305047119 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305052372 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305044569 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304871620 | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| 305053672 | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| 305043941 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305043942 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305052052 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305056503 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305051095 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304910354 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305037574 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305037767 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305037615 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305050537 | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 305050511 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305037685 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304868724 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304866324 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.5

**Exhibit 99.5**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is 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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304698153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 304767201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304768645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304823314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304823122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304822772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304767206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304874011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304847552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304846524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304844831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.470% |  |  | Desk Review |  |  |  |  |  | -8.470% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.440% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304823394 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304840520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -8.330% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304897241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304894077 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.570% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866561 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 304868735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 304868736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304865982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866274 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304894182 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 304902688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304902378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304872130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 305034497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034463 |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  | 19.720% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 23.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305042649 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305034453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.790% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043825 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030663 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043858 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043816 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030655 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043850 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030671 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.760% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030677 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.210% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.210% |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030661 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.100% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043824 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043818 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043812 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305055856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305055855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304911604 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054799 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054749 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024302 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.560% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054793 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054728 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305050291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029083 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.260% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.260% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054721 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305033598 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.750% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304894095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304908614 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305052635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305030933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.100% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| 305038534 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 305051373 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305030918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 305036654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304907265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.200% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304838855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 305054319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 305053586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305038709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 305053693 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305053597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305050346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.870% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305042291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305039612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.780% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
| 305056359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305060479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060935 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060536 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060937 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060570 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056850 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305054932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305047478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.920% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304908709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305047266 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305057515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305051440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305054326 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 305057837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305057702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305046117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305053580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305059701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305053751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305037768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 305037675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305037733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.30 |
| 305037630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 305050339 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305050338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844407 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304899027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.140% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305047906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 305034658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305049916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305036247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305045948 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| 305045283 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305042624 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305047904 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305044631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305047119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305052372 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305044569 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304871620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305053672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305043941 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 4.660% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305052052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305056503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304910354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305037574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 305037767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305037615 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 305050537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.330% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 305050511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305037685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 304868724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |

---

## Exhibit 99.6

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-NQM2**

**By Clarifii LLC on April 6, 2026**

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp; **Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &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 84 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2026-NQM2 transaction. The Loans referenced in this narrative report were reviewed in between 07/2025 to 02/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Pool <br> (by loan <br> count)** | &nbsp;&nbsp;**Original <br> Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$4468040.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;77 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;$63211820.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

The Review consisted of a population of 84 Loans, with an aggregate principal balance of $67,679,860.00.

**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 Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &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 Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &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 Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

**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:

● **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)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **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

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– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **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

● **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

● **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

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– Other documentation in loan file

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

● **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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

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**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 Loan. Compliance verification and validation that each 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)

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

If applicable the 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.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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**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 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 Loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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● **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.

– 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).

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– 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.

– 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.

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– 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.

● **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

**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

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Loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

If applicable, Clarifii reviewed the Loans 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.*

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

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

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

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**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:**

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

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

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

● 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.

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No <br> Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable UCDP<br> Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 |

---

**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.

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 15

![](ex996001.jpg)

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;78.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;21.43% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;71 | &nbsp;&nbsp;84.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.48% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 16

![](ex996001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;84 | &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;**84** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;94.05% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.95% |
| &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;**84** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool<br> (by loan <br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$67679860.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool<br> (by loan<br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;44 | &nbsp;&nbsp;52.38% | &nbsp;&nbsp;$44845776.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;40 | &nbsp;&nbsp;47.62% | &nbsp;&nbsp;$22834084.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 17

![](ex996001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool<br> (by loan <br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;46 | &nbsp;&nbsp;54.76% | &nbsp;&nbsp;$41657674.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;38 | &nbsp;&nbsp;45.24% | &nbsp;&nbsp;$26022186.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool <br> (by loan <br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$67679860.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool<br> (by loan <br> count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;$3956000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;82 | &nbsp;&nbsp;97.62% | &nbsp;&nbsp;$63723860.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**84** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$67679860.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;83 | &nbsp;&nbsp;72.29% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;84 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 18

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;83 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;83 | &nbsp;&nbsp;92.77% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;25 | &nbsp;&nbsp;84 | &nbsp;&nbsp;70.24% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;64 | &nbsp;&nbsp;84 | &nbsp;&nbsp;23.81% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;84 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;84 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;83 | &nbsp;&nbsp;98.80% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;84 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;84 | &nbsp;&nbsp;76.19% |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 19

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

**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/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 Data 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.*© 2026 Clarifii LLC. All rights reserved.

JPMMT 2026-NQM2 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.7

**Exhibit 99.7**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304875612 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875611 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875624 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875624 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 304875624 | XXXX | Qualifying LTV | propertyValuationPage | 65.97 | 65.96 | loan amount/appraisal value |
| XXXX | XXXX | 304875624 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304875624 | XXXX | Qualifying CLTV | propertyValuationPage | 65.97 | 65.96 | loan amount/appraisal value |
| XXXX | XXXX | 304875624 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used appraisal with lesser of the 2 values |
| XXXX | XXXX | 304875624 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.38 | 38.44 | Higher REO loss. |
| XXXX | XXXX | 304875619 | XXXX | Property Address | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875619 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875619 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1969.90 | DSCR |
| XXXX | XXXX | 304817034 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304817034 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | True data reflect appraised value. Tape data reflect last list price on appraisal. |
| XXXX | XXXX | 304843247 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875551 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875551 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per appraisal report |
| XXXX | XXXX | 304856674 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304875432 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875432 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304875432 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.46 | 35.45 | DTI Variance due lower income as excluded retirement income. |
| XXXX | XXXX | 304856680 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304856680 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 20.41 | Audit included REO not on 1003 |
| XXXX | XXXX | 304875481 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875425 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875532 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875532 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.74 | 42.20 | Lender used an unknown "other" payment in the PITIA per 1008 |
| XXXX | XXXX | 304875556 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875556 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875426 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304875340 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304875480 | XXXX | Note Date | notePage | XXXX | XXXX | Per the note |
| XXXX | XXXX | 304875388 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.19 | 40.26 | Lender included a larger subject PITIA payment than the actual verified payment. |
| XXXX | XXXX | 304875345 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 304875345 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per executed Initial 1003 in file |
| XXXX | XXXX | 304875510 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875510 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per DOT |
| XXXX | XXXX | 304875510 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1277.57 | DSCR Loan |
| XXXX | XXXX | 304892579 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304896977 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304896977 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan Application |
| XXXX | XXXX | 304896977 | XXXX | Calculated DSCR | diligenceFinalLookPage | 2.318 | 2.415 | Variance in property tax; monthly amount considered by lender was semi-annual and not annual. |
| XXXX | XXXX | 305039342 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039342 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 in file |
| XXXX | XXXX | 305039342 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305039342 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 26.20 | DSCR Loan |
| XXXX | XXXX | 304896980 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305039347 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039347 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305039347 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305039349 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note in file |
| XXXX | XXXX | 305039349 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial application on file |
| XXXX | XXXX | 305039349 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1298.56 | DSCR |
| XXXX | XXXX | 305035419 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035419 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035419 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305035419 | XXXX | Number of Units | propertyValuationPage | 4 | 5 | Per Appraisal 4 unit plus ADU |
| XXXX | XXXX | 305035419 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305035419 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.139 | 1.712 | DSCR Matches Tape |
| XXXX | XXXX | 305035419 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 574.64 | DSCR Loan |
| XXXX | XXXX | 305030884 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030884 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 305030884 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PerCD |
| XXXX | XXXX | 305030884 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per 2nd appraisal |
| XXXX | XXXX | 305029420 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305029420 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305029420 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per citizenship documentation |
| XXXX | XXXX | 305030891 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030891 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030891 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305030891 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD in file |
| XXXX | XXXX | 305030845 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030847 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305030847 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per application |
| XXXX | XXXX | 305030847 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | XXXX | 305030847 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1636.49 | DSCR |
| XXXX | XXXX | 305029472 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 305030837 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030837 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305029493 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029493 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305029493 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305029493 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.027 | 1.284 | DSCR variance due to Lender did not reduce rent with expenses |
| XXXX | XXXX | 305030873 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030873 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7387.40 | DSCR Loan |
| XXXX | XXXX | 305030895 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030895 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305030895 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030895 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305030895 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | 1445000.00 | True data is appraisal value. Tape is BPO value |
| XXXX | XXXX | 305030889 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030889 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305030889 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030889 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.603 | 2.003 | Lender did not use a 20% vacancy factor for STR |
| XXXX | XXXX | 305030864 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305030864 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305039265 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305035319 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035319 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per 1008 |
| XXXX | XXXX | 305035319 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.095 | 1.369 | Due to lender not reducing market rents by 20% for expenses |
| XXXX | XXXX | 305035316 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305035406 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035406 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035406 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 59.63 | Per 1008 DSCR |
| XXXX | XXXX | 305035311 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035311 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per loan application |
| XXXX | XXXX | 305039269 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035359 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035359 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305035359 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039274 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305039274 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD. |
| XXXX | XXXX | 305039290 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039281 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305039281 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305039281 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per docs in the file. |
| XXXX | XXXX | 305039319 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039319 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 305039202 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.88 | 29.83 | Audit calculated lower income |
| XXXX | XXXX | 305039287 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305039287 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305039287 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Initial disclosure date |
| XXXX | XXXX | 305039307 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305039303 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039303 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | XXXX | 305035423 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305035423 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305035423 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305035423 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305035423 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 576.18 | DSCR |
| XXXX | XXXX | 305035423 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.712 | 1.698 | 71A multi-unit property, management fee deducted; however, no calculation provided unknown discrepancy |
| XXXX | XXXX | 305039358 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039358 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039358 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.29 | 44.54 | Audit and lender 1008 match |
| XXXX | XXXX | 305039260 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039360 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039360 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305052020 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051913 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051945 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051945 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051903 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051903 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| XXXX | XXXX | 305051944 | XXXX | Note Date | notePage | XXXX | XXXX | per note in file |
| XXXX | XXXX | 305051944 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 in file |
| XXXX | XXXX | 305051944 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | XXXX | 305051898 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051898 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo docs |
| XXXX | XXXX | 305051974 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305051974 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD in file |
| XXXX | XXXX | 305051924 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305051924 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | XXXX | 305051924 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per docs in file & UW notes on 1008 |
| XXXX | XXXX | 305051924 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 48.70 | DSCR Loan |
| XXXX | XXXX | 305052007 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305052007 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| XXXX | XXXX | 305052007 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | PUD | Per Appraisal |
| XXXX | XXXX | 305052007 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 804.96 | No ratio loan |
| XXXX | XXXX | 305052009 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305052009 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305052009 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | PUD | Per appraisal 2 units duplex |
| XXXX | XXXX | 305052009 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1815.53 | Per approval DSCR |
| XXXX | XXXX | 305052000 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305052000 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305052000 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3002.88 | DSCR - no dti |

---

## Exhibit 99.8

**Exhibit 99.8**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 304875612 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875611 D A | Closed | FCRE5809 | 2025-07-11 15:24 | 2025-07-21 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-CA SOS confirmation provided, currently in good standing - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Please note verification via XX Secretary of State that the businesses are active were uploaded with the loan file. Please refer to pages 512-517 and attached herein. - Seller-07/14/2025 <br> Open-Provide CPA letter and/or third party verification that businesses are active and in existence within 60 days of Note. - Due Diligence Vendor-07/11/2025 | Ready for Review-Document Uploaded. Please note verification via XXXX Secretary of State that the businesses are active were uploaded with the loan file. Please refer to pages 512-517 and attached herein. - Seller-07/14/2025 | Resolved-CA SOS confirmation provided, currently in good standing - Due Diligence Vendor-07/21/2025<br>| Verified employment history exceeds guidelines - Borrower's corporations have been operating since 2020.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.19% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4791451 |
| XXXX | XXXX | 304875624 D A | Closed | FCRE1764 | 2025-08-01 13:25 | 2025-08-07 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received Updated 1003 and 1008 - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 and updated 1003. - Seller-08/06/2025 <br> Counter-Please provide a revised 1003 and 1008. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. There are statements in file from XXXX in XXXX that verify the HELOC is a NOO (non-owner occupied) and does not belong to our subject that is a Primary Res, as confirmed by the Title Report. I've added the HELOC to the second rental on the VOM and updated the DTI, which remains within acceptable limits. - Seller-08/05/2025 <br> Open-Missing the most recent 12 months mortgage history for XXXX and what property it is against. Upon receipt additional conditions maybe required. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached 1008 and updated 1003. - Seller-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. There are statements in file from XXXX in XXXX that verify the HELOC is a NOO (non-owner occupied) and does not belong to our subject that is a Primary Res, as confirmed by the Title Report. I've added the HELOC to the second rental on the VOM and updated the DTI, which remains within acceptable limits. - Seller-08/05/2025 | Resolved-Received Updated 1003 and 1008 - Due Diligence Vendor-08/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 780 |  | 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 | 5026381 |
| XXXX | XXXX | 304875624 D A | Closed | FCRE7497 | 2025-08-01 13:39 | 2025-08-06 16:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statements with escrows. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. XXXX loan statement for 3b - XXXX shows taxes and insurance are impounded. XXXX mortgage statement for 3c - XXXX shows taxes and insurance are impounded. Please clear this finding. - Seller-08/04/2025 <br> Open-Missing for 3b the taxes and 3c the taxes & HOI. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached. XXXX loan statement for 3b - XXXX shows taxes and insurance are impounded. XXXX mortgage statement for 3c - XXXX shows taxes and insurance are impounded. Please clear this finding. - Seller-08/04/2025 | Resolved-Received Mortgage statements with escrows. - Due Diligence Vendor-08/06/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50% - Borrower's DTI 39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 780 |  | 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 | 5026670 |
| XXXX | XXXX | 304875619 D B A | Closed | FCRE1180 | 2025-07-31 18:45 | 2025-08-05 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received evidence of walls-in with betterments & Improvements. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. Master policy clearly states that the policy covers walls-in with betterments & improvements. Please clear this finding. - Seller-08/01/2025 <br>Open-HO-6 Insurance Policy is Missing Provide missing H0-6 Insurance Policy with annual premium. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please see attached. Master policy clearly states that the policy covers walls-in with betterments & improvements. Please clear this finding. - Seller-08/01/2025<br>| Resolved-Received evidence of walls-in with betterments & Improvements. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 747<br>Credit history exceeds minimum required - 0X30 credit history 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5016139 |
| XXXX | XXXX | 304875619 D B A | Closed | FCRE8201 | 2025-07-31 19:07 | 2025-08-01 11:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow missing 12 month housing history, Non-material waiver applied with comp factors.<br> non-material due to borrower having a strong credit score, credit report reflects no deficiencies, rent free letter provided in the file from the borrowers father. - Due Diligence Vendor-08/01/2025 <br>Open-Lender Exception approved to allow first time investor living rent free missing 12 month housing history, borrower living rent free with Father. - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted to allow missing 12 month housing history, Non-material waiver applied with comp factors.<br> non-material due to borrower having a strong credit score, credit report reflects no deficiencies, rent free letter provided in the file from the borrowers father. - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 747<br>Credit history exceeds minimum required - 0X30 credit history 24 months | 1. 747 FICO over 20 points of requirement<br> 2. 0X30 credit history 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5016250 |
| XXXX | XXXX | 304817034 D B C A | Closed | FPRO1242 | 2025-08-28 13:45 | 2026-03-26 11:23 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/26/2026 <br>Resolved-Received appraisal. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-Appraisal is Missing Valuations missing from uploaded documents - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-03/26/2026 <br>Resolved-Received appraisal. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. |  | 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 | 5350391 |
| XXXX | XXXX | 304817034 D B C A | Closed | FPRO1253 | 2025-08-28 15:55 | 2025-09-02 15:43 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received CU with score 2.2. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br>Open-Missing to support appraisal once received. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Received CU with score 2.2. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. |  | 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 | 5352579 |
| XXXX | XXXX | 304817034 D B C A | Closed | FCRE6763 | 2025-08-28 15:50 | 2025-08-28 15:56 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow not meeting guideline for rental income. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor and 1007 provided more than supports qualifying rental income. - Due Diligence Vendor-09/02/2025 <br>Open-Missing lease plus two months proof of receipt for non subject REO properties, two total. Using lease + 1007 on one and 1007 only on the other. - Due Diligence Vendor-08/28/2025 |  | Waived-Client exception granted to allow not meeting guideline for rental income. Non-material waiver applied with comp factors. Deemed non-material due to experienced investor and 1007 provided more than supports qualifying rental income. - Due Diligence Vendor-09/02/2025<br>| Months Reserves exceed minimum required - 37 months more than the 3 months required.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Over $12K residual income. | Mortgage History 0X30 24+ months<br> 5+ years SE history<br> Residual Income |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5352437 |
| XXXX | XXXX | 304843247 D B A | Closed | FPRO1245 | 2025-09-17 11:54 | 2025-11-18 09:23 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is Expired | Waived-Originator provided a waiver for appraisal date 122 days >120 allowed, applied to non material finding with comp factors - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with the Appraisal being 122 days old at signing. - Seller-11/12/2025 <br>Open-Primary Value Appraisal is Expired As per Guides: "The appraisal should be dated no more than 120 days prior to the Note date" Appraisal on file is 122 days old. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with the Appraisal being 122 days old at signing. - Seller-11/12/2025<br>| Waived-Originator provided a waiver for appraisal date 122 days >120 allowed, applied to non material finding with comp factors - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 7.53 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 706 | Credit History: 0x30 for 24 months+<br> FICO: 706>640 minimum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5570559 |
| XXXX | XXXX | 304843247 D B A | Closed | FCRE1148 | 2025-09-17 12:58 | 2025-09-19 15:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/17/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage is not sufficient. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/17/2025<br>| Resolved-Title Coverage Amount of $729600 is sufficient based on the type of subject lien - Due Diligence Vendor-09/19/2025<br>| Months Reserves exceed minimum required - 7.53 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5571874 |
| XXXX | XXXX | 304843247 D B A | Closed | FCRE1158 | 2025-09-17 13:01 | 2025-09-19 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received correct policy - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached, both the HOI and CD match the 1003 premium XXXX / 12 = XXXX monthly - Seller-09/17/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per Dec Page premium for HOI is XXXX annually. lender collected a different amount at closing. Lender to provide dec page reflecting same premium as collected at closing. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached, both the HOI and CD match the 1003 premium $4,746 / 12 = $395.50 monthly - Seller-09/17/2025<br>| Resolved-Received correct policy - Due Diligence Vendor-09/19/2025<br>| Months Reserves exceed minimum required - 7.53 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5571905 |
| XXXX | XXXX | 304875551 C B A | Closed | FCRE1492 | 2025-09-18 09:22 | 2025-09-22 16:37 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator provided a waiver cash out proceeds of XXXX>XXXX max, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Cash out exceeds $1M. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Waived-Originator provided a waiver cash out proceeds of $1,220,000>$1,000,000 max, applied to non material finding with comp factors - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 720<br>Months Reserves exceed minimum required - Verified assets of 121 months exceeds the minimum required of 3 months | FICO: at least 20 points above minimum for program<br> Reserves:: 122 months verified. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5583111 |
| XXXX | XXXX | 304856674 C B A | Closed | FCRE7009 | 2025-09-26 13:24 | 2025-09-30 16:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-HOI and RCE received. Sufficient Coverage. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached HOI and RCE. Note HOI has extended replacement cost of 125%. - Seller-09/26/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. No additional HOI or RCE docs on file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. Please see attached HOI and RCE. Note HOI has extended replacement cost of 125%. - Seller-09/26/2025<br>| Resolved-HOI and RCE received. Sufficient Coverage. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  | 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 | 5688580 |
| XXXX | XXXX | 304856674 C B A | Closed | finding-3652 | 2025-09-25 13:47 | 2025-09-30 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see the system support that credit didnt increase. the credit was tied in part to the escrow fee as illustrated. - Seller-09/29/2025 <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 to $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 $975.80, 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. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. see the system support that credit didnt increase. the credit was tied in part to the escrow fee as illustrated. - Seller-09/29/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  | 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 | 5674403 |
| XXXX | XXXX | 304856674 C B A | Closed | FCOM1353 | 2025-09-25 15:54 | 2025-09-25 16:12 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 736<br>Months Reserves exceed minimum required - 15 mths reserves; 9 mths required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5676775 |
| XXXX | XXXX | 304875432 D A | Closed | FCRE1336 | 2025-10-09 16:24 | 2025-10-14 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Received revised 1008/1003 removing SSI income. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. B1 SS Award letter is not needed since updated 1008 and 1003 shows that SS income is not being used to qualify. The resulting DTI Is a low 39.46% which is below the FTHB Max DTI of 45%. Please clear this finding. - Seller-10/10/2025 <br> Open-Borrower 1 Award Letter Missing Award letter from the social security reflecting income used of $XXXX or two prior years 1099-R. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. B1 SS Award letter is not needed since updated 1008 and 1003 shows that SS income is not being used to qualify. The resulting DTI Is a low 39.46% which is below the FTHB Max DTI of 45%. Please clear this finding. - Seller-10/10/2025<br>| Resolved-Received revised 1008/1003 removing SSI income. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 784<br>Qualifying DTI below maximum allowed - Lender max DTI 45%, borrower DTI 35.45% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5843902 |
| XXXX | XXXX | 304856680 D A | Closed | FCRE8887 | 2025-10-13 17:01 | 2025-10-15 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 and 1008 including investment PITIA. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Attached please find a revised 1003 and 1008 including XXXX along with it's PITIA included into the DTI. - Seller-10/14/2025 <br> Open-Missing on the initial/final 1003 the property XXXX and it's PITIA was not included into the DTI. Upon receipt additional conditions may apply. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. Attached please find a revised 1003 and 1008 including XXXX. along with it's PITIA included into the DTI. - Seller-10/14/2025 | Resolved-Received corrected 1003 and 1008 including investment PITIA. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths--- Borrower has 34.99 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 733 |  | 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 | 5878646 |
| XXXX | XXXX | 304875481 C A | Closed | FCRE1510 | 2025-10-09 14:45 | 2025-10-15 14:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description missing from DOT. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/14/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/15/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 38.16%<br>LTV is less than guideline maximum - Max LTV is 75%, borrowers LTV is 50.5% |  | 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 | 5842069 |
| XXXX | XXXX | 304875447 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | 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 |  |  |  |
| XXXX | XXXX | 304875425 C A | Closed | finding-3540 | 2025-10-16 09:57 | 2025-10-21 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. Waiting period was not required. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Please see attached evidence borrower received and viewed the PCCD on XXXX. - Seller-10/17/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Revised CD XXXX is not signed by the borrower, the US Mail date of receipts would be XXXX which is after the closing date. Please provide proof that borrower received the CD with the closing cost amount of $XXXX. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. Please see attached evidence borrower received and viewed the PCCD on XXXX at 1:48pm. - Seller-10/17/2025 | Resolved-Upon further review, no further documentation is needed or required. Waiting period was not required. - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 705<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 24.78% |  | 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 | 5915199 |
| XXXX | XXXX | 304875532 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 | XXXX | 304875556 D A | Closed | FCRE7551 | 2025-10-21 13:23 | 2025-11-07 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received final title confirming judgment removed-does not belong to Non borrower. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-11/05/2025 <br>Counter-Provide confirmation #8 of schedule B has been removed as reporting in error or provide the Child Support and Divorce Decree for review. Additional findings may apply. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-We respectfully disagree with the request. First, as noted title has confirmed the item is being removed, and second, the debtor is not a borrower to the subject transaction, and only on the vesting. - Seller-10/21/2025 <br>Open-\*New\* Title documents provided reflects a Judgment for child, Family or Spousal support. Title has confirmed this Item will not appear in the future policy, however we are missing the Divorce Decree for review. Additional findings may apply. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached Final Title Policy. - Seller-11/05/2025 <br>Ready for Review-We respectfully disagree with the request. First, as noted title has confirmed the item is being removed, and second, the debtor is not a borrower to the subject transaction, and only on the vesting. - Seller-10/21/2025<br>| Resolved-Received final title confirming judgment removed-does not belong to Non borrower. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | 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 | 5960977 |
| XXXX | XXXX | 304875556 D A | Closed | FCRE1145 | 2025-10-17 09:14 | 2025-11-07 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Document - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025<br>| Resolved-Received Title Document - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | 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 | 5929042 |
| XXXX | XXXX | 304875556 D A | Closed | FCRE1151 | 2025-10-17 13:47 | 2025-11-07 09:03 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received title document - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/17/2025<br>| Resolved-Received title document - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 762<br>Qualifying DTI below maximum allowed - 37.77% DTI below max allowed of 50% |  | 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 | 5934175 |
| XXXX | XXXX | 304875524 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875426 C A | Closed | FCRE9501 | 2025-10-24 22:10 | 2025-11-07 16:03 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD reflecting zero cash required for closing. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Ready for Review-Document Uploaded. Please see attached final settlement statement; CTC was $0. - Seller-11/05/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-XXXX. Assets are Insufficient. Missing asset documentation to cover cash required to close. - Due Diligence Vendor-10/25/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. Please see attached final settlement statement; CTC was $0. - Seller-11/05/2025<br>| Resolved-Received PCCD reflecting zero cash required for closing. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - LTV of 67.63% is below the maximum of 75% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 740 which exceeds the minimum of 680 |  | 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 | 6015012 |
| XXXX | XXXX | 304875340 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875480 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE0179 | 2025-10-28 11:50 | 2025-12-10 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-not a valid finding, please clear as soon as possible. the 1008 is not a required document - Seller-12/09/2025 <br> Counter-Received revised 1008 showing warrantable but does not reflect type of warranty. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br> Counter-Received 1008 reflecting Warrantable Type Q-transaction does not meet limited review XXXX BB4-2.2.01 as LTV exceeds 75%. Finding remains. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW Attestation/Docs stating warrantability of condo. - Due Diligence Vendor-10/28/2025 | Ready for Review-not a valid finding, please clear as soon as possible. the 1008 is not a required document - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-11/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Resolved-Received 1008. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6038515 |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE1194 | 2025-10-28 12:07 | 2025-10-30 13:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for 80% LTV, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender Exception: Approved 80% LTV, Matrix Max 75% NOO - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Waived-Originator provided a waiver for 80% LTV, applied to non material finding with comp factors - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% | 1. DTI 5% below max allowed<br> 2. FICO is 20 pts above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6038764 |
| XXXX | XXXX | 304875388 C B A | Closed | FCRE1148 | 2025-10-28 14:41 | 2025-10-30 13:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage not sufficient - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/28/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 754<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 37.19% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6041744 |
| XXXX | XXXX | 304875345 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875510 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304892584 D A | Closed | FCRE9814 | 2025-11-04 15:56 | 2025-11-11 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see NON QM guide section 9.3 If LTV /CLTV is 65% or LOWER, assets not required to be verified. - Seller-11/10/2025 <br> Counter-Please provide a copy of the Trust to review the terms of the trust. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Disagree, Lender notes The XXXX statements provided clearly identify the trustees — XXXX and XXXX (Both borrowers on the loan)— as the trustee to "BXXXX AND XXXX AS TRUSTEE OF THE XXXX"S XXXX ESTABLISHED XXXX". Based on this documentation, no further verification is necessary. Please clear - Seller-11/05/2025 <br> Open-Provide Trust Docs, corresponding to assets used in qualifying and held in Trust. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Disagree, Please see NON QM guide section 9.3 If LTV /CLTV is 65% or LOWER, assets not required to be verified. - Seller-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Disagree, Lender notes The XXXX statements provided clearly identify the trustees — XXXX and XXXX (Both borrowers on the loan)— as the trustee to "XXXX AND XXXX AS TRUSTEE OF THE XXXX XXXX ESTABLISHED XXXX". Based on this documentation, no further verification is necessary. Please clear - Seller-11/05/2025 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 708<br>LTV is less than guideline maximum - Lender max LTV 75%, subject LTV 50.33% |  | 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 | 6123689 |
| XXXX | XXXX | 304892579 C A | Closed | FCRE1480 | 2025-11-05 11:56 | 2025-11-13 12:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-We disagree, we do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail already in the file; any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Counter-Gift of XXXX should reflect on the CD with refund to borrower or copy of wire sent to borrower. Gift is considered in applicable reserves. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. - Seller-11/05/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of the receipt of the gift for XXXX. File reflects funds received from title but they are not listed on the CD. <br> Missing evidence of the receipt of the additional XXXX gift. - Due Diligence Vendor-11/05/2025 | Ready for Review-We disagree, we do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail already in the file; any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. - Seller-11/05/2025 | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 5.58%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--- Borrower's FICO 748 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6138217 |
| XXXX | XXXX | 304892579 C A | Closed | FCRE1198 | 2025-11-05 12:01 | 2025-11-13 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-We disagree that a post close CD is required. We do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail, already in the file, any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Counter-Gift of XXXX should reflect on the CD with refund to borrower or copy of wire sent to borrower. Gift is considered in applicable reserves and must be paper trailed.. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. Therefore, the borrower met the XXXX reserve requirements. - Seller-11/05/2025 <br> Open-Audited Reserves of 7.38 month(s) are less than Guideline Required Reserves of 12 month(s) Borrower is short reserves - Due Diligence Vendor-11/05/2025 | Ready for Review-We disagree that a post close CD is required. We do not require the funds to be added to the CD as they are not part of the Purchase Transaction. All we require is confirmation Escrow/Title received the funds from the Donor. Per the E-mail, already in the file, any access funds received by Escrow will be released to the borrower. No additional documentation is needed. - Seller-11/13/2025 <br> Ready for Review-We respectfully disagree. The borrower received two gifts; 1) XXXX cash gift and 2) XXXX gift of equity. The borrower did not require any cash to close. The delivered loan file included an email from the closing agent stating the excess gift funds would be wired to the borrower account at closing. Therefore, the borrower met the $74,984.52 reserve requirements. - Seller-11/05/2025 | Resolved-Gift confirmed by title company was not needed and guides allow gifts to be used for reserves. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 5.58%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680--- Borrower's FICO 748 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6138279 |
| XXXX | XXXX | 304892602 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304896939 D A | Closed | FCRE8887 | 2025-11-13 11:43 | 2025-11-17 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received B2 signed 1003.<br> - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/14/2025 <br>Counter-Initial 1003 provided, however the Final signed Loan Application is missing B2 information. - Due Diligence Vendor-11/13/2025 <br>Open-The Final 1003 is Incomplete The Final 1003 is missing B2's information filled out as required. (B1 & B2 did sign)<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/14/2025<br>| Resolved-Received B2 signed 1003.<br> - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 700, borrower FICO 788. Required is 700 Borrower has 788<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .80, borrower DSCR 1.077 Required is 0.8 Borrower has 1.077 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6240054 |
| XXXX | XXXX | 304896977 C B A | Closed | FPRO1249 | 2025-11-13 11:01 | 2025-11-13 15:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/13/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Approved lender exception on file. As per guides, max 20 acres allowed. Exception for property being XXXX acres - Due Diligence Vendor-11/13/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/13/2025<br>| DSCR % greater than 1.20 - Required is 0.8 Borrower has 2.416 Required is 0.8 Borrower has 2.416<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 Required is 700 Borrower has 771 | high fico<br> ltv 5 below max<br> ratio over 2 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6238610 |
| XXXX | XXXX | 305039342 C B A | Closed | FCRE1197 | 2025-11-13 11:16 | 2025-11-13 13:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow 690 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only 10 points below requirement. - Due Diligence Vendor-11/13/2025 <br>Open-Audited FICO of 690 is less than Guideline FICO of 700 Lender Exception: Approved to proceed 75% LTV with 690 FICO, a 10 Pt FICO exception. - Due Diligence Vendor-11/13/2025 |  | Waived-Originator exception granted to allow 690 FICO . Non-material waiver applied with comp factors. Deemed non-material due to only 10 points below requirement. - Due Diligence Vendor-11/13/2025<br>| DSCR % greater than 1.20 - Lender minimum DSCR 1.0, borrower DSCR 2.94 Required is 1 Borrower has 2.94<br>Long term residence - Borrowers have resided at primary residence for 12+ years. | 1. DSCR > 1.20<br> 2. 0X30X24<br> 3. At Prime Residence 12+ yrs. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6239049 |
| XXXX | XXXX | 304896980 C A | Closed | FCRE1510 | 2025-11-12 17:00 | 2025-11-19 15:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 Required is 700 Borrower has 724<br>Months Reserves exceed minimum required - Verified assets of 101.57 months exceeds the minimum required of 6 months |  | 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 | 6230471 |
| XXXX | XXXX | 305039347 C A | Closed | FCRE1206 | 2025-11-17 10:34 | 2025-11-24 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Document Uploaded. XXXX and XXXX for appraiser received. - Due Diligence Vendor-11/24/2025 <br> Counter-XXXX provided, please provide the updated exclusionary list. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and Settlement Agent to be added to the Loan Participants List. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-Document Uploaded. XXXX and XXXX for appraiser received. - Due Diligence Vendor-11/24/2025 | Months Reserves exceed minimum required - Per the guidelines, no reserves are required. Borrower has 11.52 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 699. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6272131 |
| XXXX | XXXX | 305039349 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304894198 C B A | Closed | FPRO1249 | 2025-12-01 14:49 | 2025-12-01 16:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/25/2026 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender Exception on file. "Requesting an exception for rural property. Eligible for purchase only on Non-QM+" Approved exception in file. Non-material with compensating factors. - Due Diligence Vendor-12/01/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 715 Required is 620 Borrower has 715<br>Qualifying DTI below maximum allowed - Max DTI 50%; borrower DTI 20.27%. Required is 50 Borrower has 20.27 | DTI <43%<br> Reserves<br> Long term homeowner & employment<br> Min debt<br> FICO > 10pts above req |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6433853 |
| XXXX | XXXX | 305035419 D B A | Closed | FCRE2244 | 2026-01-28 21:17 | 2026-02-19 10:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Subject loan cannot be underwritten as a 5-10 unit, it must be 1-4 property with an ADU which is not allowable per guidelines however, finding is deemed non-material and waived with comp factors. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Counter is not valid, Lender notes the loan is priced as a 4 units pricing, which does not require an exception and the appraisal form used also does not require an exception. Please expedite this to be cleared as soon as possible <br> - Seller-02/12/2026 <br> Counter-The loan was submitted under the XXXX guides per the loan tape. Re-underwriting this loan to 5-10 multifamily matrix will not resolve the finding as it was not appraised as a 5-unit property and is not on a 71A form. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Please escalate for manager review, loan qualifies as a 5 unit and is not underwritten as a 4 with ADU due to the fact that it does not fit those 2-4 unit requirements. - Seller-02/03/2026 <br> Counter-Documentation received for review does not support 5-10 Multifamily. Tape and approval reflects XXXX 30 yr fixed IO. Appraisal completed on 1025. Original finding remains. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Lender Notes that the loan was approved as it was underwritten to XXXX 5-10 Unit guidelines. Please expedite this to be cleared as soon as possible <br> - Seller-01/29/2026 <br> Open-Property Issues are identified for the property-ADU's- The total units + Accessory Units on the property may NOT exceed 4 units. Subject property currently 4 Units plus ADU total 5. Exceed program guidelines, need an exception. - Due Diligence Vendor-01/29/2026 | Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Counter is not valid, Lender notes the loan is priced as a 4 units pricing, which does not require an exception and the appraisal form used also does not require an exception. Please expedite this to be cleared as soon as possible <br> - Seller-02/12/2026 <br>Ready for Review-Please escalate for manager review, loan qualifies as a 5 unit and is not underwritten as a 4 with ADU due to the fact that it does not fit those 2-4 unit requirements. - Seller-02/03/2026 <br>Ready for Review-Lender Notes that the loan was approved as it was underwritten to XXXX's 5-10 Unit guidelines. Please expedite this to be cleared as soon as possible <br> - Seller-01/29/2026<br>| Waived-Subject loan cannot be underwritten as a 5-10 unit, it must be 1-4 property with an ADU which is not allowable per guidelines however, finding is deemed non-material and waived with comp factors. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 762 Required is 700 Borrower has 762<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 58.82 Required is 80 Borrower has 58.82<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.75 Borrower has 1.139. Required is 0.75 Borrower has 1.139 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7342140 |
| XXXX | XXXX | 305035419 D B A | Closed | FCOM1220 | 2026-01-28 16:19 | 2026-02-04 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received Deed of Trust with missing signatures and legal. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. Please see attached complete Mtg DOT Legal copy. Please expedite this to be cleared as soon as possible - Seller-02/03/2026 <br>Counter-Received only a portion of security instrument. Missing signature and notary pages. Provide complete security instrument. - Due Diligence Vendor-02/01/2026 <br>Ready for Review-Document Uploaded. Please see attached Mtg DOT Legal - Seller-01/29/2026 <br>Open-The Deed of Trust is Missing Missing the signature page and Notary pages of the Deed of Trust. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see attached complete Mtg DOT Legal copy. Please expedite this to be cleared as soon as possible - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached Mtg DOT Legal - Seller-01/29/2026<br>| Resolved-Received Deed of Trust with missing signatures and legal. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 762 Required is 700 Borrower has 762<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 58.82 Required is 80 Borrower has 58.82<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR is 0.75 Borrower has 1.139. Required is 0.75 Borrower has 1.139 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7339228 |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE1440 | 2025-12-16 16:09 | 2026-01-02 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review by management- property in question is owned by the business and not the borrower. Borrower is not personally liable and payment history not needed. Condition resolved. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Not needed due to LLC holds lien, Please escalate for manager review, borrower is not personally liable - Seller-12/30/2025 <br> Counter-Received CD that confirm existing liens. Missing payment history - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Lender notes the investment property mentioned on XXXX, is owned by the business and borrower is not personally liable for the current or prior mortgages. Please see attached shows XXXX, payment $14,115.56 taxes and insurance are impounded - Seller-12/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the Housing Information and History for property 3f. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-12/16/2025 | Ready for Review-Not needed due to LLC holds lien, Please escalate for manager review, borrower is not personally liable - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Lender notes the investment property mentioned on XXXX, is owned by the business and borrower is not personally liable for the current or prior mortgages. Please see attached shows XXXX, payment $14,115.56 taxes and insurance are impounded - Seller-12/17/2025 | Resolved-After further review by management- property in question is owned by the business and not the borrower. Borrower is not personally liable and payment history not needed. Condition resolved. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6650547 |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE1254 | 2025-12-17 07:42 | 2026-01-02 17:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review by management, borrower is 100% owner of the business, registered agent information reflects borrower is the XXXX manager and director. condition is resolved - Due Diligence Vendor-01/02/2026 <br> Ready for Review-not required, please escalate for manager review, proof of ownership has been documented - Seller-12/30/2025 <br> Counter-Received Entity Information. Missing Percentage of ownership.<br>- Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX business look up reflects XXXX is owned by XXXX., Borrower assigned to and from owned LLCs - Seller-12/17/2025 <br> Open-Property Title Issue Title current vesting in XXXX - business information not provided. - Due Diligence Vendor-12/17/2025 | Ready for Review-not required, please escalate for manager review, proof of ownership has been documented - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached UT business look up reflects XXXX is owned by XXXX., Borrower assigned to and from owned LLCs - Seller-12/17/2025 | Resolved-After further review by management, borrower is 100% owner of the business, registered agent information reflects borrower is the Officerm manager and director. condition is resolved - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6658836 |
| XXXX | XXXX | 305030884 C B A | Closed | FCRE0184 | 2025-12-16 16:18 | 2025-12-22 16:38 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Certification<br> - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Received Business Certification - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached, Business purpose Cert - Seller-12/17/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached, Business purpose Cert - Seller-12/17/2025<br>| Resolved-Received Business Certification<br> - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6650674 |
| XXXX | XXXX | 305030884 C B A | Closed | FPRO1249 | 2025-12-16 15:37 | 2025-12-19 14:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Originator exception granted for property is XXXX acres, waiver applied with comp factors. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached exception used to final approve loan - Seller-12/17/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Subject's Acreage exceeds the guideline maximum of 20 acres. This property is not acceptable, per guidelines. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached exception used to final approve loan - Seller-12/17/2025<br>| Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Originator exception granted for property is XXXX acres, waiver applied with comp factors. - Due Diligence Vendor-03/26/2026 | LTV is less than guideline maximum - LTV is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 660 Borrower has 744 Required is 660 Borrower has 744<br>Qualifying DTI below maximum allowed - Max is 50 Borrower has 40.35 Required is 50 Borrower has 40.35 | Fico 744<br> No Housing Lates<br> Using cash back on loan, borrower will have excess reserves | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6650047 |
| XXXX | XXXX | 305029420 B A | Closed | FCRE1193 | 2025-12-19 15:21 | 2025-12-30 16:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non-material finding with compensating factors- allow the use of the ADU rent income on a primary - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the use of ADU Rental Income for qualifying. - Seller-12/24/2025 <br> Open-Audited DTI of 52.69% exceeds Guideline DTI of 45% DTI is excessive @ 52.69% (Lender used subject XXXX rents of $XXXX/m in qualifying. Per Lender Guides (7.2), Purchase: Owner-Occupied/2nd Home: Income from the accessory unit may not be used as qualifying income). - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the use of XXXX Income for qualifying. - Seller-12/24/2025 | Waived-Originator waiver applied to non-material finding with compensating factors- allow the use of the ADU rent income on a primary - Due Diligence Vendor-12/30/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $10,015.06 in Residual Income which is =/> 1.5 times $3,500 monthly residual income<br>Credit history exceeds minimum required - Borrower has 0x30 credit reporting since 9.2019. | 0x30x24 credit history- no delinquencies<br> residual income is greater that 1.5 times/$3500.00 monthly income | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6713387 |
| XXXX | XXXX | 305030891 D B A | Closed | FCRE1194 | 2025-12-31 06:34 | 2026-01-05 09:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for 10% LTV,/80% LTV for rural and unleased. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% 1008 states exception approved for Rural property at 80%LTV, however exception is missing from file. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- to allow for 10% LTV,/80% LTV for rural and unleased. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724<br>DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.541 | FICO score is 20+ above min required per guides<br> 24+ month credit history exceeds min required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6867731 |
| XXXX | XXXX | 305030891 D B A | Closed | FCRE1157 | 2025-12-31 06:16 | 2026-01-02 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025 <br>Open-Missing Hazard Insurance Policy Missing HOI Policy. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025<br>| Resolved-Received HOI. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724<br>DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.541 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6867559 |
| XXXX | XXXX | 305030845 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 | XXXX | 305030847 D A | Closed | FCOM9400 | 2026-01-02 16:41 | 2026-01-12 13:26 | Resolved | 1 - Information D A | Property | Missing Doc | Property 1: Missing Second Valuation Product | Resolved-Received desk review. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026 <br>Open-The file contains a CU and LCA; however, the LCA score is 3.5. Per section 8.1.3 of guides: The file must include a copy of the Submission Summary Report (SSR). (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). If the score exceeds 2.5 or indeterminate/no score, the file must include either an AVM, enhanced desk review, field review, or second appraisal. The file does not contain an AVM, enhanced desk review, field review, or second appraisal to support the primary valuation. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026<br>| Resolved-Received desk review. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Max LTV is 65 Borrower has 59.65 Required is 65 Borrower has 59.65<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Borrower's DSCR 1.073% and the min .75%. Required is 0.75 Borrower has 1.073 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6902451 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE6019 | 2026-01-02 15:10 | 2026-01-26 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received snapshot of 1003 country of origin XXXX - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Please see attached snapshot showing the borrower's nationality. Info is recorded in our system; however, does not transfer to the 1003 - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-No new document provided. Missing country of origin. XXXX be noted on 1003 or passport acceptable. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Please escalate for manager review, Requirements have been met for NON QM Guidelines re: ITIN borrower - Seller-01/17/2026 <br> Counter-Received iTIN and photo ID. Missing country of origin. XXXX be noted on 1003 or passport acceptable. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Lender notes Borrower meets NON QM guidelines Section 2.1, Please see attached supporting docs and highlighted guideline sections. - Seller-01/09/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation. - Due Diligence Vendor-01/02/2026 | Ready for Review-Please see attached snapshot showing the borrower's nationality. Info is recorded in our system; however, does not transfer to the 1003 - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/22/2026 <br>Ready for Review-Please escalate for manager review, Requirements have been met for NON QM Guidelines re: ITIN borrower - Seller-01/17/2026 <br>Ready for Review-Lender notes Borrower meets NON QM guidelines Section 2.1, Please see attached supporting docs and highlighted guideline sections. - Seller-01/09/2026<br>| Resolved-Received snapshot of 1003 country of origin Mexico - Due Diligence Vendor-01/26/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6901109 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE5790 | 2026-01-05 10:48 | 2026-01-07 13:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Fraud Report UDM updated XXXX - within 10 Days of Closing - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Lender notes the DataVerify was last updated XXXX and Note was signed on XXXX "Closing Date" is within 10 days requirement. Please clear - Seller-01/05/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Drive reported is dated XXXX note date is XXXX - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Lender notes the XXXX was last updated XXXX and Note was signed on XXXX "Closing Date" is within 10 days requirement. Please clear - Seller-01/05/2026 | Resolved-Fraud Report UDM updated XXXX - within 10 Days of Closing - Due Diligence Vendor-01/07/2026 | LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6914458 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE4989 | 2026-01-05 09:57 | 2026-01-07 13:27 | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached Prelim supplement used to final approve loan - Seller-01/06/2026 <br>Open-VEREIFY ALL PAST DUE TAXES ARE PAID IN FULL AS PER TITLE EXCEEPTOIN #2 PAGE 4 OF TITLE WORK. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Please see attached Prelim supplement used to final approve loan - Seller-01/06/2026<br>| Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913288 |
| XXXX | XXXX | 305029472 D A | Closed | FCRE1254 | 2026-01-05 09:55 | 2026-01-07 13:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached taxes paid at closing reflect on settlement statement. <br> - Seller-01/06/2026 <br>Open-Property Title Issue Provide judgement and lien affidavit. Per page 5 of title. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Please see attached taxes paid at closing reflect on settlement statement. <br> - Seller-01/06/2026<br>| Resolved-Received Title Supp and Settlement Statement - Delinquent Taxes Paid at Closing - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 64.94<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 715<br>Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed Required is 50 Borrower has 6.72 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6913240 |
| XXXX | XXXX | 305030837 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305029493 C A | Closed | FCRE1510 | 2026-01-06 14:04 | 2026-01-15 14:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/14/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6941290 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE1143 | 2026-01-08 09:55 | 2026-01-13 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Questionnaire confirm Builder control will be removed upon 90% completion. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 151-153 and attached herein. - Seller-01/12/2026 <br> Counter-No document provided. Did not locate a Master agreement confirming the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. Please provide referenced document. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Per XXXX DSCR guidelines, The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, predetermined percentage of unit sales is indicated at 90%. - Seller-01/08/2026 <br> Open-Builder is in control of HOA - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 151-153 and attached herein. - Seller-01/12/2026 <br>Ready for Review-Per XXXX DSCR guidelines, The developer may be in control of the condominium association as long as the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. According to the Condo Questionnaire, predetermined percentage of unit sales is indicated at 90%. - Seller-01/08/2026<br>| Resolved-Questionnaire confirm Builder control will be removed upon 90% completion. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6982130 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0179 | 2026-01-08 10:38 | 2026-01-12 12:56 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to 2 attached herein. - Seller-01/08/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to 2 attached herein. - Seller-01/08/2026<br>| Resolved-Received UW Attestation. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6983919 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0108 | 2026-01-08 12:38 | 2026-01-12 12:55 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received proof of sufficient Fidelity Coverage. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026 <br>Open-Fidelity Coverage not met. Fidelity Coverage missing from master policy provided - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/08/2026<br>| Resolved-Received proof of sufficient Fidelity Coverage. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6988926 |
| XXXX | XXXX | 305029493 C A | Closed | FCRE0099 | 2026-01-08 12:33 | 2026-01-12 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-01/08/2026 <br>Open-# of investments, # sold. Provide appraiser with questionnaire to update - Due Diligence Vendor-01/08/2026 | Ready for Review-Please note that it is not our requirement for the Appraisal and Condo Questionnaire to match. We note that the Appraiser does not always have the most up to date information; therefore, we compare the data and use the information provided by the HOA as it would be the most recent and updated information. - Seller-01/08/2026<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - 35.68% DTI, is below max of 50%.<br>Months Reserves exceed minimum required - 33 Months Reserves exceed 6 months minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6988806 |
| XXXX | XXXX | 305030893 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305030873 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305030895 C A | Closed | FCRE0113 | 2026-01-12 09:38 | 2026-02-18 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Income and Expense statement provided. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Pl3ease see attached Owner's Income and Expense Statement. - Seller-02/18/2026 <br>Open-Missing Income and Expense Statement - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Pl3ease see attached Owner's Income and Expense Statement. - Seller-02/18/2026<br>| Resolved-Income and Expense statement provided. - Due Diligence Vendor-02/18/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 39.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7036988 |
| XXXX | XXXX | 305030889 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305030864 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039265 C A | Closed | FCRE1491 | 2026-01-06 16:07 | 2026-01-22 13:56 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received verification that the gift amount wired to the title company in the amount of XXXX, gift letter is in the amount of XXXX, actual gift is less than the gift letter. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please escalate this for manager review, the gift letter meets all NON QM detail 9.6 Section requirements. Lenders notes the gift funds were verified to be sufficient to close, the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. No further docs are required, funds used to close suffice. Please expedite and clear as soon as possible - Seller-01/17/2026 <br> Counter-Received Proof of Wire. Guideline indicates The gift letter must: specify the actual or the maximum dollar amount of the gift. We can not "consider" it is up to. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see supervisor, not valid; Lender notes this finding has come up often and each response has been that the Gift letter amount is considered "up to" and no further documentation is required for funds verified as being less than what is stated on the gift letter. The XXXX Guidelines do not require the gift letter to be exact at closing. Also, Please see attached highlighted wire details shows exact match as stated account info on Gift letter. Please clear - Seller-01/07/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements 1. Wire amount of XXXX in file does not coincide with Gift letter at XXXX. 2. Wire does not show the donor's name. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please escalate this for manager review, the gift letter meets all NON QM detail 9.6 Section requirements. Lenders notes the gift funds were verified to be sufficient to close, the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. No further docs are required, funds used to close suffice. Please expedite and clear as soon as possible - Seller-01/17/2026 <br>Ready for Review-Document Uploaded. Please see supervisor, not valid; Lender notes this finding has come up often and each response has been that the Gift letter amount is considered "up to" and no further documentation is required for funds verified as being less than what is stated on the gift letter. The XXXX Guidelines do not require the gift letter to be exact at closing. Also, Please see attached highlighted wire details shows exact match as stated account info on Gift letter. Please clear - Seller-01/07/2026<br>| Resolved-Received verification that the gift amount wired to the title company in the amount of XXXX, gift letter is in the amount of XXXX, actual gift is less than the gift letter. - Due Diligence Vendor-01/22/2026 | Qualifying DTI below maximum allowed - DTI Required is 50.49% Borrower has 34.63%. Required is 50.49 Borrower has 34.94<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 708. Required is 660 Borrower has 708 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6944417 |
| XXXX | XXXX | 305035319 C A | Closed | FCRE1143 | 2026-01-13 09:09 | 2026-03-16 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Disagree, not a valid finding. Lender notes the Subject Condo project is Non-warrantable meets DSCR guidelines section 8.10.2 Project Review Non-Warrantable - Seller-01/14/2026 <br>Open-Builder is in control of HOA - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Disagree, not a valid finding. Lender notes the Subject Condo project is Non-warrantable meets DSCR guidelines section 8.10.2 Project Review Non-Warrantable - Seller-01/14/2026<br>| Resolved-Builder is in control of HOA Condo questionnaire confirms will be turned over once 90% of units are closed. - Due Diligence Vendor-01/15/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.095 Required is 0.8 Borrower has 1.095<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 8.29 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7059621 |
| XXXX | XXXX | 305035316 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039208 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305035311 D A | Closed | FCRE8887 | 2026-01-14 17:56 | 2026-01-22 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-01/21/2026 <br>Open-Loan application is missing a 2 year housing history. 16 months of housing was provided. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see corrected 1003 - Seller-01/21/2026<br>| Resolved-Received updated 1003. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7097430 |
| XXXX | XXXX | 305035311 D A | Closed | FCRE1158 | 2026-01-14 11:20 | 2026-01-20 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI policy. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. See attached updated EOI. - Seller-01/15/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing policy number and dates the policy is effective. File contains the binder. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached updated EOI. - Seller-01/15/2026<br>| Resolved-Received complete HOI policy. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7087334 |
| XXXX | XXXX | 305035311 D A | Closed | FCOM1350 | 2026-01-14 10:33 | 2026-01-20 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received Loan Agreement signed by the Lender - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. See attached Signed Lender Loan Agreement. - Seller-01/15/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Partial'. Missing Lender signature - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached Signed Lender Loan Agreement. - Seller-01/15/2026<br>| Resolved-Received Loan Agreement signed by the Lender - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7086177 |
| XXXX | XXXX | 305035311 D A | Closed | FCRE8701 | 2026-01-14 17:28 | 2026-01-20 13:59 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Pls see attached document - Articles of Organization, EIN, Cert of Existence and Operating Agreement. - Seller-01/15/2026 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing all required documents for LLC in which the subject loan closed. Subject to additional conditions - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Pls see attached document - Articles of Organization, EIN, Cert of Existence and Operating Agreement. - Seller-01/15/2026<br>| Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Months Reserves exceed minimum required - Min 6, actual 25.50 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7096138 |
| XXXX | XXXX | 305039269 C A | Closed | FCRE5790 | 2026-01-14 14:48 | 2026-01-20 15:05 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Drive report with Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. See attached Final DV report - Last condition/Score Update XXXX as of 2pm. CD Is XXXX. No issues found. - Seller-01/16/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Not dated w/in 10 days of Note - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached Final DV report - Last condition/Score Update XXXX as of 2pm. CD Is XXXX. No issues found. - Seller-01/16/2026 | Resolved-Received Drive report with Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 0.33 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7093095 |
| XXXX | XXXX | 305039269 C A | Closed | FCRE1510 | 2026-01-14 14:14 | 2026-01-20 15:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT with signature page and Legal description - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. See attached DOT with signature page, notary and legal description. - Seller-01/16/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing signature page and Legal description - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. See attached DOT with signature page, notary and legal description. - Seller-01/16/2026<br>| Resolved-Received DOT with signature page and Legal description - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 0.33 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7092402 |
| XXXX | XXXX | 305035310 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035359 C A | Closed | FCRE8013 | 2026-01-14 15:42 | 2026-01-30 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Title provided the LLC Affidavit showing the 2 listed Sellers are the owners of XXXX. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-The lender notes that title verification confirms XXXX and XXXX as the members of XXXX, which matches the sellers listed on the fully executed purchase contract.<br> The transaction closed with an Entity Affidavit provided by title, verifying that XXXX and XXXX are authorized members of XXXX and establishing their authority to convey title. Additionally, the recorded deed transferring title at closing reflects the correct seller entity, thereby fully satisfying the DSCR guideline requirement stating:<br>"For a purchase loan, the vesting will state the seller's name(s) and should match the purchase contract. A deed transferring title will be required at closing."<br>Based on the documentation provided: -<br> Seller identity has been properly verified<br> - Purchase contract and vesting are consistent<br> - Entity authority has been confirmed by title<br> - Deed transfer requirements have been met<br> All Accordingly, the file is fully compliant with DSCR guidelines, and no additional documentation is necessary or required.<br> We respectfully request this item be cleared and expedited at the earliest opportunity. - Seller-01/30/2026 <br> Counter-Received Entity Affidavit from title. Original finding remains. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached the Closing agent docs reflect the sellers as XXXX and XXXX and "XXXX". Please expedite this to be cleared as soon as possible - Seller-01/27/2026 <br> Counter-11.1 of the guidelines state for a purchase loan, the vesting will state the seller's name(s) and should match the purchase contract - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Disagree, not a valid finding due to fact that the buyers' vesting is not a purchase agreement requirement that affects the purchase price, financing terms, contingencies, closing date, and responsibilities of both parties. How vesting is held does not change agreed terms. Please clear - Seller-01/15/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract Addendum reflecting vesting in an LLC. - Due Diligence Vendor-01/14/2026 | Ready for Review-The lender notes that title verification confirms XXXX and XXXX as the members of XXXX, which matches the sellers listed on the fully executed purchase contract.<br> The transaction closed with an Entity Affidavit provided by title, verifying that XXXX and XXXX are authorized members of XXXX and establishing their authority to convey title. Additionally, the recorded deed transferring title at closing reflects the correct seller entity, thereby fully satisfying the DSCR guideline requirement stating:<br>"For a purchase loan, the vesting will state the seller's name(s) and should match the purchase contract. A deed transferring title will be required at closing."<br>Based on the documentation provided: -<br> Seller identity has been properly verified<br> - Purchase contract and vesting are consistent<br> - Entity authority has been confirmed by title<br> - Deed transfer requirements have been met<br> All Accordingly, the file is fully compliant with DSCR guidelines, and no additional documentation is necessary or required.<br> We respectfully request this item be cleared and expedited at the earliest opportunity. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached the Closing agent docs reflect the sellers as XXXX and XXXX and "XXXX". Please expedite this to be cleared as soon as possible - Seller-01/27/2026 <br> Ready for Review-Disagree, not a valid finding due to fact that the buyers' vesting is not a purchase agreement requirement that affects the purchase price, financing terms, contingencies, closing date, and responsibilities of both parties. How vesting is held does not change agreed terms. Please clear - Seller-01/15/2026 | Resolved-Title provided the LLC Affidavit showing the 2 listed Sellers are the owners of XXXX. - Due Diligence Vendor-01/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>On time mortgage history exceeds guideline requirement - Min 1x30x12, actual 0x30x65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7094524 |
| XXXX | XXXX | 305035359 C A | Closed | FCRE1509 | 2026-01-15 10:06 | 2026-01-20 14:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received signed copy of the Note. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached Note Copy - Seller-01/15/2026 <br>Open-Note is not executed by borrower. Subject to additional conditions - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached Note Copy - Seller-01/15/2026<br>| Resolved-Received signed copy of the Note. - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>On time mortgage history exceeds guideline requirement - Min 1x30x12, actual 0x30x65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7109248 |
| XXXX | XXXX | 305039274 D A | Closed | FCRE1481 | 2026-01-14 19:21 | 2026-01-23 14:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Per Lender excluded gift funds - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached 1003, 1008, CD and gift letter which confirm there is no Gift in the amount of XXXX. - Seller-01/16/2026 <br> Counter-Various Gift fund wire receipts provided. Please provide the wire receipt for XXXX Gift funds. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Transfer of donor funds not found - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please refer to the attached 1003, 1008, CD and gift letter which confirm there is no Gift in the amount of XXXX. - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 | Resolved-Per Lender excluded gift funds - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 779 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.29 Required is 45 Borrower has 37.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7100462 |
| XXXX | XXXX | 305039274 D A | Closed | FCRE1482 | 2026-01-14 19:21 | 2026-01-23 14:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received Wire Receipt. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 <br>Open-Asset 4 Does Not Meet Guideline Requirements Transfer of donor funds not found - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026<br>| Resolved-Received Wire Receipt. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 779 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.29 Required is 45 Borrower has 37.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7100464 |
| XXXX | XXXX | 305039274 D A | Closed | FCRE5770 | 2026-01-14 19:09 | 2026-01-16 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 <br>Open-Borrower 1 Credit Report is Missing. Not found in file - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026<br>| Resolved-Received Credit Report. - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 779 Required is 720 Borrower has 779<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.29 Required is 45 Borrower has 37.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7100289 |
| XXXX | XXXX | 305039290 C B A | Closed | finding-3617 | 2026-01-14 10:24 | 2026-01-27 08:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/25/2026 <br> Counter-----Received seller Final CD. Please provide borrower's PCCD or settlement statement. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached FINAL CD - Seller-01/15/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached PCCD - Seller-01/25/2026 <br>Ready for Review-Document Uploaded. Please see attached FINAL CD - Seller-01/15/2026<br>| Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 775 which exceeds the minimum of 680 Required is 680 Borrower has 775<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI of 39.58% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 40.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7085831 |
| XXXX | XXXX | 305039290 C B A | Closed | FCOM1124 | 2026-01-14 09:48 | 2026-01-14 09:48 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 775 which exceeds the minimum of 680 Required is 680 Borrower has 775<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI of 39.58% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 40.48 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7084814 |
| XXXX | XXXX | 305039281 C A | Closed | FCRE7375 | 2026-01-14 22:33 | 2026-01-20 14:38 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Per XXXX Guide, All nonpermanent resident alien borrower(s) must verify they are legally present in the XXXX with a copy of one of the following: a valid USCIS Form I-797 confirming a submitted application to renew is acceptable documentation and evidences the Borrower's lawful status. The Borrower's citizenship documentation is already included in the file. USCIS Form I-797C (Notice of Action) is located on page 1164 of the application package. <br>Additionally, the Borrower's Driver's License is valid. The expiration date is XXXX, confirming the identification was current at the time of application and remains unexpired.<br>Based on the above, the documentation requirement has been met, and no additional information is required to clear this finding. - Seller-01/16/2026 <br> Open-Provide missing Citizenship Documentation; Application 1-797C in file page 1164. The Borrowers Drivers License expired XXXX. - Due Diligence Vendor-01/15/2026 | Ready for Review-Per XXXX Guide, All nonpermanent resident alien borrower(s) must verify they are legally present in the XXXX with a copy of one of the following: a valid USCIS Form I-797 confirming a submitted application to renew is acceptable documentation and evidences the Borrower's lawful status. The Borrower's citizenship documentation is already included in the file. USCIS Form I-797C (Notice of Action) is located on page 1164 of the application package. <br>Additionally, the Borrower's Driver's License is valid. The expiration date is XXXX, confirming the identification was current at the time of application and remains unexpired.<br>Based on the above, the documentation requirement has been met, and no additional information is required to clear this finding. - Seller-01/16/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 731. Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - DTI Required is 505 Borrower has 11.92%. Required is 50 Borrower has 11.92 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7102976 |
| XXXX | XXXX | 305039281 C A | Closed | FCRE0179 | 2026-01-14 22:09 | 2026-01-20 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation/Docs stating warrantability. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1008- Warrantable condo - Seller-01/16/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing UW Attestation/Docs stating warrantability. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008- Warrantable condo - Seller-01/16/2026<br>| Resolved-Received UW Attestation/Docs stating warrantability. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 731. Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - DTI Required is 505 Borrower has 11.92%. Required is 50 Borrower has 11.92 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7102830 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE0197 | 2026-01-15 13:53 | 2026-01-28 15:15 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller settlement statement. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached Final Hud - Seller-01/27/2026 <br>Counter-Seller estimated closing statement provided. Please provide the Final Seller Settlement Statement. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026 <br>Open-The Final SELLER CD/HUD is missing. he Final SELLER CD/HUD is missing - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached Final Hud - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026<br>| Resolved-Received final seller settlement statement. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7117202 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE1510 | 2026-01-14 08:36 | 2026-01-21 15:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. Exhibit A. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/16/2026<br>| Resolved-Received DOT w/legal. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7083437 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE1347 | 2026-01-15 16:00 | 2026-01-21 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Upon further review, CPA letter was dated within 60 days as required by the guidelines. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes 11.12 CPA letter is less than 60 days of closing. Loan closed XXXX, please see attached NON QM Guideline. - Seller-01/16/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing CPA letter > 30 days from the closing. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes 11.12 CPA letter is less than 60 days of closing. Loan closed XXXX, please see attached NON QM Guideline. - Seller-01/16/2026 | Resolved-Upon further review, CPA letter was dated within 60 days as required by the guidelines. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7120038 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE1254 | 2026-01-15 12:13 | 2026-01-21 14:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supplemental report with the correct vesting. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Loan is for REO Purchase, Victoria is a seller and currently on title. Please see attached Title supplement with borrowers - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. Loan is for REO Purchase, XXXX is a seller and currently on title. Please see attached Title supplement on proposed vesting for buyers - Seller-01/16/2026 <br> Open-Property Title Issue BORROWER 2 NAME ON TITLE IS XXXX NAME ON LOAN DOCUMENTS AND SIGNATURE IS XXXX. - Due Diligence Vendor-01/15/2026 | Ready for Review-Loan is for REO Purchase, Victoria is a seller and currently on title. Please see attached Title supplement with borrowers - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. Loan is for REO Purchase, XXXX is a seller and currently on title. Please see attached Title supplement on proposed vesting for buyers - Seller-01/16/2026 | Resolved-Received supplemental report with the correct vesting. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7114742 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE1156 | 2026-01-15 12:43 | 2026-01-21 14:55 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received supplemental report with the correct vesting. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Loan is for REO Purchase, XXXX is a seller and currently on title. Please see attached Title supplement with borrowers - Seller-01/16/2026 <br> Open-Named Insured does not match Borrower(s) Name(s) LOAN DOCUMENTS HAVE BORROWER 2 AS XXXX / TITLE SHOWS NAME AS XXXX. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Loan is for REO Purchase, XXXX is a seller and currently on title. Please see attached Title supplement with borrowers - Seller-01/16/2026 | Resolved-Received supplemental report with the correct vesting. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7115318 |
| XXXX | XXXX | 305039319 D B A | Closed | FCRE5791 | 2026-01-15 13:18 | 2026-01-21 14:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Lender notes the XXXX was updated XXXX and loan closed XXXX, within the 10 days requirement - Seller-01/16/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Lender notes the Dataverify was updated XXXX and loan closed XXXX, within the 10 days requirement - Seller-01/16/2026 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7116168 |
| XXXX | XXXX | 305039319 D B A | Closed | FCOM1302 | 2026-01-14 09:00 | 2026-01-14 09:00 | Waived | 2 - Non-Material B | Compliance | Disclosure | XXX Not Provided Within 3 Days of Application Date | Waived-The XXX was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026 |  | Waived-The XXXX was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/14/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 Required is 660 Borrower has 799 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7083829 |
| XXXX | XXXX | 305039202 C A | Closed | finding-3352 | 2026-01-16 06:57 | 2026-01-21 10:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Full appraisal was completed and the loan closed with escrows. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived.<br> - Seller-01/20/2026 <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. ----Statute of limitations – One year; Expiration date: XXXX. - Due Diligence Vendor-01/16/2026 | Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived.<br> - Seller-01/20/2026<br>| Resolved-Full appraisal was completed and the loan closed with escrows. - Due Diligence Vendor-01/21/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 6.6m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.88 Required is 50 Borrower has 42.88 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7132006 |
| XXXX | XXXX | 305039287 D A | Closed | FCRE8728 | 2026-01-20 11:23 | 2026-01-22 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Received proof of IRS Balance and Statements reflecting payments. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached IRS balance and payments from borrower's account since 06/2025 to present. - Seller-01/21/2026 <br>Open-Missing third party verification of IRS monthly payments shown on application. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see attached IRS balance and payments from borrower's account since XXXX to present. - Seller-01/21/2026 | Resolved-Received proof of IRS Balance and Statements reflecting payments. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 734 Required is 640 Borrower has 734<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.47 Required is 50 Borrower has 37.47 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7181103 |
| XXXX | XXXX | 305039307 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 | XXXX | 305039240 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039303 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305035423 D B A | Closed | FCRE1197 | 2026-01-21 14:30 | 2026-01-29 16:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver 660 FICO less than min 680 for multi-unit cash out , applied to non material finding with comp factors - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. Please see attached Compensating factors comments now show - Seller-01/28/2026 <br>Counter-Received exception request form with not of " approved in need of pricing adjustment" in compensating factors section. Please confirm adjustments and comp factors. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached exception used for Final loan approval - Seller-01/22/2026 <br>Open-Audited FICO of 669 is less than Guideline FICO of 680 Cash out must have a minimum score of 680. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached Compensating factors comments now show - Seller-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached exception used for Final loan approval - Seller-01/22/2026<br>| Waived-Originator provided a waiver 660 FICO less than min 680 for multi-unit cash out , applied to non material finding with comp factors - Due Diligence Vendor-01/29/2026<br>| Months Reserves exceed minimum required - MIn 6, actual 20.29<br>LTV is less than guideline maximum - LTV is less than guideline maximum Required is 70 Borrower has 60 | LTV 5% below max<br> Housing/ credit history 0x30x24 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7221501 |
| XXXX | XXXX | 305035423 D B A | Closed | FCRE7347 | 2026-01-22 11:15 | 2026-01-28 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Lease and Payment History for unit XXXX. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. please see other XXXX Deposit Details, already provided \*\*\* see deposit from XXXX for UNIT XXXX names tenant as XXXX (maiden name) matches lease named person to the XXXX. please clear as soon as possible - Seller-01/27/2026 <br> Counter-Received a transaction history and XXXX deposit. Unable to confirm address/ source for upload "XXXX" - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see attached docs supporting the monthly rent payments from UNIT XXXX (see XXXX annals)& UNIT XXXX (XXXX deposits) - Seller-01/22/2026 <br> Open-The loan file contains the current leases; however, Unit XXXX and XXXX and unit XXXX and unit XXXX are expired. Provide proof of 2 months receipt of rents or evidence continuance of leases. Guide: If the lease has been converted to month-to-month, then provide the most recent two (2) months proof of receipt to evidence continuance of lease on refinance transactions. Subject to additional conditions. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. please see other XXXX Deposit Details, already provided \*\*\* see deposit from XXXX for UNIT XXXX names tenant as XXXX AKA XXXX (maiden name) matches lease named person to the XXXX. please clear as soon as possible - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached docs supporting the monthly rent payments from UNIT XXXX (see XXXX annals)& UNIT 3 (XXXX deposits) - Seller-01/22/2026 | Resolved-Received Lease and Payment History for unit XXXX. - Due Diligence Vendor-01/28/2026 | Months Reserves exceed minimum required - MIn 6, actual 20.29<br>LTV is less than guideline maximum - LTV is less than guideline maximum Required is 70 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7243274 |
| XXXX | XXXX | 305039358 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | 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 |  |  |  |
| XXXX | XXXX | 305039279 B A | Closed | FCOM1302 | 2026-01-20 16:31 | 2026-01-21 09:24 | Waived | 2 - Non-Material B | Compliance | Disclosure | XXXX Not Provided Within 3 Days of Application Date | Waived-The XXXX was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 |  | Waived-The XXXX was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/21/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x53<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 41.94 Required is 50 Borrower has 41.94 |  |  | 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 | 7188390 |
| XXXX | XXXX | 305035430 D A | Closed | FCRE1157 | 2026-01-26 09:46 | 2026-01-29 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Please see $XXXXXX HOI coverage is attached - Seller-01/27/2026 <br> Open-Missing Hazard Insurance Policy Provide property insurance with annual premium for subject property - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Please see $864,000 HOI coverage is attached - Seller-01/27/2026<br>| Resolved-Received HOI policy. - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Required is 660 Borrower has 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7293603 |
| XXXX | XXXX | 305039260 C A | Closed | FCRE0197 | 2026-01-27 15:55 | 2026-02-09 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Addityional disbursement of $XXXX is not a lien against the property and does not affect title. - Due Diligence Vendor-02/09/2026 <br> Counter-Received final certified seller CD. Title to provide clarification of prior release of funds $XXXX as not reflecting as lien on title. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-The request is unwarranted. The Seller CD is a certified copy from the Closing Agent. Documentation of seller paid off items are unwarranted. Please escalate and clear this finding asap. - Seller-02/04/2026 <br> Counter-Please provide documentation for the Payoff of $XXXX disclosed in Section H of the Seller CD. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/31/2026 <br> Counter-Please provide certified final seller CD with all pages. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/28/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing all pages of the Seller CD/ HUD. Currently have page 1 of 3. - Due Diligence Vendor-01/27/2026 | Ready for Review-The request is unwarranted. The Seller CD is a certified copy from the Closing Agent. Documentation of seller paid off items are unwarranted. Please escalate and clear this finding asap. - Seller-02/04/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/31/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/28/2026<br>| Resolved-Addityional disbursement of $XXXX is not a lien against the property and does not affect title. - Due Diligence Vendor-02/09/2026 | Qualifying DTI below maximum allowed - Max DTI is 50.49. Borrower has 40.96. Required is 50.49 Borrower has 40.96<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score is 660. Borrower has 745. Required is 660 Borrower has 745 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7318886 |
| XXXX | XXXX | 305039360 C A | Closed | FCRE1510 | 2026-01-29 12:30 | 2026-02-02 15:09 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/30/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/30/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 780 Required is 700 Borrower has 780<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.07 Required is 50 Borrower has 35.07 |  | 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 | 7355059 |
| XXXX | XXXX | 305039268 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305052020 C A | Closed | FCRE1198 | 2026-01-30 15:46 | 2026-02-10 07:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided Exception to allow for less than 6 months reserves - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 5 months in reserves - Seller-02/09/2026 <br>Open-Audited Reserves of 5.14 month(s) are less than Guideline Required Reserves of 6 month(s) The Borrowers must provide verification of 6 months reserves with an LTV > 85%. Additional assets must be provided to meet this requirement. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see attached Exception allowing the loan to close with 5 months in reserves - Seller-02/09/2026<br>| Resolved-Client provided Exception to allow for less than 6 months reserves - Due Diligence Vendor-02/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 42.01<br>On time mortgage history exceeds guideline requirement - Borrowers have 0x30x99 months mortgage history. Guides require 0x30x12 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7382003 |
| XXXX | XXXX | 305051913 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051969 C B A | Closed | finding-3352 | 2026-02-04 09:28 | 2026-02-06 09:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan has a full appraisal and escrows. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-There is an appraisal and impounds. Please clear per Chauntel - Seller-02/05/2026 <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. -----Statute of limitations – One year; Expiration date: XXXX - Due Diligence Vendor-02/04/2026 | Ready for Review-There is an appraisal and impounds. Please clear per XXXX - Seller-02/05/2026 | Resolved-Loan has a full appraisal and escrows. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI of 33.64% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 33.64<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 798 which exceeds the minimum of 700 Required is 700 Borrower has 798 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7436596 |
| XXXX | XXXX | 305051969 C B A | Closed | finding-3540 | 2026-02-04 09:28 | 2026-02-06 08:39 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. Unsure what increases you are referencing <br> LE & COC for lock <br> CD & COC for rate change - Seller-02/05/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Unsure what increases you are referencing <br> LE & COC for lock <br> CD & COC for rate change - Seller-02/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/06/2026<br>| Qualifying DTI below maximum allowed - DTI of 33.64% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 33.64<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 798 which exceeds the minimum of 700 Required is 700 Borrower has 798 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7436592 |
| XXXX | XXXX | 305051969 C B A | Closed | FCOM1124 | 2026-02-04 08:58 | 2026-02-04 09:56 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/04/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - DTI of 33.64% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 33.64<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 798 which exceeds the minimum of 700 Required is 700 Borrower has 798 |  |  | 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 | 7435925 |
| XXXX | XXXX | 305051945 C A | Closed | FCRE0044 | 2026-02-06 07:44 | 2026-02-10 08:26 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Client provided LOX for credit inquiries - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached LOE for credit inquiries. Please note that XXXX is a consumer reporting agency as noted on the credit report. Please clear this finding. - Seller-02/09/2026 <br> Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Please see attached LOE for credit inquiries. Please note that XXXX is a consumer reporting agency as noted on the credit report. Please clear this finding. - Seller-02/09/2026 | Resolved-Client provided LOX for credit inquiries - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 700 Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - DTI of 30.01% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7485664 |
| XXXX | XXXX | 305051903 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305051944 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051898 C A | Closed | FCRE0105 | 2026-02-09 16:40 | 2026-02-18 12:02 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, HOA questionnaire support the inspection was performed. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please note that we do not require a copy of the Structural Engineer report to be provided unless the HOA confirms there were repairs required from such inspection. We reiterate that the HOA attests that the last structural inspection was completed in XXXX and were not notified of any deficiencies or structural concerns. Per our requirements, the Report in question is not required as the HOA confirmed the inspection was completed and and there were no items of concern. Please clear this finding. - Seller-02/13/2026 <br> Counter-Received Questionnaire. #42 did the last inspection have any findings related to safety, soundness, etc. is answered see comments addendum. The response is " to the best of our knowledge" is not sufficient. Engineer report is required per state law for review when requested. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. Question 41 of the Condo Questionnaire answers 'XXXX' to the year of the last inspection. Additionally questions 42, 43, 44, 45, 46 all are answered 'NO'. Therefore, a copy of the inspection was not required. - Seller-02/10/2026 <br> Open-The file does not contain the required structural engineer report per state law. Subject built prior to XXXX and the units have a wood balcony and is 6 feet above ground level - Due Diligence Vendor-02/09/2026 | Ready for Review-Please note that we do not require a copy of the Structural Engineer report to be provided unless the HOA confirms there were repairs required from such inspection. We reiterate that the HOA attests that the last structural inspection was completed in XXXX and were not notified of any deficiencies or structural concerns. Per our requirements, the Report in question is not required as the HOA confirmed the inspection was completed and and there were no items of concern. Please clear this finding. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. Question 41 of the Condo Questionnaire answers 'XXXX' to the year of the last inspection. Additionally questions 42, 43, 44, 45, 46 all are answered 'NO'. Therefore, a copy of the inspection was not required. - Seller-02/10/2026 | Resolved-Upon further review, HOA questionnaire support the inspection was performed. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 58.73 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7524576 |
| XXXX | XXXX | 305051974 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051924 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305052007 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305052009 D A | Closed | FCRE8700 | 2026-02-12 19:33 | 2026-02-17 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received sole member LLC LOE confirming using personal social in lieu of EIN. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached LLC docs and LOE regarding the EIN. Please note in XXXX, where this LLC is, sole proprietors with zero employees are exempt from the requirement to obtain an EIN and may use a Social Security Number in lieu of an EIN. - Due Diligence Vendor-03/25/2026 <br> Open-Missing EIN. - Due Diligence Vendor-03/25/2026 |  | Resolved-Received sole member LLC LOE confirming using personal social in lieu of EIN. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program. Required is 700 Borrower has 735<br>Months Reserves exceed minimum required - Reserves Required 6 months and Reserves Verified 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7596766 |
| XXXX | XXXX | 305052000 C A | Closed | FCRE0184 | 2026-02-12 07:25 | 2026-02-17 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit confirming proceeds for business purpose. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached Certificate of Business Purpose. Please clear this finding. - Seller-02/13/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing cash out letter. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached Certificate of Business Purpose. Please clear this finding. - Seller-02/13/2026<br>| Resolved-Received business purpose affidavit confirming proceeds for business purpose. - Due Diligence Vendor-02/17/2026<br>| LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 738. Required is 700 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7578574 |
| XXXX | XXXX | 305051920 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.9

**Exhibit 99.9**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304875612 | XXXX A |
| XXXX | XXXX | 304875611 | XXXX D A |
| XXXX | XXXX | 304875624 | XXXX D A |
| XXXX | XXXX | 304875619 | XXXX D A B |
| XXXX | XXXX | 304817034 | XXXX C A D B |
| XXXX | XXXX | 304843247 | XXXX D A B |
| XXXX | XXXX | 304875551 | XXXX C A B |
| XXXX | XXXX | 304856674 | XXXX C A B |
| XXXX | XXXX | 304875432 | XXXX D A |
| XXXX | XXXX | 304856680 | XXXX D A |
| XXXX | XXXX | 304875481 | XXXX C A |
| XXXX | XXXX | 304875447 | XXXX A |
| XXXX | XXXX | 304875425 | XXXX A C |
| XXXX | XXXX | 304875532 | XXXX A |
| XXXX | XXXX | 304875556 | XXXX D A |
| XXXX | XXXX | 304875524 | XXXX A |
| XXXX | XXXX | 304875426 | XXXX C A |
| XXXX | XXXX | 304875340 | XXXX A |
| XXXX | XXXX | 304875480 | XXXX A |
| XXXX | XXXX | 304875388 | XXXX C A B |
| XXXX | XXXX | 304875345 | XXXX A |
| XXXX | XXXX | 304875510 | XXXX A |
| XXXX | XXXX | 304892584 | XXXX D A |
| XXXX | XXXX | 304892579 | XXXX C A |
| XXXX | XXXX | 304892602 | XXXX A |
| XXXX | XXXX | 304896939 | XXXX D A |
| XXXX | XXXX | 304896977 | XXXX C A B |
| XXXX | XXXX | 305039342 | XXXX C A B |
| XXXX | XXXX | 304896980 | XXXX C A |
| XXXX | XXXX | 305039347 | XXXX C A |
| XXXX | XXXX | 305039349 | XXXX A |
| XXXX | XXXX | 304894198 | XXXX C A B |
| XXXX | XXXX | 305035419 | XXXX D A B |
| XXXX | XXXX | 305030884 | XXXX C A B |
| XXXX | XXXX | 305029420 | XXXX B A |
| XXXX | XXXX | 305030891 | XXXX D A B |
| XXXX | XXXX | 305030845 | XXXX A |
| XXXX | XXXX | 305030847 | XXXX A D |
| XXXX | XXXX | 305029472 | XXXX D A |
| XXXX | XXXX | 305030837 | XXXX A |
| XXXX | XXXX | 305029493 | XXXX C A |
| XXXX | XXXX | 305030893 | XXXX A |
| XXXX | XXXX | 305030873 | XXXX A |
| XXXX | XXXX | 305030895 | XXXX C A |
| XXXX | XXXX | 305030889 | XXXX A |
| XXXX | XXXX | 305030864 | XXXX A |
| XXXX | XXXX | 305039265 | XXXX C A |
| XXXX | XXXX | 305035319 | XXXX C A |
| XXXX | XXXX | 305035316 | XXXX A |
| XXXX | XXXX | 305035406 | XXXX A |
| XXXX | XXXX | 305039208 | XXXX A |
| XXXX | XXXX | 305035311 | XXXX D A |
| XXXX | XXXX | 305039269 | XXXX C A |
| XXXX | XXXX | 305035310 | XXXX A |
| XXXX | XXXX | 305035359 | XXXX C A |
| XXXX | XXXX | 305039274 | XXXX D A |
| XXXX | XXXX | 305039290 | XXXX A C B |
| XXXX | XXXX | 305039281 | XXXX C A |
| XXXX | XXXX | 305039319 | XXXX D B A |
| XXXX | XXXX | 305039202 | XXXX A C |
| XXXX | XXXX | 305039287 | XXXX D A |
| XXXX | XXXX | 305039307 | XXXX A |
| XXXX | XXXX | 305039240 | XXXX A |
| XXXX | XXXX | 305039303 | XXXX A |
| XXXX | XXXX | 305035423 | XXXX D A B |
| XXXX | XXXX | 305039358 | XXXX A |
| XXXX | XXXX | 305039279 | XXXX A B |
| XXXX | XXXX | 305035430 | XXXX D A |
| XXXX | XXXX | 305039260 | XXXX C A |
| XXXX | XXXX | 305039360 | XXXX C A |
| XXXX | XXXX | 305039268 | XXXX A |
| XXXX | XXXX | 305052020 | XXXX C A |
| XXXX | XXXX | 305051913 | XXXX A |
| XXXX | XXXX | 305051969 | XXXX A C B |
| XXXX | XXXX | 305051945 | XXXX C A |
| XXXX | XXXX | 305051903 | XXXX A |
| XXXX | XXXX | 305051944 | XXXX A |
| XXXX | XXXX | 305051898 | XXXX C A |
| XXXX | XXXX | 305051974 | XXXX A |
| XXXX | XXXX | 305051924 | XXXX A |
| XXXX | XXXX | 305052007 | XXXX A |
| XXXX | XXXX | 305052009 | XXXX D A |
| XXXX | XXXX | 305052000 | XXXX C A |
| XXXX | XXXX | 305051920 | XXXX A |

---

## Exhibit 99.10

**Exhibit 99.10**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

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| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304875612 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.06 | 58.06 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304875611 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304875624 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.97 | 65.97 | XXXXX | XXXX | -.0135 | 1025 Small Residential Income Report |  |  |  |  | XXX | XXXX | -.0135 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304817034 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 304843247 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304875551 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.35 | 72.35 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304856674 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.96 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875432 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304856680 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304875481 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.5 | 50.5 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875447 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.42 | 59.42 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875425 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.78 | 24.78 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.77 | 52.77 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875556 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 304875524 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875426 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.63 | 67.63 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.1 | XXXX |
| XXXX | XXXX | 304875340 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 78.4 | 78.4 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304875480 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875388 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875345 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.85 | 79.85 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875510 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 304892584 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.33 | 50.33 | XXXXX | XXXX | .0938 | 1004 URAR |  |  |  |  | XXX | XXXX | .0938 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892579 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892602 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896939 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305039342 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304896980 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305039347 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039349 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304894198 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030884 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | -.1021 | 1004 URAR |  |  |  |  | XXX | XXXX | -.1021 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305029420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 305030891 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030845 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305030847 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.65 | 59.65 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305029472 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305030837 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | -.0652 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0652 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029493 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305030893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 305030873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1732 | 80 | 0.2 | XXXX | XXXX | XXXXX | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030895 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 39.79 | 39.79 | XXXXX | XXXX | -.1743 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1743 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030889 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 4.2 | XXXX |
| XXXX | XXXX | 305030864 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039265 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 305035319 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035316 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 305035406 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.9 | XXXX |
| XXXX | XXXX | 305039208 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.64 | 79.64 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305035311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305039269 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305035310 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | XXXX | 305035359 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 305039274 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305039290 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305039281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039319 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039202 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305039307 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039240 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| XXXX | XXXX | 305039303 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305035423 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXXX | XXXX | .0156 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0156 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039358 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305039279 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 305035430 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXXX | XXXX | -.2087 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2087 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039260 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305039360 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305039268 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 305052020 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305051913 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051969 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 305051945 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051903 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 305051944 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 305051898 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 58.73 | 58.73 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051974 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305051924 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305052007 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305052009 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305052000 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | XXXX | 305051920 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

![](ex9911002.jpg)

**April 2, 2026**<br> **Due Diligence Narrative Report** <br>

![](ex9911001.jpg)

**Table of Contents**

---

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

---

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 1 April 2, 2026

![](ex9911001.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |
| ![](ex9911003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Hometown Equity Mortgage, LLC ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 9 residential loans. The due diligence for Hometown (9 loans) took place between October 2025 and November 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired the diligence on the 9 loans reviewed for Hometown through a Reliance Letter purchase and selected these loans for the JPMMT 2026-NQM2 transaction.

Additionally, on behalf of JPMorgan, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan selected for the JPMMT 2026-NQM2 transaction.

This narrative report provides information about the lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 8 | 80.00% |
| Retail | 2 | 20.00% |
| **Total** | **10** | **100.00%** |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 2 April 2, 2026

![](ex9911001.jpg)

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

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

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count*** <br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 10 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp;10<br>|  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

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

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 3 April 2, 2026

![](ex9911001.jpg)

Loan Grading

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

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

![](ex9911004.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 4 April 2, 2026

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
 by the Seller and received by Clayton for Nationwide Multistate Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (10 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (10 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Clayton had independent access to all products listed below.

For loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3
loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less and therefore did not require a 3<sup>rd
</sup>party product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 7
loans had a Desk Review in file to show support for value.

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 5 April 2, 2026

![](ex9911001.jpg)

QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the applicable Lender considered and verified income, assets and debt in accordance with the revised QM standards.

Clayton included in its review an analysis to determine if the applicable Lender's underwriting deviated from the VSH guidelines that applicable Lender's documented that they used. This scope only applies if the applicable Lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See <u>Appendix C</u> for more detail.

– TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

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

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission,

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 6 April 2, 2026

![](ex9911001.jpg)

the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape
 data received from the applicable Lender/client is stored in eCLAS;

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

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 7 April 2, 2026

![](ex9911001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

**Data Compare Results** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Row Labels** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;4 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;7 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;6 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;90.00% |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 8 April 2, 2026

![](ex9911001.jpg)

**Clayton Due Diligence Results** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (10 loans)</u>

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 7 |  |  | 1 | **8** |
| **Final** | **B** |  | 2 |  |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **7** | **2** | **0** | **1** | **10** |

---

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.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 7 |  |  | 1 | **8** |
| **Final** | B |  | 2 |  |  | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **7** | **2** | **0** | **1** | **10** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 10 |  |  |  | **10** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **10** | **0** | **0** | **0** | **10** |

---

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 9 April 2, 2026

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**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 5 |  |  |  | **5** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **0** | **0** | **0** | **5** |

---

The total count of loans that received a compliance review (5 loans) varies from the overall pool count (10 loans) due to investor loans not having applicability for compliance results.

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rating
 Agency Attestations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Guideline
 Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Rating
 Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Supplemental
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Tape
 Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Valuations
 Report

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 10 April 2, 2026

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**Appendix A: Credit Review Scope** 

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

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

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

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

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

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

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

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

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

– Citizenship status

– Non- occupant co-borrower

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

Maximum loan amount

– Loan purpose

– Occupancy

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

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

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

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

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

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

– Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 11 April 2, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset
 review included:

– Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 evidence of conveyance and transfer of funds, if a sale of assets was involved

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

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

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

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

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

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

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

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

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

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

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– Loan purpose confirmed

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

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 Lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the applicable Lender's name and "its successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

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

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For
 each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation.
 In lieu of a copy of the mortgage or deed of trust with recording information, a copy
 of the mortgage or deed of trust that is stamped "true and certified copy"
 by the escrow/settlement agent plus recording directions on closing instruction documentation
 was utilized as evidence for recording.

D. For
 each mortgage loan, Clayton utilized the results from an independent, third-party fraud
 tool along with information in the loan file to identify and address any potential misrepresentations
 including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 identity

– Social Security inconsistencies

– Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

– Borrower address history

– Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

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

– Mortgage lender/originator

– Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 13 April 2, 2026

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**Appendix B: Origination Appraisal Assessment** 

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified
 that the mortgage loan file contained an appraisal report and that it met the following
 criteria:

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

FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

– FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

– FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

– FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos
 of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

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

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed
 a general credibility assessment of the results of the appraisal per Title XI of FIRREA
 and USPAP based on the following criteria:

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

If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

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– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

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

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

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

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

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

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk
 Review definitions

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

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

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 16 April 2, 2026

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the applicable Lender considered and verified the borrower has the ability to repay in accordance with
the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with
Appendix Q or the revised QM definition as described below. Non QM loans will be reviewed to ensure the applicable Lender documented
that they considered and verified the 8

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underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified as QM based upon the revised QM definition, the scope included identifying
 whether loans met the QM definition in terms of loan term, fees and product features,
 and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable
 to the loan and (2) that the applicable Lender considered and verified income, assets
 and debt in accordance with the revised QM standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For
 loans identified as QM under the revised QM definition, as applicable, an added element
 was to identify whether the applicable Lender used guidelines that provided a Verification
 Safe Harbor, based on the following review scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 provided a VSH Indicator. (The VSH indicator was provided within the loan images, on
 the data tape, or as part of the loan program/guidelines being originated to.) The loan
 guidelines utilize one of the specified GSE June 2020 guidelines to meet VSH. In the
 event the applicable Lender has identified the loan to have VSH status, then the TPR
 firm reviewed to identify documentation variances that would cause one to question the
 VSH attestation from the applicable Lender. If variances are identified then the loan
 would not be identified by the TPR firm to meet the VSH documentation requirements under
 either the Fannie Mae guidelines or under the Freddie Mac guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Under
 this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor
 guideline and the Safe Harbor guideline does not contain a specific allowance for the
 reduced documentation, the AUS in and of itself will not evidence of VSH. For example,
 Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation
 is allowable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Clayton
 does not independently affirm that a applicable Lender's guidelines meet VSH or
 that a court would determine that the applicable Lender met the QM consider and verify
 standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or applicable Lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the applicable Lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

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● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the applicable Lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

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---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the

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lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

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

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test an applicable Lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

JPMMT 2026-NQM2 Due Diligence Narrative Report Page \| 23 April 2, 2026

## Exhibit 99.12

**Exhibit 99.12**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304840743 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 304840743 | XXXXXX | XXXXXX | Total Cash Out | (455.97) | 0.00 |
| 304840743 | XXXXXX | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 304840576 | XXXXXX | XXXXXX | Cash Reserves | 35132.11 | 41618.45 |
| 304840576 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840576 | XXXXXX | XXXXXX | Total Cash Out | 3857.40 | 0.00 |
| 304894209 | XXXXXX | XXXXXX | Months Reserves | 1.00 | 17.04 |
| 304894183 | XXXXXX | XXXXXX | Cash Reserves | 26369.00 | 20149.47 |
| 304894183 | XXXXXX | XXXXXX | Months Reserves | 8.00 | 4.67 |
| 304894183 | XXXXXX | XXXXXX | Total Cash Out | 6219.98 | 0.00 |
| 304894160 | XXXXXX | XXXXXX | Months Reserves | 3.00 | 19.99 |
| 304894160 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304894160 | XXXXXX | XXXXXX | Total Cash Out | 77153.69 | 77153.79 |
| 304894142 | XXXXXX | XXXXXX | Months Reserves | 6.00 | 40.75 |
| 304894142 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 304894142 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 680 | Not Applicable |
| 304894140 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 304894140 | XXXXXX | XXXXXX | Cash Reserves | 253129.44 | 158747.90 |
| 304894140 | XXXXXX | XXXXXX | Months Reserves | 89.00 | 36.47 |
| 304894140 | XXXXXX | XXXXXX | Total Cash Out | 136381.54 | 0.00 |
| 304894094 | XXXXXX | XXXXXX | Months Reserves | 9.00 | 107.40 |
| 304894059 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 304894059 | XXXXXX | XXXXXX | Cash Reserves | 480300.00 | 25092.35 |
| 304894059 | XXXXXX | XXXXXX | Months Reserves | 3.00 | 3.04 |
| 304894059 | XXXXXX | XXXXXX | Total Cash Out | 455207.65 | 0.00 |

---

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

## Exhibit 99.13

**Exhibit 99.13**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Seller Name** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304840743 | XXXXXX | XXXXXX | 744000.00 | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception as maximum LTV is 75% for a cash out refinance and loan closed at 80% LTV. Loan is considered a cash out as the second trust holder was a company the borrower owns per VOM in file and is a PIK loan which guidelines require the loan be considered a cash out (sec 1.4.1.2).Clayton deems non-material/non-fatal to lending decision due to compensating factors: DTI 36.27/50% maximum, 76.2 months cash reserves/6 required, and credit score of 677/660 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 677 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 2 years of mortgage history is above the required 1 year.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 76.2 months reserves are above the required 6.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.27% is below the maximum allowed of 50%. |
| 304840576 | XXXXXX | XXXXXX | 368000.00 | AK | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.6 months piti reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has made mortgage payments on time for 3 years. |
| 304894209 | XXXXXX | XXXXXX | 112000.00 | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 is above the required 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $20,248.50, 17.04 months. 3 months required. |
| 304894183 | XXXXXX | XXXXXX | 504000.00 | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of771 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $20149.47 or 4.67 months of PITIA. 3 months required. |
| 304894160 | XXXXXX | XXXXXX | 448000.00 | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 26 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 753. G/l min is 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.99 months piti reserves. 3 required. |
| 304894142 | XXXXXX | XXXXXX | 759000.00 | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.22% LTV. G/l max is 65%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 40.75 months piti reserves. 6 months required. |
| 304894140 | XXXXXX | XXXXXX | 512000.00 | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | XXXXXX report indicates a Submarket score of 55 with projected income of $XXXXXX, Guidelines require Market score or sub-market score be 60 or greater. (Sec 1.8.2.1.2).Lender provided an XXXXXX printout dated 10-6-25 for the Market Overview of XXXXXX with a Market score of 63, however the annual revenue was reflected as $XXXXXX which does not support the XXXXXX report reflecting projected revenue of $97,600 running from October 2025 to September 2026. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 36.47 months cash reserves/0 required, 19 years at current residence and 99 months mortgage history/12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 99 months. 12 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 19 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36.47 months piti reserves. 0 required. |
| 304894094 | XXXXXX | XXXXXX | 882000.00 | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of806 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 3%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $841,820.48 or 107.40 months of PITIA. 6 months required. |
| 304894059 | XXXXXX | XXXXXX | 1109500.00 | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | No Finding | No Finding | No Finding A | No Finding | No Finding |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 660 FICO score is above the 640 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is below the 80% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3.04 months reserves are above the required 0. |
| 305013285 | XXXXXX | XXXXXX | 130400.00 | WI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | No Finding | No Finding | No Finding D A | No Finding | No Finding | No | Missing the Prepayment Addendum To The Note. | 2.3.2026 - PP addendum provided | 2.3.2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $106,099.50/$1,123.27 PITIA = 94.45 months reserves. |

---

## Exhibit 99.14

**Exhibit 99.14**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304840743 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 304840576 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304894209 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304894183 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304894160 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304894142 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304894140 | XXXXXX | N/A | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 304894094 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304894059 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305013285 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |

---

## Exhibit 99.15

**Exhibit 99.15**

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *10* | *10* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 304840743 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1004D (Mar 05) | XXXXXX | XXXXXX | XXXXXX | 0.00% | 5 |
| 304840576 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 304894209 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 304894183 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 304894160 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 304894142 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 304894140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304894094 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 304894059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 305013285 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |

---

## Exhibit 99.16

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association, through a bulk purchase. The review included a total of two hundred and fifty-nine (259) residential mortgage loans, in connection with the securitization identified as JPMMT 2026-NQM2 (the "Securitization"). The Review was conducted from January 2025 through March 2026 on mortgage loans originated between January 2025 and February 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed to determine sufficiency for
consideration in the Credit Review. The Credit Documentation review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements
and contains OFAC clearance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in
the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required
to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan
type and guideline requirements for verification of closing funds and reserves;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued
identification verification for each borrower (i.e. driver's license, state ID, passport);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate
for the subject property and that flood insurance is also documented when required;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary
independent estimate of value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws,
related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy
of the Articles of Incorporation establishing registration within the state of operation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration
by confirming the presence of a web print out or certification of good standing for the state is in the file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the
individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's interest
in the loan and the borrower(s)' obligations thereunder was conducted with the purpose of validating their presence in the mortgage
loan file and sufficiency of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan
agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable
allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached
or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file
and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all
applicable underwriting and legal requirements including those for timing, form, authority and execution;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity
borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower
statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title
is free from material defects that could affect lien position;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in
the loan file and properly conveys interest in the subject property;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale
Agreement along with any counter offers and modified terms of sale;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence
of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements
of underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets
to meet underwriting standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service
coverage ratio to ensure it meets minimum guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit reports and any supplemental credit history documentation
to verify whether the borrower met guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used
in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan
is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify the presence of a borrower executed
affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the
subject property is being used for non-business purposes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property
Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting
guideline standards based on the calculation methods set forth in underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in
PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are
included in PITI calculations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any compensating factors used in the qualification of
the loan and in consideration of loan level underwriting guideline exceptions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per
underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline
overlays were fully documented, properly approved, and supported;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained
for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● 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.

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

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

● Review credit report for credit history and required credit depth including any / all inquiries

● 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

**Compliance Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm a full three (3) day rescission period was provided to the borrower(s)

&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 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 and all additional property valuation documentation to determine whether source, format and type meet program
and guideline eligibility requirements, and that property is in "average" condition or better. If the property requires cosmetic
improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional valuation products were not required when the CU score provided was 2.5 or below or the Federal
Home Loan Mortgage Corporation Loan Collateral Advisor 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 appraisal risk score was not eligible for Collateral Rep and Warranty
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 Collateral Rep and Warranty relief 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 (259 loans in total):

One hundred fifty-eight (158) loans had a Desktop Review, two (2) loans had an AVM, four (4) loans had a BPO, five (5) loans had a field review, and ten (10) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There was one (1) occurrence of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred and fifty-nine (259) mortgage loans reviewed, one hundred sixty-one (161) unique mortgage loans (62.16% by loan count) had a total of three hundred and forty-eight (348) tape discrepancies across thirty-eight (38) 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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;51 | &nbsp;&nbsp;14.66% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;49 | &nbsp;&nbsp;14.08% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;45 | &nbsp;&nbsp;12.93% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;36 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.76% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;20 | &nbsp;&nbsp;5.75% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.46% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.59% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.30% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.01% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Lock Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.86% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Percent of Borrower's Funds for Down Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;NON QM Months Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**348** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;235 | &nbsp;&nbsp;$109055382.00 | &nbsp;&nbsp;90.73% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;24 | &nbsp;&nbsp;$19128979.00 | &nbsp;&nbsp;9.27% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;259 | &nbsp;&nbsp;$128184361.00 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;248 | &nbsp;&nbsp;95.75% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.25% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;259 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results (As applicable, 112 loans within population did not receive a Compliance Review):** | &nbsp;&nbsp;**Compliance Results (As applicable, 112 loans within population did not receive a Compliance Review):** | &nbsp;&nbsp;**Compliance Results (As applicable, 112 loans within population did not receive a Compliance Review):** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;137 | &nbsp;&nbsp;93.20% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;10 | &nbsp;&nbsp;6.80% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;147 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;254 | &nbsp;&nbsp;98.07% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;259 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a 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;171 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;5 |
| &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;Third Party Fraud Report Partially Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &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;ATR Risk | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &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;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient DSCR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Loan Agreement Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Mortgage Insurance Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title/Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 IRS Transcripts Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**310** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**14** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;91 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;9 |
| &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;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Prepayment Penalty Information Unavailable | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Closing Disclosure is Not Executed | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Late Charge Percent is greater than 6% | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**174** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;129 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Valuation product is deficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;External Obsolescence Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**163** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Project – Other Charter Violation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**5** |

---

**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 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 305013334 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects PUD |
| 305013334 | XXXXX |  | DSCR | XXX | XXX | Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Tax + XXX HOA |
| 304868073 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304893699 | XXXXX |  | Property Type | XXX | XXX | Appraisal reflects attached |
| 304874100 | XXXXX |  | Property Type | XXX | XXX |  |
| 304852312 | XXXXX |  | Property Type | XXX | XXX | appraisal reflects attached |
| 304909602 | XXXXX |  | Interest Rate | XXX | XXX | Note dated XX/XX/XXXX reflects XXX% |
| 304909602 | XXXXX |  | P&I | XXX | XXX | Note dated XX/XX/XXXX reflects XXX |
| 304852951 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects XXX |
| 304684693 | XXXXX |  | Loan Purpose | XXX | XXX |  |
| 304495494 | XXXXX |  | As-Is Value | $XXX | $XXX | As is value versus purchase price |
| 304495494 | XXXXX |  | NON QM Months Reserves | XXX | XXX | Months reserves based on funds to close in file |
| 304866893 | XXXXX |  | Property Type | XXX | XXX | Property is an attached PUD |
| 304866893 | XXXXX |  | DSCR | XXX | XXX | $XXX/ XXX = XX/XX/XXXX DSCR |
| 304871809 | XXXXX |  | P&I | XXX | XXX | Note reflects interest only P&I of XXX |
| 304859641 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305037573 | XXXXX |  | P&I | XXX | XXX | Per Note P&I is XXX |
| 305037746 | XXXXX |  | P&I | XXX | XXX | Per Note P&I is XXX |
| 304902425 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 305037681 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins. + XXX HOA = XXX PITIA |
| 305037649 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Prop Tax + XXX Ground Lease = XXX PITIA |
| 305037649 | XXXXX |  | Monthly Taxes | XXX | XXX | XXX Prop Tax + XXX Ground Lease |
| 305037648 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Prop Tax + XXX Ground Lease = XXX PITIA |
| 305037648 | XXXXX |  | Monthly Taxes | XXX | XXX | XXX Prop tax + XXX Ground Lease |
| 305037610 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 305037578 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Insurance + XXX Tax + XXX HOA = XXX PITIA |
| 305047765 | XXXXX |  | P&I | XXX | XXX | XXX P&I per note |
| 305047765 | XXXXX |  | PITIA | XXX | XXX | PITIA is XXX |
| 305047765 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305047765 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rents / XXX PITIA =XXX DSCR |
| 305037809 | XXXXX |  | DSCR | XXX | XXX | ($XXX Main House Rent + XXX ADU Rent) / XXX PITIA = XX/XX/XXXX DSCR |
| 305037593 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX HOI + XXX Tax = XXX PITIA |
| 305037587 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal refelcts XXX of XXX |
| 305037587 | XXXXX |  | Original LTV | XXX | XXX | XXX loan amt / XXX qualifying value = XXX LTV |
| 305050670 | XXXXX |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 305050670 | XXXXX |  | Monthly Taxes | XXX | XXX | Includes County and City taxes |
| 305050665 | XXXXX |  | DSCR | XXX | XXX | XXX% Market Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305050646 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 305050646 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rent / XXX PITIA = XXX DSCR |
| 305050642 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305047767 | XXXXX |  | Property Type | XXX | XXX | Subject property has XXX units |
| 305047767 | XXXXX |  | DSCR | XXX | XXX | XXX market rent / XXX PITIA = XX/XX/XXXX DSCR (No mgmt fees reflected) |
| 305050626 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX Tax = XXX PITIA |
| 305037570 | XXXXX |  | P&I | XXX | XXX | Note reflects XXX P&I |
| 305037570 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins. = XXX PITIA |
| 305050507 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX HOA + XXX TAX = XXX PITIA |
| 305050507 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 305050504 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX HOA + XXX Tax = XXX PITIA |
| 305050504 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA |
| 305050502 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX Tax + XXX HOA = XXX PITIA |
| 305050428 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 305050517 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. + XXX + XXX HOA = XXX PITIA |
| 305047764 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305047764 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 305037583 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins. + XXX HOA = XXX PITIA |
| 305050614 | XXXXX |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins + XXX HOA = XXX |
| 305050614 | XXXXX |  | Property Type | XXX | XXX | Property is a Townhouse |
| 305050523 | XXXXX |  | PITIA | XXX | XXX | XXX PITIA + XXX Ins. + XXX Tax + XXX HOA = XXX PITIA |
| 305050417 | XXXXX |  | PITIA | XXX | XXX | XXX PITIA + XXX Ins. + XXX Tax = XXX PITIA |
| 304844044 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 304844211 | XXXXX |  | P&I | XXX | XXX | Tape P&I is including Flood and Hazard insurance payments |
| 304844211 | XXXXX |  | Monthly Insurance | XXX | XXX | P&I is including Flood and Hazard |
| 304893526 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | $XXX Total available assets prior to close / Audit $XXX Total available assets prior to close / Lender/AUS XXX act #XXX has a higher balance than the lender used in the AUS. $XXX Total available assets post close / Audit |
| 305035829 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Permanent alien per final XXX |
| 305035829 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Taken from appraisal receipt |
| 305035829 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305035829 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Taken from assets provided |
| 305035828 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035828 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Post Close CD |
| 305035828 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305035828 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, less funds to close deposited into Escrow |
| 305035828 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation, less funds to close deposited into Escrow |
| 305035823 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the appraisal receipt |
| 305035823 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the bank statments |
| 305035823 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Verified by the bank statements |
| 305035823 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Verified by the bank statements |
| 304911758 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | B1 is S/E per CPA letter pg.XXX |
| 304911758 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified via statements on file |
| 305035818 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035818 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035818 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statement in file |
| 305035817 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 305035817 | XXXXX |  | Calculated DSCR | XXX | XXX | DSCR calc verified via XXX and I/O payment used for initial payment. |
| 305035817 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035817 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| 304869180 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | CPA Letter |
| 304869180 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Guideline: Cash Out proceeds may be used as reserves CD pg. XXX (To Borrower) XXX |
| 305035812 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final XXX |
| 305035812 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 305035812 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 304903051 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX The DTI of XXX% does not match the XXX and AUS Approval (XXX%). This discrepancy is due to the Qualifying XXX Method in the Note screen. If we select "Greater of Start Rate or Fully Indexed Rate at Fully Amortized Payment," the DTI not matches. XXX In the Qualifying XXX Method on the Note screen, if we select "Greater of the Note Rate + XXX% or the Fully Indexed Rate at Fully Amortized Payment," the DTI of XXX% matches the XXX and AUS Approval. |
| 304859503 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 304902534 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX |
| 304902363 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050684 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXX |
| 305037801 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 305050681 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305037786 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX |
| 305037778 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX |
| 305050668 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated per initial XXX |
| 305037738 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to LO signature initial XXX |
| 305037737 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050657 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 305050649 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX |
| 305037695 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 305037680 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305037680 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per compliance entry. |
| 305037679 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 305037674 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050643 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX using initial XXX |
| 305037659 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 305037653 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 305037652 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated per initial XXX |
| 305037652 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Updated from Final Closing Disclosure. |
| 304898135 | XXXXX |  | Property Type | XXX | XXX | According to the appraisal this is a XXX property |
| 305037643 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX |
| 305037643 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the Final CD. |
| 305037639 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 305037634 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 305037634 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 305037634 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per liabilities - DTI is higher than lender by XXX% due to the REO expenses not matching to lender. The difference in the total is XXX it appears one REO on the final XXX for B2 is not showing as counted into DTI, credit review counted ALL expenses for every property that is in the file. Still qualifying under the XXX% max DTI per guidelines. |
| 305037629 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305037629 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% audit DTI. The lender's income calculation is inconsistent with the Borrower's qualifying income per Final XXX/XXX. The income calc indicates monthly income of XXX $XXX< the qualifying income of $XXX. |
| 305037624 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305037617 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated per initial XXX |
| 305037617 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated based on the signature dates, compliance must have changed and it was left as is. Dated on final CD states XX/XX/XXXX and no PCCD found in file. |
| 305037608 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXX |
| 305037602 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX per initial XXX |
| 305037595 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX using initial XXX |
| 305050603 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050596 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 305050596 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
| 305037566 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050548 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXX |
| 305050515 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, per initial XXX |
| 305050412 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXX |
| 304875038 | XXXXX |  | Amortization Term | XXX | XXX | XXX was confirmed with XXX & Note |
| 304875038 | XXXXX |  | Property Type | XXX | XXX | Per appraisal |
| 305035796 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 305035796 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets, post close |
| 305035796 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Updated assets |
| 305035788 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 305035788 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 305035788 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO score verified via credit report. |
| 305035788 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035788 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| 305035781 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 305035781 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035781 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| 305035781 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305035777 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final XXX |
| 305035777 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035777 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Post Close CD |
| 305035777 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per subject housing expense and asset documentation, less undocumented deposits and additional funds to close reflected on Post Close CD |
| 305035777 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, less undocumented deposits and additional funds to close reflected on Post Close CD |
| 305035777 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation, less undocumented deposits and additional funds to close reflected on Post Close CD |
| 305035773 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt docs. |
| 305035773 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035773 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035769 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035769 | XXXXX |  | Qualifying CLTV | XXX | XXX | XXX / uw value |
| 305035769 | XXXXX |  | Qualifying LTV | XXX | XXX | XXX / uw value |
| 305035769 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035769 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Field review value |
| 305035769 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| 305035769 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305035756 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035756 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset statements minus reserves |
| 305035756 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements minus reserves |
| 305035751 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 305035751 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets, including retirement account |
| 305035751 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Updated assets, excluding assets |
| 305035751 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Updated assets |
| 305035750 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the appraisal receipt |
| 305035750 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the bank statements |
| 305035750 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Verified by the bank statements |
| 305035750 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Verified by the bank statements |
| 305035749 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt docs. |
| 305035749 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035749 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035749 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035748 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 305035748 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035748 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| 305035745 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035745 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary wage earners fico used. |
| 305035745 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Cannot use gift funds to cover reserves. |
| 305035745 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 305035744 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is a FTHB |
| 305035744 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035744 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035744 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset statements in file |
| 305035744 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements in file |
| 305035742 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035742 | XXXXX |  | Mortgage Origination Channel | XXX | XXX | Per loan approval |
| 305035742 | XXXXX |  | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 305035742 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset statements |
| 305035742 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements minus reserves |
| 305035740 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035740 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305035740 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 305035736 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035736 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets in file |
| 305035736 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Taken from assets in file |
| 305035736 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Taken from assets in file |
| 305035735 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035735 | XXXXX |  | Reviewed Appraised Property Value | $XXX | $XXX | Desk review shows lower value at XXX |
| 305035735 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Does not include cash out proceeds. |
| 305035735 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 305035733 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 305035733 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets to cover reserves |
| 305035733 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Updated assets to cover reserves |
| 305035733 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Updated assets to cover reserves |
| 305035728 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035728 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| 305035728 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305025798 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt page XXX |
| 305025798 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 305025798 | XXXXX |  | Qualifying FICO | XXX | XXX | Per Credit Report |
| 305025798 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305025798 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per assets statements in file |
| 305025798 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per assets statements in file |
| 305035713 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035713 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305035713 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation |
| 305035713 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 305035712 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 305035712 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035712 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305035709 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035709 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305035709 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation |
| 305035709 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation, including gift funds |
| 305035707 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt docs. |
| 305035707 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035707 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035696 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 305035696 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Disb date updated |
| 305035696 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035696 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Updated assets |
| 305035693 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035693 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035693 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305035687 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035687 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, excluding gift funds, and, subject housing expsense |
| 305035687 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, excluding gift funds |
| 305035687 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation, excluding gift funds |
| 305035683 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final XXX |
| 305035683 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date verified. |
| 305035683 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035683 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets verified. |
| 305035683 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Assets verified. |
| 305035673 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035673 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, cash out and housing expense |
| 305035673 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, excluding cash out |
| 305035673 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 305035668 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035668 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035668 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset statements in file |
| 305035668 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements in file |
| 305035663 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the appraisal receipt |
| 305035663 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the CD |
| 305035663 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the bank statements |
| 305035663 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Verified by the bank statements |
| 305035663 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Verified by the bank statements |
| 305035661 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035661 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements in file |
| 305035660 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date |
| 305035660 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets |
| 305035660 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Taken from assets |
| 305035660 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Taken from assets |
| 305035648 | XXXXX |  | Property Type | XXX | XXX | Row housing. |
| 305035648 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305035648 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Does not include XXX exchange funds. |
| 305035648 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 305035641 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is FTHB |
| 305035641 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035641 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035632 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Appraisal receipt date updated |
| 305035632 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035632 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Updated assets |
| 305035632 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Updated assets |
| 305035630 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035630 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035630 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements in file |
| 305035624 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt docs. |
| 305035624 | XXXXX |  | Qualifying FICO | XXX | XXX | Confirmed on the credit report. Guidelines require use of the primary wage earner middle score. |
| 305035624 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035624 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035620 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on the appraisal receipt docs. |
| 305035620 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035620 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035618 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, less unverified EMD of XXX and including subject housing expense |
| 305035618 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 305035617 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per XXX |
| 305035617 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035617 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035617 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements minus reserves |
| 305035615 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 305035615 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per cash out and subject housing expense |
| 305035615 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Asset documentation nor required |
| 305035615 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Asset documentation nor required |
| 305035611 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final XXX |
| 305035611 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035611 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035611 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Per asset docs |
| 305035611 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset docs |
| 305035606 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Confirmed on the final XXX and XXX card. |
| 305035606 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035606 | XXXXX |  | Total Liquid Assets Available For Close | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035606 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035601 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per XXX |
| 305035601 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt in file |
| 305035601 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per current asset statements |
| 305035601 | XXXXX |  | Total Qualified Assets Available | XXX | XXX | Per asset statements minus reserves |
| 304908677 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Per asset docs in file |
| 304909879 | XXXXX |  | Interest Rate | XXX | XXX | Interest rat is XXX% |
| 304896763 | XXXXX |  | Originator DSCR | XXX | XXX | Confirmed the XXX as XXX as per the XXX |
| 304896763 | XXXXX |  | Property Type | XXX | XXX | Confirmed the XXX as a PUD as per the full appraisal and Deed of Trust |
| 305023971 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | verified XXX per note XXX |
| 305024033 | XXXXX |  | Amortization Term | XXX | XXX | Note confirms XXX Year Fixed with XXX Year IO period and subsequent XXX year amortization. |
| 305024034 | XXXXX |  | Amortization Term | XXX | XXX | The Note reflects a XXX year term. |
| 305024039 | XXXXX |  | Amortization Term | XXX | XXX | confirmed per note, XXX term, first XXX interest only. |
| 305024039 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | confirmed per note, XXX is XXX |
| 305024040 | XXXXX |  | Amortization Term | XXX | XXX | Loan is for a term of XXX months, however it is a XXX Yr fixed with a XXX Yr I/O initial period, so the amortization will be XXX months as per final note. |
| 305024040 | XXXXX |  | Property Type | XXX | XXX | XXX of PUD is correct as per final full appraisal. |
| 305047131 | XXXXX |  | Property Type | XXX | XXX | XXX of XXX is correct and matches. |
| 305027443 | XXXXX |  | Property Type | XXX | XXX | XXX is correct as a PUD detached as per appraisal in file. |
| 305027454 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Confirmed the XXX of XXX as per the Note |
| 305034651 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is |
| 305029202 | XXXXX |  | Property Type | XXX | XXX | The appraisal reflects the property is attached. |
| 305029227 | XXXXX |  | Property Type | XXX | XXX | Confirmed the subject property is located in a PUD. |
| 305029726 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI matches XXX DTI, within tolerance |
| 305029729 | XXXXX |  | Amortization Term | XXX | XXX | The note reflects the term of the loan is XXX years. |
| 305057821 | XXXXX |  | Amortization Term | XXX | XXX | Confirmed the amort term as XXX from the Note |
| 305031474 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | tape data is correct, per lock confirmation |
| 305031713 | XXXXX |  | Interest Rate | XXX | XXX | The Note confirms XXX of XXX%. |
| 305042021 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is off by XXX% as compared to the AUS and off by XXX% as compared to the XXX The difference is found in the property expenses for the B1&XXX primary residence, as well as the property just sold (XXX XXX). |
| 304872516 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Borrower first name is correct as per loan application and final note. |
| 304872516 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Borrower last name is correct as per loan application and final note. |
| 304872516 | XXXXX |  | Number of Units | XXX | XXX | XXX per appraisal is a XXX unit property, with XXX leases also provided. |
| 304872516 | XXXXX |  | Property Type | XXX | XXX | XXX per appraisal is a XXX unit property, with XXX leases also provided. |
| 305037848 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI exceeds lender due to lender using the incorrect expense factor |
| 304894650 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Confirmed with Note Document |
| 305047133 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXX per lock confirmation |
| 304908744 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Validated B1 is not a FTHB as both borrowers own their departing primary and REO. |
| 304908744 | XXXXX |  | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Validated XXX as XX/XX/XXXX with lock confirmation provided. Compliance to correct XXX. |
| 304908744 | XXXXX |  | Percent of Borrower's Funds for Down Payment | XXX | XXX | Validated borrowers assets with asset documents provided. |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304494957 | XXX-6906 | 2/7/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing Deed from XXX to XXX | XX/XX/XXXX XXX: Please see attached deed. | XXX: Received conveyance deed |  | Cleared | 2/12/2025 | D A |
| XXX | XXXXX | 304734771 | XXX-10042 | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXXXX | 304847781 | XXX-11573 | 10/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX LTV XXX% | Acknowledged | 10/23/2025 | B |
| XXX | XXXXX | 304847781 | XXX-11608 | 10/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment in file is missing lender's name. Please provide updated title policy with lender's name & ISAOA/ATIMA verbiage | XX/XX/XXXX: Please see attached. | XXX: Received |  | Cleared | 11/26/2025 | C A |
| XXX | XXXXX | 304866785 | XXX-12115 | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXXXX | 304866785 | XXX-12116 | 11/17/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | XXX Hazard insurance coverage < XXX minimum coverage required | XX/XX/XXXX - XXX: Please see the attached replacement cost estimate. | XXX: Received |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304868073 | XXX-12198 | 11/18/2025 | Property | Appraisal Documentation | Market Rent - Missing or Defective | Missing XXX market rent For subject property : XXX XXX. Unable to calculate DSCR | XX/XX/XXXX: XXX | XXX: Received, DSCR XX/XX/XXXX |  | Cleared | 1/15/2026 | D A |
| XXX | XXXXX | 305013334 | XXX-12570 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received |  | Cleared | 12/9/2025 | D A |
| XXX | XXXXX | 305013324 | XXX-12577 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received |  | Cleared | 12/9/2025 | D A |
| XXX | XXXXX | 305013325 | XXX-12602 | 12/5/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX XXX | XX/XX/XXXX: Attached. | XXX: Received |  | Cleared | 12/9/2025 | D A |
| XXX | XXXXX | 305013324 | XXX-12617 | 12/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/5/2025 | B |
| XXX | XXXXX | 304894632 | XXX-12128 | 11/17/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Insurance Policy in file is missing the mortgagee clause and lender's name. Please provide updated title insurance policy with ISAOA/ATIMA verbiage and Lender name. | XX/XX/XXXX: Please see attached | XXX: Received |  | Cleared | 12/18/2025 | C A |
| XXX | XXXXX | 304477566 | XXX-7050 | 1/27/2025 | Credit | Title/Lien | Title/Lien | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX RF please see attached please clear thank you XX/XX/XXXX RF please see attached please clear thank you | XXX: Received XXX: Marked up title cannot be accepted, please provide updated title |  | Cleared | 1/29/2025 | C A |
| XXX | XXXXX | 304705154 | XXX-9171 | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXXXX | 304707675 | XXX-9366 | 6/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 6/5/2025 | A |
| XXX | XXXXX | 304684693 | XXX-9442 | 6/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX | XX/XX/XXXX: Title Policy | XX/XX/XXXX: Received |  | Cleared | 6/11/2025 | D A |
| XXX | XXXXX | 304811760 | XXX-10611 | 8/29/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | XX/XX/XXXX: attached | XXX: Received |  | Cleared | 9/25/2025 | C A |
| XXX | XXXXX | 304748770 | XXX-10817 | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304813303 | XXX-11026 | 10/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/1/2025 | A |
| XXX | XXXXX | 304847783 | XXX-11087 | 10/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Tittle insurance coverage < XXX minimum coverage required | XX/XX/XXXX: Waived | XXX: Waived via overlay | DSCR XXX FICO XXX LTV XXX% | Acknowledged | 10/3/2025 | B |
| XXX | XXXXX | 304847784 | XXX-11088 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304867977 | XXX-11373 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304826967 | XXX-11493 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304858952 | XXX-11635 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304852951 | XXX-11916 | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/5/2025 | A |
| XXX | XXXXX | 304893824 | XXX-11881 | 11/14/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Subject Property lease term is XXX years which makes it ineligible per guidelines. Guideline maximum Lease Term is XXX months. | XX/XX/XXXX: Lease is acceptable as there are less than XXX years remaining in the XXX year term | XXX: Confirmed less than XXX years left in the term of the lease |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304871987 | XXX-12111 | 11/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/14/2025 | A |
| XXX | XXXXX | 304874746 | XXX-12167 | 11/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/19/2025 | A |
| XXX | XXXXX | 304874100 | XXX-12219 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXXXX | 304888285 | XXX-12228 | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXXXX | 304893699 | XXX-12280 | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXXXX | 304973614 | XXX-12333 | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXXXX | 304846321 | XXX-12388 | 12/1/2025 | Credit | Credit Eligibility | Significant Derogatory Credit Event – Requirement Not Met | Credit report reflects XXX: XXX day late and XXX: XXX day late mortgage payments. It does not specify the dates of missed mortgages. Please opine | XX/XX/XXXX CW: Credit supplement clarified these occurred in XXX see attached. | XXX: Received |  | Cleared | 12/2/2025 | C A |
| XXX | XXXXX | 304872627 | XXX-12425 | 12/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/2/2025 | A |
| XXX | XXXXX | 304852312 | XXX-12430 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/3/2025 | A |
| XXX | XXXXX | 304874322 | XXX-12492 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/3/2025 | A |
| XXX | XXXXX | 304873981 | XXX-12529 | 12/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/3/2025 | A |
| XXX | XXXXX | 304896372 | XXX-12541 | 12/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/4/2025 | A |
| XXX | XXXXX | 304909602 | XXX-12561 | 12/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/5/2025 | A |
| XXX | XXXXX | 304874320 | XXX-12590 | 12/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XX/XX/XXXX: Waived via overlay | XXX: Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 12/8/2025 | B |
| XXX | XXXXX | 304895014 | XXX-12608 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304908707 | XXX-12621 | 12/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/8/2025 | A |
| XXX | XXXXX | 304848521 | 10011334266 | 9/9/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance in file is a premium estimate. Missing additional interested party and mortgagee clause. | XX/XX/XXXX: Uploaded | XXX: Clear |  | Cleared | 11/20/2025 | C A |
| XXX | XXXXX | 304848475 | 9974179807 | 9/4/2025 | Credit | Asset Calculation/Analysis | Insufficient Assets for Reserves | Insuffcient assets for reserves: Borrower has XXX XX/XX/XXXX months reserves < XXX months reserve minimum per guidelines. Not utilizing XXX Acct #XXX, most recent statement balance is from XX/XX/XXXX XXX, greater than XXX months from origination | XX/XX/XXXX: Team - please waive XXX) XXX yr PPP and XXX) closed XXX% below max lev | XXX: Waived | FICO XXX% LTV, 5yr PPP | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304779741 | XXX-142 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304728948 | XXX-106 | 7/2/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Articles Of Organization for XXX | XX/XX/XXXX: Please see attached. Starts on page XXX | XXX: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXXXX | 304898583 | XXX-78 | 12/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 304898534 | XXX-39 | 12/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX: Clear | XXX: Clear |  | Cleared | 12/11/2025 | A |
| XXX | XXXXX | 304495494 | 8445862749 | 2/10/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX | XXX: WD | XXX: Received conveyance deed. |  | Cleared | 2/14/2025 | D A |
| XXX | XXXXX | 304495494 | 8446284789 | 2/10/2025 | Property | Property Eligibility | Ineligible Project – Other Charter Violation | Condo project contains significant deferred maintenance due to stairs/decks and balcony still being under construction. Per UWG, projects with significant deferred maintenance are ineligible. | XXX: NQM exception approval in file. | XXX: NQM exception approval received. | XXX months reserves greater than program requirement, DSCR > XX/XX/XXXX | Acknowledged | 2/10/2025 | D B |
| XXX | XXXXX | 304866893 | 18067855688 | 9/29/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing Conveyance Deed from XXX | XXX: Deed | XXX: Received Deed |  | Resolved | 10/1/2025 | D A |
| XXX | XXXXX | 304893335 | XXX-1 | 11/10/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304902654 | XXX-1 | 11/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/18/2025 | A |
| XXX | XXXXX | 304902722 | XXX-1 | 11/20/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/20/2025 | A |
| XXX | XXXXX | 304871809 | XXX-1 | 11/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/24/2025 | A |
| XXX | XXXXX | 304859641 | XXX-1 | 11/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 11/26/2025 | A |
| XXX | XXXXX | 304893083 | 10675852510 | 12/1/2025 | Property | Property Eligibility | Ineligible Property | Subject Property: XXX is a Single Family Residence, and is leasing individual rooms. Per guides, properties offering individual room leases are ineligible. | XXX: Exception Approval uploaded | XXX: Received Exception Approval | Experienced Investor, XX/XX/XXXX DSCR, MTG ratings XXX on primary | Acknowledged | 12/2/2025 | C B |
| XXX | XXXXX | 305026823 | XXX-1 | 12/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/12/2025 | A |
| XXX | XXXXX | 305026778 | XXX-1 | 12/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/26/2025 | A |
| XXX | XXXXX | 305037633 | 11052829368 | 1/20/2026 | Property | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance for Subject Property: XXX | XXX: Uploaded Hazard Policy | XXX: Received Hazard Policy |  | Cleared | 2/4/2026 | D A |
| XXX | XXXXX | 305037633 | 11052837054 | 1/20/2026 | Property | Property Data Collection | Ineligible Property | Missing evidence of rental listing for subject property: XXX | XXX: Rescind | XXX: Rescind |  | Cleared | 1/30/2026 | D A |
| XXX | XXXXX | 305037633 | 11052841432 | 1/20/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Please provide and executed copy of the Operating Agreement for XXX | XXX: Rescind | XXX: Rescind |  | Cleared | 1/20/2026 | C A |
| XXX | XXXXX | 305037637 | XXX-1 | 1/26/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/26/2026 | A |
| XXX | XXXXX | 305037573 | XXX-1 | 1/30/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 1/30/2026 | A |
| XXX | XXXXX | 305037746 | 11147274219 | 1/30/2026 | Credit | Title/Lien | Title Insurance Missing or Defective | Lender on Title Commitment does not match Lender on Note. Please upload Updated Title with ISAOA clause | XXX: Title Uploaded | XXX: Received Title |  | Cleared | 2/2/2026 | C A |
| XXX | XXXXX | 305037699 | 11164349057 | 2/2/2026 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title coverage < XXX minimum coverage required. Please provide with updated title report. | XXX: Updated Title Coverage | XXX: Updated Title Coverage |  | Cleared | 2/3/2026 | C A |
| XXX | XXXXX | 305037649 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 305037610 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 304902425 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 305037648 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 305037578 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 305037681 | XXX-1 | 2/2/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/2/2026 | A |
| XXX | XXXXX | 305047765 | 11175426066 | 2/3/2026 | Credit | Credit | Note Missing or Defective | Missing Prepayment Addendum | XXX: PPP uploaded | XXX: Received PPP |  | Cleared | 2/12/2026 | D A |
| XXX | XXXXX | 305047765 | 11175480246 | 2/3/2026 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XXX: BPO | XXX: Received BPO |  | Cleared | 2/6/2026 | D A |
| XXX | XXXXX | 305037809 | XXX-1 | 2/3/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/3/2026 | A |
| XXX | XXXXX | 305037587 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/4/2026 | A |
| XXX | XXXXX | 305037726 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/4/2026 | A |
| XXX | XXXXX | 305037593 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/4/2026 | A |
| XXX | XXXXX | 305037571 | XXX-1 | 2/4/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/4/2026 | A |
| XXX | XXXXX | 305050670 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305050673 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305050665 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305050604 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305050642 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305050646 | XXX-1 | 2/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/5/2026 | A |
| XXX | XXXXX | 305047767 | 11199224918 | 2/5/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Lease Agreement for tenant XXX in unit XXX expires XX/XX/XXXX with no renewal provisions | XXX: Uploaded Exception Waiver | XXX: Received Exception Waiver | DSCR > XXX LTV under XXX% XXX months reserves | Acknowledged | 2/18/2026 | C B |
| XXX | XXXXX | 305050658 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/6/2026 | A |
| XXX | XXXXX | 305050651 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/6/2026 | A |
| XXX | XXXXX | 305050598 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/6/2026 | A |
| XXX | XXXXX | 305050626 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/6/2026 | A |
| XXX | XXXXX | 305050678 | XXX-1 | 2/6/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/6/2026 | A |
| XXX | XXXXX | 305050579 | 11243781090 | 2/10/2026 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | The Title Commitment reflects the subject property as vested in XXX XXX. Please provide the Operating Agreement for XXX XXX to confirm that borrowers XXX are the owners of this entity. | XXX: Quit Claim Deed | XXX: Received Quit Claim Deed |  | Cleared | 2/11/2026 | C A |
| XXX | XXXXX | 305037774 | 11241605195 | 2/10/2026 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX% LTV > XXX% max LTV for a cash-out refinance with a credit score of XXX | XXX: Exception Approval Uploaded | XXX: Received Exception Approval | Experienced Investor, FICO > XXX DSCR > XX/XX/XXXX | Acknowledged | 2/11/2026 | C B |
| XXX | XXXXX | 305037607 | XXX-1 | 2/10/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/10/2026 | A |
| XXX | XXXXX | 305050502 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/12/2026 | A |
| XXX | XXXXX | 305050428 | 11261166717 | 2/12/2026 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Title coverage of XXX < XXX minimum required. | XXX: Title report | XXX: Received updated Title Report |  | Cleared | 2/13/2026 | C A |
| XXX | XXXXX | 305037570 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/12/2026 | A |
| XXX | XXXXX | 305050507 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/12/2026 | A |
| XXX | XXXXX | 305050504 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/12/2026 | A |
| XXX | XXXXX | 305050570 | XXX-1 | 2/12/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/12/2026 | A |
| XXX | XXXXX | 305050517 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/13/2026 | A |
| XXX | XXXXX | 305050522 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/13/2026 | A |
| XXX | XXXXX | 305050664 | XXX-1 | 2/13/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/13/2026 | A |
| XXX | XXXXX | 305047764 | XXX-1 | 2/16/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/16/2026 | A |
| XXX | XXXXX | 305037583 | XXX-1 | 2/18/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/18/2026 | A |
| XXX | XXXXX | 305050614 | XXX-1 | 2/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/19/2026 | A |
| XXX | XXXXX | 305050523 | XXX-1 | 2/19/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/19/2026 | A |
| XXX | XXXXX | 305050417 | 11328989255 | 2/20/2026 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. | XX/XX/XXXX: loan did not disburse/fund until XX/XX/XXXX. see final settlement statement | XXX: Received final settlement statement |  | Cleared | 2/24/2026 | C A |
| XXX | XXXXX | 305050660 | XXX-1 | 2/20/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/20/2026 | A |
| XXX | XXXXX | 305050501 | 11327856341 | 2/20/2026 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance effective date of XX/XX/XXXX is after the disbursement date of XX/XX/XXXX. Please provide updated coverage effective on or before the disbursement date. | XXX: Final Settlement Statement | XXX: Received final settlement statement |  | Cleared | 2/23/2026 | C A |
| XXX | XXXXX | 305050583 | XXX-1 | 2/23/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/23/2026 | A |
| XXX | XXXXX | 305037783 | XXX-1 | 2/24/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/24/2026 | A |
| XXX | XXXXX | 305050580 | XXX-1 | 2/24/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 2/24/2026 | A |
| XXX | XXXXX | 305050557 | 11366281049 | 2/25/2026 | Credit | Assets | Insufficient Assets to Close | XXX Assets < XXX Minimum required liquidity for reserves. Please provide additional assets. | XXX: Uploaded Settlement Statement from concurrent cash-out loan | XXX: Received Settlement Statement from concurrent cash-out loan |  | Cleared | 2/26/2026 | C A |
| XXX | XXXXX | 304844044 | XXX-1 | 9/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304731515 | 10087162858 | 9/18/2025 | Credit | Credit | Closing Disclosure/Settlement Statement Missing or Defective | Missing final Settlement Statement, only HUD in file is an Estimated Closing Statement. | XXX: Docs uploaded | XXX: Received |  | Cleared | 9/19/2025 | D A |
| XXX | XXXXX | 304731515 | 10087318351 | 9/18/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance includes Extended Coverage. Please provide a description of the policy's Extended Coverage to confirm XXX coverage | XXX: Uploaded extended coverage | XXX: Received extended coverage |  | Cleared | 9/26/2025 | C A |
| XXX | XXXXX | 304859560 | 18184534088 | 10/14/2025 | Credit | Loan Documentation | Entity Documentation - Missing or Defective | Missing Executed Operating Agreement for borrowing entity, XXX | XXX: OA | XXX: Received OA |  | Cleared | 10/23/2025 | D A |
| XXX | XXXXX | 304844211 | XXX-1 | 10/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304859560 | 18184487932 | 10/14/2025 | Credit | Borrower and Mortgage Eligibility | Guaranty Missing or Defective | Missing Personal Guarantees from borrowers XXX | XXX: Guaranty | XXX: Received guaranty |  | Cleared | 10/23/2025 | D A |
| XXX | XXXXX | 304859755 | XXX-1 | 10/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304893526 | FCRE1186 | 12/16/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX was excluded by the lender. Auto leases are not allowed to be excluded for < XXX payment left. Missing documentation to support account is paid in full/closed. Liabilities increased from XXX to XXX The DTI has increased from XXX% to XXX%. Due to the increase above XXX% Resubmission to the AUS is required or provide proof the Auto lease is paid and closed with Zero Balance to support omission. | revised du, XXX & XXX upld | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%. Resubmitted DU provided to include previously omitted lease. DTI meets guidelines. Condition cleared. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304893526 | FCOM8997 | 12/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/3/2025 | A |
| XXX | XXXXX | 304893526 | FPRO8998 | 12/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/3/2025 | A |
| XXX | XXXXX | 305035829 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035829 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035829 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035828 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035828 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035828 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035823 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035823 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035823 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305031009 | finding-3634 | 12/23/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The increase to the Appraisal fee on the LE dated XX/XX/XXXX was not accepted. The file did contain a COC dated XX/XX/XXXX on page XXX however, the reason for the increase is not acceptable reason to increase the fee. Please provide a valid COC or cure package. | Document Uploaded. PCCD, LOE, copy of check, tracking; Document Uploaded. COC and redisclosure uploaded | Cure package provided to the borrower; exception downgraded to a XXX/B; COC reviewed and reason for the increase is invalid. Appraisal invoice in file does not verify any additional services provided. Please provide a cure package for the tolerance violation. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 305031009 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 305031009 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304911758 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304911758 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304911758 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 305035818 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035818 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035818 | FCRE8999 | 1/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035817 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035817 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035817 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 304869180 | FPRO8998 | 12/8/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/8/2025 | A |
| XXX | XXXXX | 304869180 | FCRE8999 | 12/8/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/8/2025 | A |
| XXX | XXXXX | 304872535 | FCOM1227 | 1/29/2026 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | XX/XX/XXXX - XXX: Please see the attached revised security instrument that includes the PUD Rider. | The PUD Rider is Present or is Not Applicable (XXX is PUD) | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D A |
| XXX | XXXXX | 304872535 | FCOM8997 | 12/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/3/2025 | A |
| XXX | XXXXX | 304872535 | FPRO8998 | 12/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/3/2025 | A |
| XXX | XXXXX | 305035812 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035812 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035812 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 304903051 | FCRE1185 | 12/12/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided Provide AUS only ineligible for XXX. #XXX must be removed. | Document Uploaded. | AUS is not incomplete | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304903051 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 304903051 | FCOM8997 | 12/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 304903051 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 304859503 | FVAL9739 | 11/4/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Lender exception request for approval to proceed with a cash-out refinance although the property was listed for sale within the last six months. Approved on XX/XX/XXXX by Lender |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304859503 | finding-3652 | 11/4/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial LE dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC verifies change date of XX/XX/XXXX which was redisclosed on XX/XX/XXXX. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/4/2025 | C A |
| XXX | XXXXX | 304859503 | FCRE7497 | 11/4/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | New Primary residence being purchased at XXX is missing in the file the verification of the new principal and interest payment, the property tax and insurance is in the file. Full PITIa XXX used to qualify in DTI is not supported in file. | Document Uploaded. | Verification of PITIA for XXX XXX was provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/4/2025 | D A |
| XXX | XXXXX | 304902534 | FCOM8997 | 1/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A |
| XXX | XXXXX | 304902534 | FPRO8998 | 1/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A |
| XXX | XXXXX | 304902534 | FCRE8999 | 1/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/29/2026 | A |
| XXX | XXXXX | 304902363 | finding-3635 | 2/24/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX 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 §XXX(e)(XXX)(vi). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The XXX% tolerance violation is due to the increase of the Recording Fee from XXX to XXX on the Final CD and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Cured |  | C B |
| XXX | XXXXX | 304902363 | finding-3352 | 2/24/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/24/2026 | A |
| XXX | XXXXX | 304902363 | FCRE8999 | 2/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/20/2026 | A |
| XXX | XXXXX | 304902363 | FPRO8998 | 2/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/20/2026 | A |
| XXX | XXXXX | 305050684 | finding-3634 | 2/24/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required Refund in the amount of XXX Cure package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the Appraisal Fee increase from XXX to XXX on the LE dated XX/XX/XXXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package | Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B; COC did provide a valid reason for the fee to increase, in addition the appraisal was ordered in Nov and paid for by the borrower in Dec, however it wasn't disclosed until XX/XX/XXXX which is not considered timely | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 305050684 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050684 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037801 | finding-3352 | 2/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305037801 | FCRE8999 | 2/4/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305037801 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305050681 | FCOM8997 | 2/10/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050681 | FCRE8999 | 2/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050681 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305037786 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037786 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037786 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037778 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037778 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037778 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305050668 | FCRE1196 | 2/26/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 305050668 | FCRE1195 | 2/26/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 305050668 | FCRE1194 | 2/26/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Rural property per the appraisal. Lender exception not found in the file. | Document Uploaded. | Client exception provided. Client stated, "LTV Exception Approved." Comp Factor #XXX: Strong Pay History Comp Factor #XXX: Residual Income is high Comp Factor #XXX: Value well supported | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 305050668 | finding-3352 | 2/25/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A |
| XXX | XXXXX | 305050668 | FPRO8998 | 2/25/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/25/2026 | A |
| XXX | XXXXX | 305037738 | FCRE8999 | 2/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037738 | FPRO8998 | 2/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037738 | FCOM8997 | 2/11/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037737 | FCRE8999 | 2/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305037737 | FPRO8998 | 2/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305037737 | FCOM8997 | 2/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305050657 | finding-3634 | 2/13/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the discount points fee from XXX to XXX and the Broker fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/13/2026 | C A |
| XXX | XXXXX | 305050657 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305050657 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305050649 | FCOM8997 | 2/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305050649 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305050649 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305037695 | FCRE1440 | 2/12/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines state that living rent free is not allowed when there are rent amounts listed on the XXX There is a letter of explanation in the file stating the borrower has lived rent free since XXX Lender exception not found. | Document Uploaded. | Housing History Meets Guideline Requirements; Exception provided by client. ; Housing History Does Not Meet Guideline Requirements Guidelines state that living rent free is not allowed when there are rent amounts listed on the XXX There is a letter of explanation in the file stating the borrower has lived rent free since XXX Lender exception not found. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | C A |
| XXX | XXXXX | 305037695 | finding-3352 | 2/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037695 | finding-2623 | 2/5/2026 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX(XXX), XXX(XXX) sing 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) hile 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 compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037695 | FPRO8998 | 2/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037680 | FCOM3608 | 2/18/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required: Intent to proceed | Document Uploaded. | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/18/2026 | B A |
| XXX | XXXXX | 305037680 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305037680 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305037679 | FCOM8997 | 2/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037679 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes A |
| XXX | XXXXX | 305037679 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | Hi there! - do you need anything from us to clear this condition? - Thx | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes A |
| XXX | XXXXX | 305037674 | FCOM8997 | 2/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305037674 | FCRE8999 | 2/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305037674 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305050643 | finding-2962 | 2/27/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050643 | finding-3352 | 2/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050643 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050643 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305037659 | FCOM8997 | 2/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037659 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037659 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305037653 | FCRE1440 | 2/10/2026 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments. | Document Uploaded. Please see guidelines for VORs.; Document Uploaded. Hi, per our UW - Our LTV is @ XXX% and borrowers mid FICO is XXX | Housing History Meets Guideline Requirements; Verified file is updated with: LTV is @ XXX% and borrowers mid FICO is XXX However, Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments.; Housing History Does Not Meet Guideline Requirements The Lender Guideline requires a XXX month rental history. A VOR was provided, however, the property is a single family home (per Google search) and not an apartment. Therefore, proof of XXX months payments via cancelled checks or bank statements is required. The loan file includes proof of XXX months payments. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 305037653 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037653 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037652 | FCRE1193 | 2/24/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The income is lower than lender total by $XXX. The account with XXX XXX #XXX matches up to the lender worksheet for the bank statement deposit breakdown but the totals are not matching for the total deposits. | Document Uploaded. The XXX XXX statement is the file and income was recalculated using XXX XXX instead of XXX XXX Please see correct income worksheet ; Thank you for the info. I do not have the worksheet, and we do not have access in this platform to see it. Can you email to me, XXX, or upload here. I need this to send over to my u/w and point out the differences. Appreciate it!; please provide your calculations used so we can compare to our income worksheet. Thank you. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audit Income Calculation Worksheet provided. Discrepancy observed between total income calculations for acct XXX. Lender calculation worksheet in file reflects a total of $XXX; however, audit calc totals $XXX. Countered. Please provide source for the additional allowable deposit. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/24/2026 | C A |
| XXX | XXXXX | 305037652 | FCRE1183 | 2/24/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Client provided updated income worksheet with income reflected as XXX from this source. Final XXX and applicable docs reflect $XXX. Income does not match. Please provide evidence that income coincides throughout file. | Document Uploaded. | Approval/Underwriting Summary is fully present; XXX and XXX updated with corrected income. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/24/2026 | B A |
| XXX | XXXXX | 305037652 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305037652 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305037652 | FPRO8998 | 2/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 304898135 | FCRE8999 | 11/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898135 | FPRO8998 | 11/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898135 | FCOM8997 | 11/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/11/2025 | A |
| XXX | XXXXX | 304898120 | FCRE8999 | 11/7/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A |
| XXX | XXXXX | 304898120 | FCOM8997 | 11/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A |
| XXX | XXXXX | 304898120 | FPRO8998 | 11/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/7/2025 | A |
| XXX | XXXXX | 304898098 | FCOM8997 | 11/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304898098 | FCRE8999 | 11/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 304898098 | FPRO8998 | 11/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2025 | A |
| XXX | XXXXX | 305037643 | finding-47 | 2/7/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | Cure Required: Right to cancel was signed by the borrower on XX/XX/XXXX and the expiration of the right to cancel is noted as XX/XX/XXXX. Per the Final CD, disbursement occurred on XX/XX/XXXX. Therefore, borrower did not receive XXX days to cancel. In order to cure rescission needs to be re-opened and a PCCD, LOE, copy of RTC with new XXX day rescission period and proof of delivery is required. This loan failed the TILA right of rescission test losed-end (12 CFR §XXX(a)(XXX), transferred from 12 CFR §XXX(a)(XXX)), Open-end (12 CFR §XXX(a)(XXX), transferred from 12 CFR §XXX(a)(XXX) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last. | Document Uploaded. | PCCD provided with updated disbursement date; Exception resolved; PCCD provided with updated disbursement date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/7/2026 | C A |
| XXX | XXXXX | 305037643 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037643 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037639 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037639 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037639 | finding-3352 | 2/2/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037634 | FCRE1198 | 2/13/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. |  | Rescinded |  | C A |
| XXX | XXXXX | 305037634 | FCRE9995 | 2/13/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. |  | Rescinded |  | C A |
| XXX | XXXXX | 305037634 | FCRE3843 | 2/13/2026 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. | Document Uploaded. | Assets and reserves appears sufficient. Rescinded. ; The required number of months reserves are to be seasoned does not meet Guideline requirement. Please provide additional asset statements to cover the required reserves of REO and subject. All investment REOs are financed and require XXX months in reserves per guidelines. There is a difference between lender and credit review final expense total to note. |  | Rescinded |  | A |
| XXX | XXXXX | 305037634 | FCRE7497 | 2/13/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the missing mortgage verification documentation showing full PITI amount for the property at XXX. There are no documents other than HOA and the credit report to support this property's expenses. | Document Uploaded. | Statement for XXX provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/13/2026 | D A |
| XXX | XXXXX | 305037634 | FPRO8998 | 2/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A |
| XXX | XXXXX | 305037634 | finding-2962 | 2/9/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Compliant. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A |
| XXX | XXXXX | 305037634 | finding-3352 | 2/9/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/9/2026 | A |
| XXX | XXXXX | 305037629 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. Non-QM loan |  |  | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 305037629 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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. Non-QM loan |  |  | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 305037629 | finding-3652 | 2/10/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit violation is due to increased Lender Credit from XXX to XXX on the final CD dated XXX. | Document Uploaded. attached | Valid COC provided; exception resolved; Valid COC provided; exception resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 305037629 | FCRE9785 | 2/10/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Please provide a Purchase Contract with the sales price of XXX | Document Uploaded. attached | Purchase Contract Doc is complete.; Amended Escrow Instructions provided with corrected sales prices. ; XXX is Purchase but Purchase Contract Doc is Incomplete Please provide a Purchase Contract with the sales price of XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | B A |
| XXX | XXXXX | 305037624 | finding-1479 | 2/21/2026 | Compliance | Points & Fees | TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | This loan failed the high-cost home loan credit transaction points and fees test due to one of the following findings: (XXX SB XXX Sec. XXX (XXX)(E) he date creditor received application is before XXX XXX; andThe total points and fees payable by the consumer at or before loan closing is XXX which exceeds the greater of XXX percent of the "total XXX" (as defined in the official commentary to paragraph XXX(a)(XXX)(ii)), or $XXX he date creditor received application is on or after XXX XXX; andThe XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total XXX of XXX or $XXX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: $XXX. The transaction is above allowable threshold by $XXX. No cure available, however, the file did not contain an undiscounted rate for bona fide discount point testing. | Document Uploaded. Hi, our XXX is not showing any Fail.; Please advise what is needed here. The XXX is Lender Paid comp, not borrower paid. | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved; Lender paid compensation is required to be included in testing for federal XXX and state high cost. An undiscounted rate is not in file to determine if discount points can be excluded from testing. If discount points arent considered bona fide XXX SB XXX high cost has not cure provision available | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C A |
| XXX | XXXXX | 305037624 | finding-3408 | 2/21/2026 | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §XXX(a)(XXX)(i) he loan provides for a late payment fee in excess of XXX% of the amount of the payment past due; orA value for the late charges amount was not provided ny late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §XXX(a)(XXX)(i)) The loan provides for a late payment fee in excess of XXX% of the amount of the payment past due. Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. |  | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C A |
| XXX | XXXXX | 305037624 | finding-3406 | 2/21/2026 | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §XXX(a)(XXX)(i), (ii) he loan is a XXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §XXX; orThe loan is a XXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §XXX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §XXX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the XXX or estimated XXX ertification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the Real Estate Settlement Procedures Act of XXX (XXX U. XXX(c)) or the disclosures required by §XXX; or(B) The consumer receives the disclosures required by §XXX(c), for transactions in which neither of the disclosures listed in (A) are provided. The Section XXX Disclosure is missing. |  | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C A |
| XXX | XXXXX | 305037624 | finding-3352 | 2/21/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | A |
| XXX | XXXXX | 305037624 | finding-3393 | 2/21/2026 | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §XXX(a)(XXX)(ii)(A), (B) he XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total XXX of XXX or $XXX. The following fees were included in the calculation: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: $XXX. The transaction is above allowable threshold by $XXX. If Discount Points are bonafide and excludable, providing the PAR (undiscounted) rate may cure the violation. |  | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C A |
| XXX | XXXXX | 305037624 | finding-3399 | 2/21/2026 | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §XXX(c) he High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §XXX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the XXX was provided. The Section XXX Disclosure is missing. |  | Undiscounted rate provided; exception resolved; Undiscounted rate provided; exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/21/2026 | C A |
| XXX | XXXXX | 305037624 | FPRO8998 | 2/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | A |
| XXX | XXXXX | 305037624 | FCRE8999 | 2/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | A |
| XXX | XXXXX | 305037617 | FCOM8997 | 2/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037617 | FCRE8999 | 2/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037617 | FPRO8998 | 2/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2026 | A |
| XXX | XXXXX | 305037608 | finding-3634 | 2/18/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of the mortgage broker fee from XXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided - exception resolved; Valid COC provided - exception resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/18/2026 | C A |
| XXX | XXXXX | 305037608 | finding-3352 | 2/18/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/18/2026 | A |
| XXX | XXXXX | 305037608 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305037608 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305037602 | finding-3352 | 2/11/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037602 | FPRO8998 | 2/11/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037602 | FCRE8999 | 2/11/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 2/11/2026 | A |
| XXX | XXXXX | 305037595 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305037595 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305037595 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305037595 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305050603 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050603 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050603 | FCRE8999 | 2/10/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050603 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305037576 | FCOM8997 | 2/3/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305037576 | FCRE8999 | 2/3/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305037576 | FPRO8998 | 2/3/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 2/3/2026 | A |
| XXX | XXXXX | 305050596 | FPRO9990 | 3/3/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA UCDP score is XX/XX/XXXX and an AVM was not found in the loan file. | Document Uploaded. | Third party valuation product provided within tolerance.; TPV provided. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 3/3/2026 | C A |
| XXX | XXXXX | 305050596 | finding-3652 | 2/26/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure required. Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Lender Credit decrease is due to the decrease of the Lender Credit from XXX to $XXX. Please provide a Valid COC or Cure Package | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/26/2026 | C A |
| XXX | XXXXX | 305050596 | FCRE8999 | 2/25/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/25/2026 | A |
| XXX | XXXXX | 305037566 | FCRE2900 | 2/11/2026 | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. A non-XXX must document and prove that they are legally present in the country. They must have a valid social security card/number. All XXX must provide evidence of a valid, acceptable visa or an Employment Authorization Document (EAD). Depending on the EAD category type, both a valid visa and EAD may be required. A copy of the unexpired visa (refer to Expired visa requirements below) or EAD must be included in the loan file. Please provide the required documentation. | Document Uploaded. | Borrower Identification Document provided.; Identification uploaded. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/11/2026 | D A |
| XXX | XXXXX | 305037566 | FPRO8998 | 2/10/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305037566 | finding-2962 | 2/10/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305037566 | finding-3352 | 2/10/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | A |
| XXX | XXXXX | 305050587 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050587 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050587 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded to Level XXX HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050548 | finding-2962 | 2/17/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050548 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050548 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305050548 | FPRO8998 | 2/16/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 305050524 | FCRE8999 | 2/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050524 | FPRO8998 | 2/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050524 | finding-3352 | 2/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/12/2026 | A |
| XXX | XXXXX | 305050515 | FCRE8999 | 3/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A |
| XXX | XXXXX | 305050515 | FPRO8998 | 3/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A |
| XXX | XXXXX | 305050515 | FCOM8997 | 3/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/2/2026 | A |
| XXX | XXXXX | 305050460 | finding-3352 | 2/27/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Complaint This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050460 | FCRE8999 | 2/27/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050460 | FPRO8998 | 2/27/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/27/2026 | A |
| XXX | XXXXX | 305050423 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050423 | FCRE8999 | 2/17/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050423 | FPRO8998 | 2/17/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050412 | FPRO0947 | 2/17/2026 | Property | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file on appraisal showing subject's site is adjacent to a busy road, which have a slight negative affect on it's marketability. | Hi there! Are docs needed to clear this condition? - Thx | Rescinded. Not a required condition. |  | Rescinded |  | B A |
| XXX | XXXXX | 305050412 | finding-3352 | 2/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/17/2026 | A |
| XXX | XXXXX | 305050412 | FCRE8999 | 2/16/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/16/2026 | A |
| XXX | XXXXX | 304875038 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304875038 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304875038 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 305035796 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035796 | FCRE8999 | 1/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035796 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035788 | finding-3635 | 1/8/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in recording fees on the revised LE. The COC in file indicates the reason for the increase was due to XXX change but that is not considered a valid reason for an increase in recording fees This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX 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 §XXX(e)(XXX)(vi). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a XXX/B; Cure package provided to the borrower; exception downgraded to a XXX/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 305035788 | FCRE1199 | 12/19/2025 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX The loan file contains a lender exception request form, granting approval for XXX to exceeds XX/XX/XXXX M. The lender identified the following compensating factors to justify the approval - Excellent credit history, minimum use of consumer credit, excessive reserves, XXX-months total, strong residual income, XXX total, and low DTI. Exception downgraded to a level XXX/B. | please rescind. | The XXX exceeds the maximum amount per guidelines. However, the Lender approved a credit exception to allow for the higher XXX, citing compensating factors of an excellent credit history, minimal use of consumer credit, excessive reserves, strong residual income and a low DTI. Acknowledged and downgraded. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305035788 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 305035788 | FCRE1194 | 12/17/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% FICO at XXX for FICO of XXX exceeding XXX, owner occupied max LTV is XXX% loan was approved at XXX% The loan file contains an exception for the XXX, but not for the CLTV. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 305035781 | FCRE1254 | 12/31/2025 | Credit | Title | Property Title Issue | Property Title Issue Title is missing borrowers as proposed insured. | Document Uploaded. | Documentation is sufficient. Title in file is sufficient. Exception rescinded.; Property Title Issue Resolved |  | Rescinded |  | A |
| XXX | XXXXX | 305035781 | FCRE9814 | 12/30/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Cert is not notarized. Required per lender final approval. | Document Uploaded. | Documentation is sufficient. Trust Cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | D A |
| XXX | XXXXX | 305035781 | FCRE0376 | 12/30/2025 | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Missing letter of explanation for credit inquiries: XX/XX/XXXX XXX; XX/XX/XXXX XXX; XX/XX/XXXX XXX | Broker and lender Credit runs, Inquiry LOE not required. | Documentation is sufficient. Lender and Broker credit inquiries. Exception resolved.; Tradelines meet Guideline Requirements | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 305035781 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305035781 | finding-3352 | 12/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305035777 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035777 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035777 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035773 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035773 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035773 | finding-3352 | 12/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035769 | FCRE1492 | 1/28/2026 | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Loan was approved as Rate/Term Refinance, the final Closing Disclosure reflects borrower received XXX at close. Per guidelines borrower can only receive a lessor of $XXX or XXX% of XXX. | Document Uploaded. ; Document Uploaded. ; Borrower will send us a check for XXX so we can add a Principle Reduction for the same amount | Documentation is sufficient. PCCD provided. Exception resolved.; Cash Out Meets Guideline Requirements; The updated PCCD should reflect the principal reduction to Lender, not Borrower. Exception remains.; Waiting for documentation. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/28/2026 | C A |
| XXX | XXXXX | 305035769 | FCRE1254 | 1/14/2026 | Credit | Title | Property Title Issue | Property Title Issue Subject property is located in Hawaii and title does not state if it's Fee Simple or Leasehold ownership. | This is on the prelim with the vesting, page one, as tenants by the entirety as fee owner. ; Document Uploaded. | Documentation is sufficient. Fee Owner stated on Title. Exception rescinded.; Property Title Issue Resolved |  | Rescinded |  | A |
| XXX | XXXXX | 305035769 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035769 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035756 | FCRE8999 | 12/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035756 | FPRO8998 | 12/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035756 | FCOM8997 | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035751 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035751 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035751 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035750 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035750 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035750 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035749 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035749 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035749 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035748 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035748 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035748 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035745 | FCOM1221 | 1/12/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing complete copy of the executed Mortgage - missing pages XXX-XXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; The Deed of Trust is Present and Complete | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/12/2026 | D A |
| XXX | XXXXX | 305035745 | finding-3352 | 1/8/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035745 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035744 | FCRE0382 | 12/30/2025 | Credit | Data | 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. Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift wire documents provided. Exception resolved.; Funds are found to meet guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 305035744 | FCRE1198 | 12/30/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift wire documents provided. Exception resolved.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 305035744 | FCRE9995 | 12/30/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Missing documentation verifying the gifts in the amounts of XXX were wired to title/escrow | Document Uploaded. | Documentation is sufficient. Gift Wire documents provided. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 305035744 | FPRO8998 | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 305035742 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035742 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035742 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035740 | finding-3352 | 12/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035740 | FCRE8999 | 12/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035740 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305035736 | FCRE8999 | 1/5/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035736 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035736 | FCOM8997 | 1/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035735 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035735 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035735 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035733 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035733 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035733 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035728 | FCRE9785 | 1/5/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Missing addendum stating value of personal items included on sales contract is XXX Addendum states for an additional sum of XXX non realty items. Per lender guidelines: Any personal property transferred with a property sale must be deemed to have zero transfer value, as indicated by the sales contract and the appraisal. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal property value for purposes of calculating the LTV/CLTV/HCLTV. | Addendum not accepted by seller | Documentation is sufficient. Explanation and Final CD provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/5/2026 | B A |
| XXX | XXXXX | 305035728 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035728 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305025798 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 305025798 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 305035713 | FCRE6737 | 1/21/2026 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Operating Agreement to establish borrower's ownership of, XXX., is missing from the loan file. | Document Uploaded. | Documentation is sufficient. State filing, Articles of Incorporation provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305035713 | FCRE7495 | 1/16/2026 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Final XXX indicates a mortgage loan for REO, XXX, with Change. Documentation validating PITIA payment is missing from the loan file. | What do you need on this? This loan has not closed; UW has added mortgage as worst case at full pitia. This property is currently owned free and clear, profile in the file with tax amount, no HOI, free and clear. This is also an alt doc, reserve requirements are based on the subject property pitia anyway - why would you need this? Thanks! | Documentation is sufficient. LOE provided. Loan not closed yet, worst case scenario used. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/16/2026 | D A |
| XXX | XXXXX | 305035713 | FCRE1199 | 1/14/2026 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX The Note reflects a XXX of, $XXX. Guidelines allow a maximum XXX of, XXX with a qualifying credit score of XXX and a XXX% CLTV for an investment property. Present in the loan file is a Lender approved exception allowing the loan size of, $XXX. The Lender identified the following compensating factors to justify the Exception: Excellent credit history, minimal use of consumer credit, no discretionary debt, minimal payment shock, low DTI, significant residual income and excess reserves. Lender Approved Exception is insufficient. The Exception Requested is for a XXX >$XXX. The maximum XXX for an investment property with a maximum XXX% CLTV and a qualifying credit score of XXX is, $XXX. Exception Request should reflect, >$XXX. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 305035713 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | .;.; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305035713 | FCOM8997 | 1/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | .;.; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305035712 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035712 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035712 | finding-3352 | 12/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035709 | FCRE1483 | 1/7/2026 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements A Gift Letter from XXX in the amount of, XXX is present in the loan file. Documentation is required to verify gift funds were received by Escrow. | Document Uploaded. | Documentation is sufficient. Wire for gift funds provided. Exception resolved.; Asset XXX Meets Guideline Requirements Or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | C A |
| XXX | XXXXX | 305035709 | FCRE1325 | 1/7/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing For P&L income programs, Guidelines require the loan file contain documentation that the CPA/CTEC/PTIN license is verified and active. Verification is required that the PTIN License of, XXX, is active. | Document Uploaded. | Documentation is sufficient. CPA Search provided. Exception resolved.; Borrower XXX CPA Letter Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | D A |
| XXX | XXXXX | 305035709 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035709 | FCOM8997 | 1/5/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035707 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035707 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035707 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035696 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035696 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035696 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035693 | FCRE1480 | 1/7/2026 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Statements provided for XXX bank accounts #XXX; #XXX; #XXX do not reflect the date that the balances were pulled. | Document Uploaded. Maturity date is pull date; XX/XX/XXXX | Documentation is sufficient. Bank statement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | C A |
| XXX | XXXXX | 305035693 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035693 | finding-3352 | 1/5/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305035687 | FCRE2009 | 1/15/2026 | Credit | Missing Doc | 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, $XXX. An e-mail present in the loan file expresses Loss of Use, Coverage D, is, $XXX. No parameters of Coverage D provided. Documentation reflecting at least XXX months of rent loss coverage, XXX is required. | Document Uploaded. | Documentation is sufficient. Rent loss coverage verified. Exception resolved.; Rent Loss Coverage Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/15/2026 | D A |
| XXX | XXXXX | 305035687 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035687 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035683 | FCOM1232 | 1/8/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing Provide missing final XXX Document not in file. | Document Uploaded. | Documentation is sufficient. XXX provided. Exception resolved.; The Final XXX is Present | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/8/2026 | D A |
| XXX | XXXXX | 305035683 | FCOM1544 | 1/7/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation Required to clear exception - Final CD in file is missing page XXX Provide complete and fully executed final CD. | Document Uploaded. | TRID: Final Closing Disclosure Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | D A |
| XXX | XXXXX | 305035683 | FCRE0382 | 1/6/2026 | Credit | Data | 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. Assets meet guidelines. | What do you need to clear? | Documentation is sufficient. Assets are XXX. Exception resolved.; Funds are found to meet guidelines. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | C A |
| XXX | XXXXX | 305035683 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035683 | finding-2962 | 1/2/2026 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB XXX higher-priced mortgage loan test. (XXX AB XXX XXX Financial Code Division XX/XX/XXXX(a) sing 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 hile 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 escrow established, appraisal requirement met |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035683 | finding-3352 | 1/2/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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 |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035673 | FCRE1437 | 1/12/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Guidelines require the most recent XXX months bank statements for the XXX Bank Statement program. The XXX XXX asset statement, #XXX, ending XXX, is missing from the loan file. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/12/2026 | C A |
| XXX | XXXXX | 305035673 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035673 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035668 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035668 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035668 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035663 | FCRE5771 | 1/9/2026 | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Borrower XXX Credit Report is Missing. Liabilities and DTI will require re-review upon receipt of the credit report. | Document Uploaded. | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower XXX Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D A |
| XXX | XXXXX | 305035663 | FCRE5770 | 1/9/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower XXX Credit Report is Missing. Liabilities and DTI will require re-review upon receipt of the credit report. | Document Uploaded. | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower XXX Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D A |
| XXX | XXXXX | 305035663 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035663 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035661 | FCRE1146 | 12/30/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Missing Proposed Insured amount XXX on title or "Instructions to Escrow/Closing Agent" document to verify Insured amount of XXX | Document Uploaded. | Documentation is sufficient. Escrow instructions provided. Exception resolved.; Title Document is fully Present. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | D A |
| XXX | XXXXX | 305035661 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305035660 | FCOM8997 | 1/6/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035660 | FCRE8999 | 1/6/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035660 | FPRO8998 | 1/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/6/2026 | A |
| XXX | XXXXX | 305035648 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035648 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035648 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035641 | FCRE8999 | 1/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035641 | FPRO8998 | 1/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035641 | FCOM8997 | 1/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 1/2/2026 | A |
| XXX | XXXXX | 305035632 | FCRE8999 | 1/8/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035632 | FPRO8998 | 1/8/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035632 | FCOM8997 | 1/8/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | A |
| XXX | XXXXX | 305035630 | FCRE1173 | 1/22/2026 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Document Uploaded. | Documentation is sufficient. H06 policy provided. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/22/2026 | D A |
| XXX | XXXXX | 305035630 | FPRO8998 | 1/21/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305035630 | FCOM8997 | 1/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305035624 | FCRE1964 | 1/12/2026 | Credit | Missing Doc | Missing income documentation | Self-Employed Business Narrative Form for B1 and B2 is not required on this project as this is not a P&L loan. Please restructure your condition and send it back out. These should be separated into two conditions. Document Uploaded. |  | Documentation provided is sufficient. Exception resolved. ; ; Lender to provide the Bank Statement Income Worksheet for XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/12/2026 | D A |
| XXX | XXXXX | 305035624 | FCRE6737 | 1/9/2026 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Lender to obtain a letter of explanation from B1 regarding inconsistent business income deposits. Subject to requalification. | Document Uploaded. | Documentation is sufficient. LOE provided. Exception resolved. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/9/2026 | D A |
| XXX | XXXXX | 305035624 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035624 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035620 | FCOM8997 | 1/9/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035620 | FCRE8999 | 1/9/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035620 | FPRO8998 | 1/9/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 1/9/2026 | A |
| XXX | XXXXX | 305035618 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035618 | FCRE8999 | 1/7/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035618 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035617 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035617 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035617 | finding-3352 | 1/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035615 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035615 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035615 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305035611 | FCRE8999 | 1/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305035611 | FPRO8998 | 1/21/2026 | Property | Data | 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 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305035611 | FCOM8997 | 1/21/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305035606 | FCOM1208 | 1/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing a complete copy of the subject Note. Copy of Note in file is missing page XXX | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; The Note is Present | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/12/2026 | D A |
| XXX | XXXXX | 305035606 | FCOM8997 | 1/7/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035606 | FPRO8998 | 1/7/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 1/7/2026 | A |
| XXX | XXXXX | 305035601 | FCOM8997 | 1/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305035601 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305035601 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | .;.; Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 304895531 | FCRE1325 | 2/2/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing XXX) Document B1 percentage of ownership in (XXX). Ownership must be at least XXX% The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent XXX) Verify B1 has been self-employed for at least two years in the same business verified via a CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent. XXX) Provide a CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal will not negatively impact the business. | Document Uploaded. City verification of business from XXX to match DOT XXX confirmation open since XXX; Document Uploaded. UW Cash flow oral agreement - corp filings in file show only borrower as owner (XXX% ownership) XXX confirmation open since XXX | Borrower XXX CPA Letter Provided; Client provided Certificate of Ownership from XXX County Clerk reflecting the borrower as Sole Proprietorship. XXX Company search reflecting XXX Shot active as of XX/XX/XXXX. Borrower XXX% owner. Cleared.; Borrower XXX CPA Letter Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | D A |
| XXX | XXXXX | 304895531 | FCRE1316 | 2/2/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Processor cert in file is not valid to verify business is active and operating erify business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | Document Uploaded. Business Invoice | Borrower XXX 3rd Party VOE Prior to Close Was Provided; Client provided Business Invoices from XXX dated XX/XX/XXXX. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | D A |
| XXX | XXXXX | 304895531 | FCRE1148 | 1/21/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. updated prelim | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Final title policy received | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | B A |
| XXX | XXXXX | 304895531 | FCRE1183 | 1/6/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Final XXX not provided. Other XXX's provided | Document Uploaded. XXX | Approval/Underwriting Summary is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/6/2026 | B A |
| XXX | XXXXX | 304895531 | FCRE1437 | 12/19/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Provide a business narrative from the borrower to describe the type of business and number of employees. |  | Business narrative in file. ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines |  | Rescinded |  | A |
| XXX | XXXXX | 304895531 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304895531 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304908677 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 304908677 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 304908677 | FCOM9186 | 1/6/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Showing evidence that the borrowers consented to electronic communication at the time of initial disclosure, XX/XX/XXXX, may cure the violation. | Document Uploaded. Esign consent uploaded | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/6/2026 | B A |
| XXX | XXXXX | 304908676 | FCRE1145 | 2/20/2026 | Credit | Missing Doc | Title Document Missing | Title Document is missing Loan file is missing a required title commitment for loan closing transaction. | Document Uploaded. Title | Title Document is fully Present; Client provided Commitment for Title Insurance reflecting the subject property dated XX/XX/XXXX with a Proposed Amount of Insurance of XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/20/2026 | D A |
| XXX | XXXXX | 304908676 | FCRE1202 | 1/23/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Entity fraud report provided, missing Fraud for B1 | Document Uploaded. Fraud report | Third Party Fraud Report is fully present; Client provided XXX Person Report for B1. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D A |
| XXX | XXXXX | 304908676 | FCRE1182 | 1/23/2026 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Loan file is missing the lender loan approval and/or XXX Missing Approval/Underwriting Summary. | Document Uploaded. Approval from lender | Approval/Underwriting Summary is fully present; Client provided Lender Approval. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | B A |
| XXX | XXXXX | 304908676 | FCOM1221 | 1/21/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing certified true copy stamp | BYOG lender using their own guidelines. This is not a requirement. Please clear. | ; The Deed of Trust is Present and Complete |  | Rescinded |  | A |
| XXX | XXXXX | 304908676 | FCRE1212 | 1/21/2026 | Credit | Income/Employment | Insufficient DSCR | Loan file is missing the market rent or active lease to determine an effective DSCR. Audited DSCR is less than the minimum required by underwriting guides. | Document Uploaded. Appraisal with rent comps | Client provided XXX form XXX reflecting Estimated Market Rent of XXX LM Updated.; Client provided XXX form XXX reflecting Estimated Market Rent of XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C A |
| XXX | XXXXX | 304908676 | FVAL5524 | 1/21/2026 | Property | Property | Ineligible Property | Lender requested an exception for the property vacancy, missing formal letter of exception with compensating factors | Document Uploaded. Exception approval | Exception for vacant refinance. Lender acknowledged this exception. ; Lender requested an exception for the property vacancy, missing formal letter of exception. Client provided email from XXX - Due Diligence Global Securitized Products XXX stating: We acknowledge this exception. Please document a pre-close exception in the loan file rationalizing your comfort making this exception for your lending decision. Additional conditions may apply upon review of the full loan file. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304908676 | FPRO1242 | 1/21/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. | Document Uploaded. Appraisal | Appraisal is Present or is Waived; Client provided Appraisal for the subject property dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 304908676 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 304909879 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 304909879 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 304909879 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305031742 | FCRE1316 | 1/29/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. | not in the guidelines for XXX borrowers, not required | not required for XXX income. ; Borrower XXX 3rd Party VOE Prior to Close Was Provided |  | Rescinded |  | D A |
| XXX | XXXXX | 305031742 | FCOM3849 | 1/29/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements and received a copy at closing or if the appraisal was received the minimum XXX days prior to consummation | Document Uploaded. Appraisal delivery | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B A |
| XXX | XXXXX | 305031742 | FCOM1266 | 1/29/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling disclosure and proof sent to the borrower within XXX business days of application | Document Uploaded. Attached the Homeownership Counseling List and Homeownership Counseling Acknowledgement Disclosure | Homeownership Counseling Disclosure Is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B A |
| XXX | XXXXX | 305031742 | FCOM3608 | 1/29/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide Intent to Proceed. | Document Uploaded. Attached Intent to Proceed Disclosure | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | B A |
| XXX | XXXXX | 305031742 | FCRE1330 | 1/29/2026 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower XXX Paystubs Missing Most recent proof of YTD earnings via bank statements, payroll registers or paystub equivalents covering a minimum of XXX days. YTD earnings may be no less than XXX% below the qualifying income. | WVOE with YTD earnings found on page XXX | Borrower XXX Paystubs Provided; XXX Non-QM Guidelines state: In lieu of obtaining the most recent paystubs or W-2s, the Seller may obtain a Written Verification of Employment (WVOE) form from the employer. IRS tax transcripts must align to the income being used to qualify. LM Updated.; Borrower XXX Paystubs Missing | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D A |
| XXX | XXXXX | 305031742 | FCRE1437 | 1/29/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines A business narrative is required from the borrower to describe their XXX employment including an expense factor that is related to their annual business. The minimum expense factor allowed is XXX% and should be XXX for the XXX employment. |  | Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | C A |
| XXX | XXXXX | 305031742 | FCOM5135 | 1/22/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application |  | Investor acknowledged exception. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305031742 | FPRO8998 | 1/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | A |
| XXX | XXXXX | 305012711 | FPRO0951 | 1/28/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Condo approval is not in file | Document Uploaded. Condo project approval | Condo Approval is provided.; Client provided Summer House Property Regime reflecting the subject as Established Condo and Approved by XXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B A |
| XXX | XXXXX | 305012711 | FCRE1180 | 1/28/2026 | Credit | Missing Doc | HO-6 Insurance Policy is Missing | HO-XXX Insurance Policy is Missing Missing policy for subject property with a premium in the amount of $XXX. (lender used $XXX/ monthly) | Document Uploaded. Seller response- Can you please let me know where you are seeing the higher premium of $XXX. The attached \H06 shows XXX as well as the CD signed at closing? | HO-XXX Insurance Policy is fully present; Client provided HOI for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | D A |
| XXX | XXXXX | 305012711 | FCOM9186 | 1/28/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Showing evidence that the borrowers consented to electronic communication at the time of initial disclosure, XX/XX/XXXX, may cure the violation. | Document Uploaded. Esign consent uploaded | E consent provided, exception resolved; Evidence of eConsent is provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B A |
| XXX | XXXXX | 305012711 | FCOM3849 | 1/28/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence that the borrowers received the appraisal XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Appraisal delivery | Appraisal delivery provided, exception resolved; Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | B A |
| XXX | XXXXX | 304896763 | FCRE2335 | 2/10/2026 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX GLs require a minimum of XXX for DSCR calculation. Market rents supported by lease of XXX total DSCR.XXX. Audit matches to the XXX in the file. | Document Uploaded. XXX with corrected HOA amount, yielding DSCR of XXX | XXX correct HOA; HOA was changed to reflect the actual HOA from Appraisal. DSCR XXX. Cleared.; Qualifying DSCR meets Guidelines; Client provided Updated XXX with corrected HOA amount, yielding DSCR of XXX |  | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 304896763 | FCOM5413 | 2/10/2026 | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Subject transaction locked with XXX-year prepayment, calculated at XXX%/XXX%/XXX%. Loan delivered with no prepayment penalty documentation. Subject transaction will be re-priced with no prepayment penalty. Please confirm subject transaction has no prepayment penalty | Document Uploaded. Addendum uploaded; Document Uploaded. ; Document Uploaded. Re-recorded DOT with PPP rider; We have re-set exception for seller to provide the Letter of Intent to re-record and Addendum. So long as the PPP is a valid structure for the program type, please note it is not required to match lock. An exception does need to be set when the lock reflects a PPP and the file documentation either does not have any PPP or has a PPP that is not an approved structure for the program.; Document Uploaded. PPP rider provided by lender, see upload for further review | Prepayment Penalty Information is Resolved; Note addendum for PPP Provided; ; Prepayment Penalty Information is Resolved; PPP DOT rider and intent to re record. PPP does not match to rate lock but is valid XXX%/XXX%/XXX% per Guidelines; PPP rider to Deed of Trust Provided at fixed XXX% for XXX months, Missing addendum to note. Rate lock reflects declining PPP of XXX%/XXX%/XXX% for XXX months. ; PPP rider provided |  | Resolved | 2/10/2026 | D A |
| XXX | XXXXX | 304896763 | FCRE2007 | 12/31/2025 | Credit | Missing Doc | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Loan Agreement was not available at the time of review |  | borrower took title as individual, not required; Loan Agreement Present |  | Rescinded |  | A |
| XXX | XXXXX | 304896763 | FCRE2500 | 12/31/2025 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not available at the time of review |  | borrower took title as individual, not required; Personal Guaranty provided. |  | Rescinded |  | A |
| XXX | XXXXX | 304896763 | FPRO8998 | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 304896763 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305023970 | FCRE8999 | 1/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305023970 | FPRO8998 | 1/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | A |
| XXX | XXXXX | 305023970 | finding-4033 | 1/5/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. The loan is an HPML and meets appraisal and escrow requirements. | Document Uploaded. XXX exception approval for Rebuttable Presumption uploaded. | Per investor email received from client- finding is acknowledged. ; | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No A |
| XXX | XXXXX | 305023971 | FCOM8997 | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305023971 | FPRO8998 | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305023971 | FCRE8999 | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305024033 | FPRO1500 | 2/13/2026 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | Lender's response: Stand alone property: site condos have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo | ; Client states: Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo.; HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/13/2026 | D A |
| XXX | XXXXX | 305024033 | FVAL9739 | 2/13/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The appraisal in file is on FNMA Form XXX for SFRs and PUDs. The appraisal should be on FNMA Form XXX | Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo | ; Client states: Lender's rebuttal: please refer to the legal (condo) site condos do have a waiver, and the below is not required. AND the appraisals for site condos may be on either standard XXX OR XXX for condo.; Property/Appraisal guideline violation: The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The appraisal in file is on FNMA Form XXX for SFRs and PUDs. The appraisal should be on FNMA Form XXX | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/13/2026 | C A |
| XXX | XXXXX | 305024033 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305024034 | FCRE4104 | 2/6/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The lender's guidelines reflect assets to be documented with the most recent monthly statement and large deposits, defined as a single deposit that exceeds XXX% of the XXX, must be sourced. The final application reflect assets in the amount of XXX are being used from the XXX checking account #XXX. The loan file contained the XXX checking #XXX statements through XX/XX/XXXX with an ending balance of $XXX. The XXX checking #XXX reflects XXX deposits XXX and XXX on XX/XX/XXXX coming from #XXX account. The loan file is missing the activity from XXX #XXX from end of statement provided to XX/XX/XXXX XX/XX/XXXX reflecting the transfer of the funds to #XXX and source of funds will also be required. | Document Uploaded. Stamped transactions from XXX showing transfers | Client provided bank statement reflecting the XXX deposits and multiple transfers up to XX/XX/XXXX for XXX account #XXX verified by XXX #XXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D A |
| XXX | XXXXX | 305024034 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305024034 | FPRO8998 | 1/26/2026 | Property | Data | 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 Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305024039 | FPRO1500 | 2/5/2026 | Property | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | stand alone property site condos have a waiver, and not required. the appraisals for site condos may be on either standard XXX OR XXX for condo | HOA Questionnaire Provided; Client states: stand alone property site condos have a waiver, and not required. the appraisals for site condos may be on either standard XXX OR XXX for condo. LM Updated.; HOA Questionnaire Missing HOA Questionnaire Missing The XXX Purchase Contract, Legal Description, Lock Pricing, and Mortgage Condo Rider all indicate the subject property is considered a condo vs PUD. The file is missing the Condo Questionnaire and Budget are required in order to determine Warrantability. Pease note, if the subject is determined as Non-Warrantable, it will not be eligible. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | D A |
| XXX | XXXXX | 305024039 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305024039 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305024039 | FCRE8999 | 2/2/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305024040 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305024040 | FCRE8999 | 1/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305024040 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305026167 | FCRE5116 | 1/23/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers are currently renting the subject. Guidelines require rental history to be documented with a copy of the lease agreement, or a Verification of Rent (VOR). Neither document is in the file. | Document Uploaded. vor XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client re-loaded XXX and provided statement from the Property Manager at XXX XXX XXX. The statement reflects the borrower is not being evicted, is not in collections and a XXX balance. Last payment received XX/XX/XXXX. It also states the move in date XX/XX/XXXX and Move Out date of XX/XX/XXXX. Previous to this the Borrower owned the property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D A |
| XXX | XXXXX | 305026167 | FCRE5393 | 1/16/2026 | Credit | Insurance | Mortgage Insurance Defect | Mortgage Insurance not allowed. Provide updated documents removing Mortgage Insurance | Document Uploaded. updated closing docs | Client provided Updated Closing Disclosure, First Payment letter and Initial Escrow Disclosure reflecting Mortgage Insurance was removed. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/16/2026 | C A |
| XXX | XXXXX | 305026167 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305026167 | FPRO8998 | 1/13/2026 | Property | Data | 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 Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305047131 | FCRE5116 | 2/2/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. All borrowers/guarantors must document a XXX-month housing history to qualify. The note date is XX/XX/XXXX. Credit pulled XX/XX/XXXX. XXX Mortgage #XXX DLA is XX/XX/XXXX. XXX Mortgage #XXX DLA is XX/XX/XXXX XXX #XXX DLA is XX/XX/XXXX. |  | ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing |  | Rescinded |  | D A |
| XXX | XXXXX | 305047131 | FCRE1202 | 1/30/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Required third party fraud report for business is missing from loan file. | Not required for the BYOG guides, this is a requirement inly for XXX programs | ; Third Party Fraud Report is fully present; Third Party Fraud Report Partially Provided Required third party fraud report for business is missing from loan file. |  | Rescinded |  | D A |
| XXX | XXXXX | 305047131 | FCOM8997 | 1/30/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A |
| XXX | XXXXX | 305047131 | FPRO8998 | 1/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A |
| XXX | XXXXX | 305027443 | FCRE8999 | 1/15/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A |
| XXX | XXXXX | 305027443 | FPRO8998 | 1/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A |
| XXX | XXXXX | 305027443 | FCOM8997 | 1/15/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A |
| XXX | XXXXX | 305027454 | FCRE1202 | 1/23/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Missing Fraud for B1 | Document Uploaded. fraud report | Third Party Fraud Report is fully present; Client provided LexisNexis SmartLinx Person Report dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | D A |
| XXX | XXXXX | 305027454 | FCOM1221 | 1/21/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Please advise what guideline you are referring to that requires the DOT to be T&C in the credit file. | ; The Deed of Trust is Present and Complete |  | Rescinded |  | A |
| XXX | XXXXX | 305027454 | FCRE2109 | 1/21/2026 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Documentation detailing the DSCR calculation was not found in the file and is required per guidelines. | Document Uploaded. DSCR CALC | Client provided DSCR Calculation. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305027454 | FCRE5123 | 1/21/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Guidelines require a copy of the Articles of Incorporation and a Certificate of Good Standing for the borrower's business, XXX | Document Uploaded. Articles or Organization and cert of good standing. Please note that the borrowing entity is "XXX" | Client provided Articles of Organization and Certificate of Good Standing. LM Updated.; Client provided Articles of Organization and Certificate of Good Standing. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305027454 | FCRE1161 | 1/21/2026 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate The flood cert was not available at the time of review. | Document Uploaded. flood cert | Flood Certificate is fully present; Client provided Flood Cert for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305027454 | FPRO9990 | 1/21/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA and FHLMC UCDP summaries were not available at the time of review. | CDA found on page XXX uploaded appraisal | Third party valuation product provided within tolerance. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C A |
| XXX | XXXXX | 305027454 | FPRO1242 | 1/21/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Full appraisal was not available at the time of review. Appraisal must include color photos. | Document Uploaded. APPRAISAL | Appraisal is Present or is Waived; Client provided full Appraisal with color photos. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305027454 | FCOM8997 | 1/19/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/19/2026 | A |
| XXX | XXXXX | 305034651 | finding-3352 | 2/20/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX)). The file did not contain evidence that the appraisal was delivered to the borrower within XXX days of consummation. | Please see uploaded appraisal delivery documents for review | Appraisal delivery provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | C A |
| XXX | XXXXX | 305034651 | finding-3367 | 2/20/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | HOC list provided is not dated within XXX days of the XXX HOC list provided is not dated within XXX days of the XXX This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Please clarify what is being used as the XXX? Both the loan application and Homeowners Counseling acknowledgement provided were signed on XX/XX/XXXX. The borrower signed the XXX on XX/XX/XXXX, however this is still only XXX day prior to the disclosure. Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Document Uploaded. Uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §XXX(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's XXX (or the date creditor received application if loan originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the XXX ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Please see attached disclosure tracking to support Homeownership counseling was received. Document Uploaded. Homeowners Counseling list uploaded Document Uploaded. Homeowners Counseling list uploaded Document Uploaded. Homeowners Counseling list uploaded Client provided copy of HCO list dated XX/XX/XXXX for testing. Exception resolved |  | A copy of the HOC list dated within XXX business days of application is required to confirm the list was compliant with the requirements of the regulation in order to resolve ; The acknowledgement of receipt of the HOC list provided is dated XX/XX/XXXX which is not within XXX days of the XXX (XX/XX/XXXX); When there is documentation in the file that would contradict the application, the more conservative date is used. The borrowers signature on an application is not considered as the date of application, Please confirm the date the lender received all XXX pieces of information required to be considered a complete application | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B A |
| XXX | XXXXX | 305034651 | FCOM3849 | 2/20/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | Document Uploaded. Appraisal delivery uploaded | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B A |
| XXX | XXXXX | 305034651 | FCOM9186 | 2/20/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. The first e-signed document in the file is dated XX/XX/XXXX The file did not contain any e-consents. Please provide an e-consent dated XX/XX/XXXX or before | Document Uploaded. Esign consent uploaded | Evidence of eConsent is provided. The eSigned documents consent is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B A |
| XXX | XXXXX | 305034651 | FCOM1266 | 2/20/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The Homeownership Counseling Disclosure Is Missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. | Document Uploaded. Homeowners Counseling Acknowledgment uploaded | Homeownership Counseling Disclosure Is Present or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B A |
| XXX | XXXXX | 305034651 | FCOM3608 | 2/20/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. The intent to proceed is missing. The defect can be resolved by providing evidence that shows the disclosure was provided within XXX business days of application. | Document Uploaded. Intent to Proceed uploaded | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/20/2026 | B A |
| XXX | XXXXX | 305034651 | finding-3634 | 2/13/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Document Uploaded. Comment from Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). Lender confirmed XXX is XX/XX/XXXX Lender confirmed XXX is XX/XX/XXXX | Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX | LE provided was not dated within XXX days of the application and the file did not contain any valid COCs | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C A |
| XXX | XXXXX | 305034651 | finding-3635 | 2/13/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX 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 §XXX(e)(XXX)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §XXX(e)(XXX)(ii) he loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(XXX)(i) by more than XXX 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 §XXX(e)(XXX)(vi). Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Please provide specifics on details regarding tolerance issue. Per Lender: "Please see the attached SSPL. The borrower chose to shop therefore the title fees have an unlimited tolerance. Initial LE also attached for verification." Lender confirmed XXX is XX/XX/XXXX; exception resolved Lender confirmed XXX is XX/XX/XXXX; exception resolved | Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX | LE provided was not dated within XXX days of the application, the file did not contain an SSPL dated within XXX days of the application and the file did not contain any valid COCs | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C A |
| XXX | XXXXX | 305034651 | finding-3515 | 2/13/2026 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | LE provided is not dated within XXX days of the XXX LE provided is not dated within XXX days of the XXX This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §XXX(e)(XXX)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §XXX(e)(XXX)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §XXX(e)(XXX)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §XXX(e)(XXX)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §XXX(e)(XXX)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §XXX(e)(XXX)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please advise and verify initial XXX. Borrower signed XXX on XX/XX/XXXX and LE was issued the same day. Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Please see uploaded response from lender with snapshot confirming TRID XXX as XX/XX/XXXX Lender confirmed XXX is XX/XX/XXXX; exception resolved Lender confirmed XXX is XX/XX/XXXX; exception resolved |  | When there is documentation in the file that would contradict the application, the more conservative date is used. The borrowers signature on an application is not considered as the date of application, Please confirm the date the lender received all XXX pieces of information required to be considered a complete application | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | C A |
| XXX | XXXXX | 305034651 | FCOM1221 | 2/10/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Document Uploaded. Certified copy of mortgage | The Deed of Trust is Present and Complete; CTC of Deed; The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/10/2026 | D A |
| XXX | XXXXX | 305034651 | FCOM3531 | 2/9/2026 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. The loan is an HPML. Evidence that a copy of the written appraisal to the consumer withing XXX business days prior to consummation is missing. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report in a timely manner. | Please see uploaded appraisal delivery documents for review | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. The loan is an HPML. Evidence that a copy of the written appraisal to the consumer withing XXX business days prior to consummation is missing. The defect can be resolved by providing evidence that shows the consumer received a copy of the appraisal report in a timely manner. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/9/2026 | C A |
| XXX | XXXXX | 305034651 | FCOM5135 | 2/9/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  | ; Investor acknowledges exception. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 305034651 | FCOM1252 | 2/9/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | Documentation required to clear exception. The Initial Loan Estimate as well as any subsequent Loan Estimates are missing from the loan file. As a result, the tolerance violation review could not be performed. The violation can be cured by providing the initial LE within XXX days of application XX/XX/XXXX and any additional Loan estimates that were provided to the consumer. Additional testing will be completed once received. | Document Uploaded. Initial LE uploaded | Initial LE provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/9/2026 | D A |
| XXX | XXXXX | 305034651 | FPRO8998 | 2/6/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2026 | A |
| XXX | XXXXX | 305028829 | FCRE5123 | 1/21/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Missing tax identification number/EIN Missing Certificate of Good standing. | Document Uploaded. COGS | Client provided State of XXX of State Certificate of Status reflecting a Date of Initial Filing of XX/XX/XXXX and Current dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | D A |
| XXX | XXXXX | 305028829 | FCRE1202 | 1/19/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Missing Entity Fraud Report for XXX | Document Uploaded. Entity fraud report | Client provided Fraud Report ran for XXX dated XX/XX/XXXX. ; Third Party Fraud Report is fully present | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/19/2026 | D A |
| XXX | XXXXX | 305028829 | FCRE8999 | 1/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305028829 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305028829 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305029164 | FCOM1232 | 1/22/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing The Final XXX was not available at the time of review | Non-standard credit application is acceptable; Document Uploaded. Credit App | The Final XXX is Present; Client states: Non-standard credit application is acceptable. LM Updated.; Client provided XXX signed and dated XX/XX/XXXX. Missing Final XXX LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D A |
| XXX | XXXXX | 305029164 | FCRE1253 | 1/22/2026 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Property tax certification was not available at the time of review. | Document Uploaded. Tax Cert | Property Tax Cert Provided; Client provided XXX County Government Property tax search reflecting property tax amount and that it is current. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | C A |
| XXX | XXXXX | 305029164 | FCRE2500 | 1/22/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Guaranty Agreement was not provided at the time of review. | Document Uploaded. Guaranty Agreements | Personal Guaranty provided.; Client provided Personal Guaranty from the Borrower signed and dated XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D A |
| XXX | XXXXX | 305029164 | FCRE1161 | 1/22/2026 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate The flood certification was not provided at the time of review | Document Uploaded. Flood Cert | Flood Certificate is fully present; Client provided Flood Certificate for the subject property. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D A |
| XXX | XXXXX | 305029164 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | Property is located on a sensitive area of XXX, this geographic area is subject to additional due diligence and investor approval. |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 305029164 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029202 | FCRE1254 | 1/26/2026 | Credit | Title | Property Title Issue | Property Title Issue Document XXX lien on title in the amount of XXX was released / satisfied | Document Uploaded. Attached HUDs and Payoff Statements for all other loans mentioned on the LOE provided. Note the final LOE regarding XXX stating that this property was released from the mortgage with no additional compensation due. | Property Title Issue Resolved; Client provided Payoff Explanation letter. The letter states: The referred to lien account #XXX is secured by XXX properties located at XXX XXX, XXX, XXX, XXX and XXX. We have previously provided you with partial payoff statements as to the XXX properties that are not XXX. The combined total of those XXX partial payoffs is sufficient to pay our loan #XXX. The Client also provided The payoff statements and Corresponding Settlement statement reflecting payoff for #XXX present. LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | C A |
| XXX | XXXXX | 305029202 | FCRE2008 | 1/23/2026 | Credit | Insurance | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide XXX months' Rent Loss Insurance coverage. Policy in file reflects Loss of Use. | Document Uploaded. Please see previous version of the insurance which shows coverage D also listed as Fair Rental Value. | Loss Rent Coverage is Sufficient; Client provided previous Hazard Declaration reflecting Coverage D as Rent Loss. Current policy reflects Coverage D Loss of Use XXX LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | C A |
| XXX | XXXXX | 305029202 | FCRE0360 | 1/21/2026 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The lender's guidelines require XXX and XXX on mortgage loans per credit report. No mortgage late payment in the prior XXX months from the date of the credit report. Any delinquent mortgage payment at the time of origination or XXX-day late mortgage payment in the preceding XXX months reflected on the verification of mortgage. The loan file contained the credit report reflecting the mortgage with Primary Residential with no lates and a letter from XXX reflecting a request for VOMs. The letter reflected there was XXX loans for XXX properties. #XXX XXX, #XXX XXX, #XXX XXX and XXX XXX, #XXX for XXX XXX, XXX XXX, XXX XXX, XXX and XXX XXX. The loan file contained the VOM for #XXX and was missing VOMs for #XXX, #XXX, and #XXX. |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | C A |
| XXX | XXXXX | 305029202 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | Property is located on a sensitive area of XXX, this geographic area is subject to additional due diligence and investor approval. |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 305029202 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029220 | FCOM8997 | 1/23/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please resolve and close out | Informational | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | A |
| XXX | XXXXX | 305029220 | FCRE8999 | 1/21/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/21/2026 | A |
| XXX | XXXXX | 305029219 | FCRE1202 | 1/20/2026 | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided Entity fraud report provided, missing fraud for B1 |  | ; Third Party Fraud Report is fully present |  | Rescinded |  | A |
| XXX | XXXXX | 305029219 | FVAL5524 | 1/20/2026 | Property | Property | Ineligible Property | XXX city metro area subject to additional due diligence and investor approval. |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 305029219 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029219 | FCRE8999 | 1/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029227 | FPRO8998 | 1/20/2026 | Property | Data | 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 Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029227 | FCRE8999 | 1/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029227 | FCOM8997 | 1/20/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/20/2026 | A |
| XXX | XXXXX | 305029726 | FCRE1164 | 2/23/2026 | Credit | Missing Doc | Flood Insurance Policy Missing | Missing Flood Insurance Policy The Standard Flood Hazard Determination Form reflected the subject property was in zone AE, which requires flood insurance. The loan file did not contain documentation showing the property had flood insurance. | Document Uploaded. Flood insurance and invoice | Flood Insurance Policy is fully present; Client provided Flood Insurance Policy and payment receipt. LM Updated.; Missing Flood Insurance Policy The Standard Flood Hazard Determination Form reflected the subject property was in zone AE, which requires flood insurance. The loan file did not contain documentation showing the property had flood insurance. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/23/2026 | D A |
| XXX | XXXXX | 305029726 | FCRE1169 | 2/23/2026 | Credit | Insurance | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX | Document Uploaded. Condo Master Flood Policy; per lender: The master flood insurance was in effect as of the XXX but the borrower had to get a supplemental policy after the HOA reneged on their promise to increase the coverage. Is there any way they will accept the master in conjunction with the borrower's supplemental policy? | Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided; Client provided Renewal Flood Insurance Policy reflecting Policy term from XX/XX/XXXX to XX/XX/XXXX. LM Updated.; Master Policy would show coverage on flood insurance prior to the updated supplemental, Please provide master policy. ; Client provided Flood Insurance policy with an Effective date of XX/XX/XXXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/23/2026 | C A |
| XXX | XXXXX | 305029726 | FCOM3849 | 1/28/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal XXX business days prior to closing. | Document Uploaded. Appraisal acknowledgment of receipt uploaded | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | B A |
| XXX | XXXXX | 305029726 | FCOM1221 | 1/28/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per XXX Non-QM guidelines. | Document Uploaded. Stamped Mortgage uploaded | The Deed of Trust is Present and Complete; CTC copy of Mortgage; The Deed of Trust is Incomplete Mortgage is not stamped "true and certified" as required per XXX Non-QM guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | D A |
| XXX | XXXXX | 305029726 | FPRO8998 | 1/26/2026 | Property | Data | 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 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305029729 | FCRE4104 | 2/3/2026 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | The lender's guidelines reflect assets to be documented with the most recent monthly statement and large deposits, defined as a single deposit that exceeds XXX% of the XXX, must be sourced. The final application reflect assets in the amount of XXX are being used from the XXX checking account #XXX. The statement reflects a large deposit on XX/XX/XXXX in the amount of $XXX. The note reflects a XXX of XXX X XXX% = $XXX. The loan file did not contain the documentation for the large deposit of XXX on XX/XX/XXXX. | Per guidelines XXX dscr v11 section XX/XX/XXXX page XXX Large deposits that cannot be sourced may be subtracted from asset amount. | Per guidelines XXX dscr v11 section XX/XX/XXXX page XXX Large deposits that cannot be sourced may be subtracted from asset amount. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/3/2026 | D A |
| XXX | XXXXX | 305029729 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305029729 | FPRO8998 | 1/26/2026 | Property | Data | 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 Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305057821 | FCOM1208 | 2/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The Underwriter Summary, Post Closing Boarding Data and the amortization schedule indicate the loan is an Interest Only loan. The Interest Only Addendum to the Note is missing from the file. | Document Uploaded. Interest Only Note uploaded | The Note is Present; Client provided updated Note reflecting Interest-Only Period Fixed Rate Note. LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/12/2026 | D A |
| XXX | XXXXX | 305057821 | FVAL8946 | 1/15/2026 | Property | Missing Doc | Missing Appraisal | Provide updated CDA within XXX days old from the date of the Note (XX/XX/XXXX) | Document Uploaded. Updated CDA | Client provided Updated CDA dated XX/XX/XXXX with a value of XXX Cleared.; Client provided Updated CDA dated XX/XX/XXXX with a value of XXX LM Updated. | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/15/2026 | D A |
| XXX | XXXXX | 305057821 | FCRE1335 | 1/14/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing Lender's guidelines require XXX years tax transcripts. File contained the XXX transcript but the XXX transcript is missing. | Document Uploaded. We only used income from XXX Don't we only need transcripts for the years we use for income? | Client provided evidence only Ytd and XXX income was used to qualify. Do not need XXX IRS transcripts. Cleared.; Borrower XXX IRS Transcripts Provided | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D A |
| XXX | XXXXX | 305057821 | FCRE1438 | 1/14/2026 | Credit | Eligibility | ATR Risk | ATR Risk Verification of borrower's business, XXX, was not in the file. | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; ATR Risk Resolved | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | C A |
| XXX | XXXXX | 305057821 | FCRE1495 | 1/14/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing verification of borrower's business, XXX | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; ATR: Current Employment Was Verified | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | C A |
| XXX | XXXXX | 305057821 | FCRE1316 | 1/14/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Verification of borrower's business, XXX, was not in the file. | Document Uploaded. XXX existence | Client provided Verification of business XXX. Cleared.; Borrower XXX 3rd Party VOE Prior to Close Was Provided | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D A |
| XXX | XXXXX | 305057821 | FCRE1184 | 1/14/2026 | Credit | Missing Doc | AUS Not Provided | Missing AUS The XXX and UW Summary indicate loan was approved through Loan Product Advisor (LPA). File is missing the LPA approval. | Document Uploaded. Corrected XXX Utilizing DU | Client provided updated XXX reflecting DU findings. Updated LM to reflect DU findings. Cleared.; AUS is not missing | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/14/2026 | D A |
| XXX | XXXXX | 305057821 | FCOM8997 | 1/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305057821 | FPRO8998 | 1/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/13/2026 | A |
| XXX | XXXXX | 305030767 | FCRE8999 | 1/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A |
| XXX | XXXXX | 305030767 | FCOM8997 | 1/28/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A |
| XXX | XXXXX | 305030767 | FPRO8998 | 1/28/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A |
| XXX | XXXXX | 305031042 | FCRE1254 | 1/26/2026 | Credit | Title | Property Title Issue | Property Title Issue XXX) Title reflects Loan Modification Agreement dated XX/XX/XXXX and recorded XX/XX/XXXX. Provide satisfactory letter of explanation for the event from the borrower. XXX) XXX lease in file dated XX/XX/XXXX. Title to confirm no Solar UCC associated with the property and/or will create an easement on title is ineligible. | Document Uploaded. Final title has no mention of modification | ; Property Title Issue |  | Rescinded |  | C A |
| XXX | XXXXX | 305031042 | FVAL5524 | 1/23/2026 | Property | Property | Ineligible Property | Appraisal shows property being vacant. Vacant refinance are not eligible and requires further requirements per Lender guidelines. | Has the condition for vacant property been cleared?; May I ask where the ADU exception is coming from in the guidelines?; Document Uploaded. Lease executed after inspection; Document Uploaded. Lease completed after property inspection confirms property not vacant | ; Document failed to load, unable to view documents. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/23/2026 | C A |
| XXX | XXXXX | 305031042 | FCRE1201 | 1/22/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Loan file is missing fraud report for B1. Business entity report is provided. | Document Uploaded. Fraud report; Document Uploaded. Individual fraud report | Third Party Fraud Report is provided; B1 Fraud provided; Document failed to load, unable to view documents. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/22/2026 | D A |
| XXX | XXXXX | 305031042 | FVAL3525 | 1/20/2026 | Property | Appraisal | Valuation product is deficient | Property in XXX |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 305031042 | FCOM8997 | 1/16/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/16/2026 | A |
| XXX | XXXXX | 305031474 | FCRE1148 | 1/12/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. FTP | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Updated Prelim provided | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | B A |
| XXX | XXXXX | 305031474 | FCOM3849 | 1/12/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. | Document Uploaded. Appraisal tracking history upoaded | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | B A |
| XXX | XXXXX | 305031474 | FCRE1335 | 1/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing File contains XXX transcripts, missing XXX | Document Uploaded. Transcipts | Borrower XXX IRS Transcripts Provided; Client provided XXX IRS Transcripts for both borrowers. XXX IRS transcripts in file. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | D A |
| XXX | XXXXX | 305031474 | FCRE1365 | 1/12/2026 | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Borrower XXX IRS Transcripts Missing | Document Uploaded. Transcipts | Borrower XXX IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Client provided XXX IRS Transcripts for both borrowers. XXX IRS transcripts in file. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | D A |
| XXX | XXXXX | 305031474 | FPRO1136 | 1/12/2026 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis | Document Uploaded. completion cert | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Appraisal Update and Completion report provided | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/12/2026 | C A |
| XXX | XXXXX | 305031474 | finding-4033 | 1/12/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Appraisal requirements not met, missing appraisal delivery receipt. Unable to downgrade. | Document Uploaded. investor exception approval |  | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305031474 | FCOM1869 | 1/8/2026 | Compliance | Closing | Closing Disclosure is Not Executed | The Final closing disclosure is not executed by the borrowers. | Document Uploaded. Executed final CD uploaded | Executed CD provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/8/2026 | B A |
| XXX | XXXXX | 305031474 | FPRO8998 | 1/5/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/5/2026 | A |
| XXX | XXXXX | 305031472 | FCRE0377 | 2/10/2026 | Credit | Data | 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). The lender's guidelines require property insurance coverage amount for a first mortgage secured by a one to four unit property is at least equal to the lesser of: XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. | Document Uploaded. please see highlighted statement from the insurer referring to the RCE; Document Uploaded. RCE email | Client provided email stating: RCE STATEMENT It is the practice of this agency to insure structures for XXX% of their estimated replacement cost as determined by insurance company proprietary software. Building limits are estimates only and are arrived at based on information provided by the policyholder and/or industry standard software used to estimate replacement costs. The actual cost to rebuild the structure may exceed the policy limits, especially during a catastrophic event and/or where an ordinance or law impacts repair or replacement. The agency makes no assurances that the policy limits provided will be XXX to rebuild the structure. If the amount of building coverage is questioned by the lender (or any party) the lender may supply this agency with a full copy of their appraisal on the property. If there is a discrepancy between the appraisal's estimated replacement cost and the agency's estimated replacement cost, after consultation with our customer, we will ask for their direction relating to the coverage amount. The estimated cost of this structure is XXX LM Updated.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Upload contained only email stating evidence of insurance and invoice attached. nothing was attached. The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The lender's guidelines require property insurance coverage amount for a first mortgage secured by a one to four unit property is at least equal to the lesser of: XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than XXX% of the replacement cost value of the improvements as of the current property insurance policy effective date. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 2/10/2026 | C A |
| XXX | XXXXX | 305031472 | finding-4033 | 2/10/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Documentation required to clear exception: Please provide Evidence of Appraisal delivery in a timely manner. Downgrade pending receipt. | Document Uploaded. investor exception approval | Exception for Rebuttable Presumption. The loan has APR of XXX%. The APR threshold to qualify fora a safe harbor is XXX%. APR is XXX% above APOR, making the transaction with Rebuttable Presumption. Exception Acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXXXX | 305031472 | FCRE8201 | 2/10/2026 | Credit | Eligibility | Loan does not conform to program guidelines | The lender's guidelines reflect all loans must be designated Safe Harbor QM except interest only loans. The compliance report reflects the subject as Rebuttable Presumption (Higher-Priced Covered Transaction). | Document Uploaded. investor exception approval | Exception for Rebuttable Presumption. The loan has APR of XXX%. The APR threshold to qualify fora a safe harbor is XXX%. APR is XXX% above APOR, making the transaction with Rebuttable Presumption. Exception Acknowledged. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305031472 | FCRE7497 | 1/28/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan application reflected property located at XXX XXX with a mortgage payment of XXX with XXX. The loan file contained an addendum to the subject property purchase reflecting purchasing subject, XXX The loan file is missing the payments associated with these properties. In addition, the credit report reflects timeshare with XXX Ownership #XXX. The application reflected dues in the amount of XXX per month. The loan file contained documentation for the timeshare; however, the documentation was missing proof the dues were XXX per month. | Document Uploaded. Timeshare account statement ; Document Uploaded. LE and LOE | Client provided LE dated XX/XX/XXXX for XXX reflecting a PITIA payment of XXX per month, LOE stating XXX is being purchased as a cash transaction and XXX statement reflecting XXX Annual due or XXX per month. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/28/2026 | D A |
| XXX | XXXXX | 305031472 | FCRE2371 | 1/24/2026 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | The loan application reflected property owned located at XXX XXX, XXX with status of sold. The loan file contained the Property Details Report, dated XX/XX/XXXX reflect ing the property was still owned by the borrower. | Settlement statement | ; CD, sale of XXX | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/24/2026 | D A |
| XXX | XXXXX | 305031472 | FPRO8998 | 1/19/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 1/19/2026 | A |
| XXX | XXXXX | 305031713 | FCRE1316 | 2/17/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Missing verification of existence of business for XXX dated within XXX calendar days of the note date, XX/XX/XXXX. XXX searches in file are missing dates. | Document Uploaded. | Borrower XXX 3rd Party VOE Prior to Close Was Provided; Client provided VVOE dated XX/XX/XXXX reflecting the Processor contacted XXX and spoke with the Office manager. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/17/2026 | D A |
| XXX | XXXXX | 305031713 | FPRO1242 | 2/4/2026 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. Primary XXX appraisal is missing. | Document Uploaded. appraisal | Appraisal is Present or is Waived; Client provided Full Appraisal for the subject property. LM Updated.; Appraisal is Missing. Primary XXX appraisal is missing. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D A |
| XXX | XXXXX | 305031713 | FCOM5135 | 1/28/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305031713 | FCRE8999 | 1/28/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A |
| XXX | XXXXX | 305042021 | FCRE9780 | 2/26/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing XXX is to purchase an investment property which would require a business purpose affidavit, however the document is missing from loan file. | Document Uploaded. BPA | Business Purpose Affidavit/Disclosure Provided; Client provided Business Purpose & Occupancy Affidavit. LM Updated. ; Business Purpose Affidavit/Disclosure Missing XXX is to purchase an investment property which would require a business purpose affidavit, however the document is missing from loan file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/26/2026 | D A |
| XXX | XXXXX | 305042021 | FPRO1242 | 2/2/2026 | Property | Missing Doc | Appraisal is Missing | XX/XX/XXXX Family Rider is Missing. Underwriter Comment: identified that the XX/XX/XXXX Family Rider is missing from the loan file. This rider is a required addendum to the Security Instrument (Deed of Trust per monthrtgage) for properties classified as X | Document Uploaded. 2nd Appraisal | Appraisal is Present or is Waived; Client provided 2nd Appraisal for subject property. LM Updated. ; Appraisal is Missing. XXX is over $XXX and therefore XXX appraisals are required. However, the 2nd appraisal for $XXX (as per AUS and XXX), as well as the UCDP reports, are missing from loan file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | D A |
| XXX | XXXXX | 305042021 | FCRE7496 | 2/2/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final XXX reflects the borrower is responsible for XXX in monthly HOA, however missing verification of HOA Dues | Document Uploaded. Credit Report, Updated XXX and XXX | Client provided Updated DU, XXX for both borrowers, XXX and Credit Reports. Documents reflect an HOA fee of $XXX. LM Updated. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/2/2026 | D A |
| XXX | XXXXX | 305042021 | FCOM8997 | 1/27/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/27/2026 | A |
| XXX | XXXXX | 305033578 | FCOM3849 | 2/2/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Providing evidence showing the borrowers received the appraisal at least XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Evidence of appraisal delivery uploaded | Evidence of appraisal delivery provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | B A |
| XXX | XXXXX | 305033578 | FCOM1621 | 2/2/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required- Initial Escrow Disclosure | Document Uploaded. IEADS uploaded | Initial Escrow Account Disclosure is Resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | B A |
| XXX | XXXXX | 305033578 | FCOM1232 | 1/29/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final XXX is Missing The file is missing both borrower's final XXX along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Document Uploaded. Final XXX and DU attached. | The Final XXX is Present; Client provided Final XXX for both borrowers and DU dated XX/XX/XXXX. LM Updated.; The Final XXX is Missing The file is missing both borrower's final XXX along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D A |
| XXX | XXXXX | 305033578 | FCRE3860 | 1/29/2026 | Credit | Missing Doc | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an XXX of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an XXX after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | Document Uploaded. attached scif | This Supplemental Consumer Information Form is Present.; Client provided SCIF. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/29/2026 | D A |
| XXX | XXXXX | 305033578 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 304872516 | FCOM8997 | 1/26/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 304872516 | FPRO8998 | 1/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 304872516 | FCRE8999 | 1/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/26/2026 | A |
| XXX | XXXXX | 305036773 | FCRE1325 | 2/13/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing A required 3rd party employment verification is required as per lender non-QM bank statement deposits income program. There is a business narrative statement for the business that states is to be provided from a 3rd party verifier, however its is signed by the borrower, not a 3rd party. There are other business verification documents in file, however they have no current dates to show a recent verification. | Document Uploaded. Website with activity; Document Uploaded. Cash flow analysis | Borrower XXX CPA Letter Provided; Cash flow analysis and website activity provided. Website activity is dated. ; Borrower XXX CPA Letter Missing A required 3rd party employment verification is required as per lender non-QM bank statement deposits income program. There is a business narrative statement for the business that states is to be provided from a 3rd party verifier, however its is signed by the borrower, not a 3rd party. There are other business verification documents in file, however they have no current dates to show a recent verification. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | D A |
| XXX | XXXXX | 305036773 | FCOM1266 | 2/13/2026 | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Showing evidence that borrowers received the HOC within XXX business days of application, XX/XX/XXXX, may cure the violation. | Document Uploaded. Homeowners Counseling disclosure | Homeownership Counseling Disclosure Is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B A |
| XXX | XXXXX | 305036773 | FCOM5135 | 2/13/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that borrowers received the ABD within XXX business days of application, XX/XX/XXXX, may cure the violation. | Document Uploaded. Uploaded Attestation re: no affiliates; Please provide further details on requirement or clear if not applicable - Per Lender: "This disclosure is not applicable, please clear" | Required Affiliated Business Disclosure Documentation Provided; The file doesnt contain documentation to confirm the lender has no affiliates. Provide an attestation indicating the lender has no affiliates or made no referral of business to its affiliates. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B A |
| XXX | XXXXX | 305036773 | FCOM3608 | 2/13/2026 | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to cure: The intent to proceed is missing. | Document Uploaded. Intent to proceed | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/13/2026 | B A |
| XXX | XXXXX | 305036773 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305036773 | finding-3352 | 2/4/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. The loan is an HPML and meets escrow and appraisal requirements. | Please resolve and close out this exception |  | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305042986 | FCRE2009 | 2/6/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR V11 Section XX/XX/XXXX Guidelines require XXX months rent loss coverage. The hazard insurance binders provided show no coverage. | Document Uploaded. Email from agent stating rent loss | Rent Loss Coverage Present; Client provided email from XXX with XXX stating: The policy has twelve months actual loss sustained available upon a covered peril. Specifically listed as Loss of Income and Extra Expense. LM Updated.; Missing rent loss insurance coverage XXX DSCR V11 Section XX/XX/XXXX Guidelines require XXX months rent loss coverage. The hazard insurance binders provided show no coverage. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D A |
| XXX | XXXXX | 305042986 | FCOM1221 | 2/6/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of trust copy must be a true and certified copy of the original recorded security instrument. | Document Uploaded. Recorded mortgage | The Deed of Trust is Present and Complete; Client provided Recorded Deed of Trust and Riders. LM Updated.; The Deed of Trust is Incomplete Deed of trust copy must be a true and certified copy of the original recorded security instrument. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D A |
| XXX | XXXXX | 305042986 | FCRE1325 | 2/4/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Exception required for a CPA letter confirming no negative impact of withdrawal from the business account. | Document Uploaded. CPA letter confirming withdrawal of funds will not negatively impact business | Client provided CPA letter stating: The use of Business funds to purchase XXX XXX will not negatively impact the flow of the business. Cleared. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D A |
| XXX | XXXXX | 305042986 | FPRO3678 | 1/30/2026 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per appraisal, the subject property is new construction zoned Rural. The subject is only on XXX acres, and there is an appraisal addendum that states the zoning (currently being re-assessed by county due to new construction) allows for residential use; highest and best use does not include agricultural activities. An Exception has been provided in file but is not approved. Comp factors are FICO score XXX substantial reserves, and experienced investor. | Document Uploaded. Investor approval | ; Exception for subject property in location Rural with Zoning A1 agricultural district. Exception acknowledged. ; One or more issues or defects with the property have been discovered. Per appraisal, the subject property is new construction zoned Rural. The subject is only on XXX acres, and there is an appraisal addendum that states the zoning (currently being re-assessed by county due to new construction) allows for residential use; highest and best use does not include agricultural activities. An Exception has been provided in file but is not approved. Comp factors are FICO score XXX substantial reserves, and experienced investor. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305042986 | FCOM8997 | 1/28/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/28/2026 | A |
| XXX | XXXXX | 305037848 | FCRE1193 | 2/3/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower was qualified under the XXX-month bank statement program with a XXX% expense factor. XXX guidelines has XXX expense factor options, a fixed XXX% or a 3rd party expense statement. The file contained a CPA letter but it did not indicate an expense factor. There was no other documentation found in the file to justify using the XXX% expense factor. Therefore, the XXX% factor must be used, resulting in income of XXX and a DTI of XXX%. | Document Uploaded. CPA letter | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client provided CPA Letter reflecting XXX% and a XXX expense ratio of XXX% LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C A |
| XXX | XXXXX | 305037848 | FCRE1495 | 2/3/2026 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Verification that the business is active and operating either no more than XXX business days prior to the Note Date, or after the Note Date but prior to XXX purchase is required with one of the following: o Evidence of current work (executed contracts or signed invoices) o Evidence of current business receipts o Business website demonstrating activity supporting current business operations | see recent payment report uploaded | ATR: Current Employment Was Verified; Client provided Vendor Payment Report for XXX payments received from XX/XX/XXXX - XX/XX/XXXX. LM Updated. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C A |
| XXX | XXXXX | 305037848 | FCRE1497 | 2/3/2026 | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered The CPA letter has been provided; the borrower has XXX% ownership. The borrower has qualified based on a XXX-month bank statement (a business bank statement was provided), and the lender guide mentioned a fixed expense ratio of XXX% regardless of the business type; however, the lender considered an expense ratio of XXX% which is also XXX% higher than the minimum expense factor allowed as per the lender guide |  | ATR: XXX Income or Assets Was Considered | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C A |
| XXX | XXXXX | 305037848 | FCRE1438 | 2/3/2026 | Credit | Eligibility | ATR Risk | ATR Risk Borrower was qualified under the XXX-month bank statement program with a XXX% expense factor. XXX guidelines has XXX expense factor options, a fixed XXX% or a 3rd party expense statement. The file contained a CPA letter but it did not indicate an expense factor. There was no other documentation found in the file to justify using the XXX% expense factor. Therefore, the XXX% factor must be used, resulting in income of XXX and a DTI of XXX%. |  | ATR Risk Resolved | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | C A |
| XXX | XXXXX | 305037848 | FCRE1316 | 2/3/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Lender verified employment with a printout from the XXX Department of State. However, guidelines require borrower's business be verified with evidence of current work, evidence of current business receipts, or business website demonstrating activity. Any verification must be dated within XXX days of the Note date. The bank statements from XXX #XXX do reflect receipt of business income, but the most recent statement is not dated within XXX days of the Note and is not acceptable. | Document Uploaded. recent payment report | Client provided Vendor Payment Report for XXX payments received from XX/XX/XXXX - XX/XX/XXXX. LM Updated.; Borrower XXX 3rd Party VOE Prior to Close Was Provided | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/3/2026 | D A |
| XXX | XXXXX | 305037848 | finding-3352 | 1/17/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §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. | Please resolve this exception and close it out. |  | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/17/2026 | A |
| XXX | XXXXX | 305037848 | FPRO8998 | 1/15/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/15/2026 | A |
| XXX | XXXXX | 305037849 | FCOM1221 | 2/4/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Per DSCR XXX Program v11, the Mortgage Security Instrument must be a true and certified copy of the original recorded security instrument. The Mortgage in file is not certified. | Document Uploaded. DOT | The Deed of Trust is Present and Complete; Client provided the Recorded Deed of Trust. LM Updated.; The Deed of Trust is Incomplete Per DSCR XXX Program v11, the Mortgage Security Instrument must be a true and certified copy of the original recorded security instrument. The Mortgage in file is not certified. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | D A |
| XXX | XXXXX | 305037849 | FCOM8997 | 2/2/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305037849 | FPRO8998 | 2/2/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/2/2026 | A |
| XXX | XXXXX | 305038552 | FCRE1201 | 2/5/2026 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The full 3rd party Fraud Report has not been provided. LDP and OFAC searches in file. LDP reflects alert for the appraisal company. Full report required. | Document Uploaded. Fraud rpt | Third Party Fraud Report is provided; Client provided Full Third Party Fraud report that reflects Appraisal issue was cleared. LM Updated.; Missing Third Party Fraud Report The full 3rd party Fraud Report has not been provided. LDP and OFAC searches in file. LDP reflects alert for the appraisal company. Full report required. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/5/2026 | D A |
| XXX | XXXXX | 305038552 | FCOM5135 | 1/30/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305038552 | FPRO8998 | 1/30/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 1/30/2026 | A |
| XXX | XXXXX | 305047504 | FCRE5116 | 2/20/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for all mortgages. The XXX #XXX mortgage associated with REO at XXX has only XXX month payment history reporting on credit report and supplement. However, the mortgage was opened XX/XX/XXXX and subject loan closed XX/XX/XXXX. Verification of all mortgage payments made on the loan is required. | Lender's response: The mortgage was transferred from XXX XXX to XXX all paid as agreed.; Lender's response: The subject loan closed XX/XX/XXXX, not XX/XX/XXXX. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client states: Lender's response: The mortgage was transferred from XXX Mortgage XXX to XXX all paid as agreed. Verified XXX DLA XX/XX/XXXX and XXX Opened XX/XX/XXXX. LM Updated.; Final Credit report dated XX/XX/XXXX reflects XXX mortgage opened XX/XX/XXXX, reported XX/XX/XXXX and reflects XXX month reviewed. Date last active XX/XX/XXXX. XXX month payment history required for Primary residence. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for all mortgages. The XXX #XXX mortgage associated with REO at XXX has only XXX month payment history reporting on credit report and supplement. However, the mortgage was opened XX/XX/XXXX and subject loan closed XX/XX/XXXX. Verification of all mortgage payments made on the loan is required. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/20/2026 | D A |
| XXX | XXXXX | 305047504 | FCRE2009 | 2/12/2026 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage No evidence of rent loss coverage on H/O declaration page. | Document Uploaded. HOI | Rent Loss Coverage Present; Client provided Foremost Basics Declarations Page reflecting Loss of Rents coverage of XXX LM Updated.; Missing rent loss insurance coverage No evidence of rent loss coverage on H/O declaration page. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/12/2026 | D A |
| XXX | XXXXX | 305047504 | FCOM1221 | 2/11/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is not stamped true & certified, as required per guidelines. | Document Uploaded. Stamped Mortgage | The Deed of Trust is Present and Complete; Client provided True and Certified copy of the Mortgage. LM Updated.; The Deed of Trust is Incomplete Mortgage is not stamped true & certified, as required per guidelines. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/11/2026 | D A |
| XXX | XXXXX | 305047504 | FCOM8997 | 2/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 305047504 | FPRO8998 | 2/4/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 304909727 | FCOM1229 | 2/6/2026 | Credit | Missing Doc | 1-4 Family Rider is Missing | XX/XX/XXXX Family Rider is Missing. Underwriter Comment: identified that the XX/XX/XXXX Family Rider is missing from the loan file. This rider is a required addendum to the Security Instrument (Deed of Trust per monthrtgage) for properties classified as XX/XX/XXXX family residential real estate and must be executed by the borrower(s) at closing. The executed XX/XX/XXXX Family Rider must be uploaded to the loan file to satisfy this material condition and ensure compliance with investor closing document requirements. |  | Assignment of rents reflected in section XXX of the mortgage. Condition cleared.; | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D A |
| XXX | XXXXX | 304909727 | FCOM1114 | 12/29/2025 | Compliance | Points & Fees | Late Charge Percent is greater than 6% | Late Charge Percent is greater than XXX% because XXX% exceeds typical late charge caps. The entries match the note exactly. | Please acknowledge this exception as non-material. Lenders guidelines do not limit late fee on DSCR transactions. |  | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2025 | C A |
| XXX | XXXXX | 304909727 | FCRE1254 | 12/24/2025 | Credit | Title | Property Title Issue | Property Title Issue Provide Final Title reflecting original lien in the amount of XXX is satisfied | Document Uploaded. Please see the recorded satisfaction for the lien. | Recevied satisfaction of lien. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | C A |
| XXX | XXXXX | 304909727 | FVAL9739 | 12/24/2025 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: | Document Uploaded. In the comments section of the appraisal it states that the tenant is in the process of moving into the home. | ; Recieved XXX comments reflecting subject is brand new construction and the tenant is in the process of moving in.; Received XXX page reflecting the tenant is in the process of moving into the property as the subject is brand new construction. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2025 | C A |
| XXX | XXXXX | 304909727 | FCRE8999 | 12/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304894650 | FPRO8998 | 12/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 304894650 | FCRE8999 | 12/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 304894650 | FCOM8997 | 12/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/5/2025 | A |
| XXX | XXXXX | 305047133 | FPRO9990 | 2/6/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is required and is not in the file. | Document Uploaded. | Third party valuation product provided within tolerance.; Client provided additional Appraisal. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third party valuation is required and is not in the file. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C A |
| XXX | XXXXX | 305047133 | FCRE5116 | 2/6/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for the borrower's primary housing. All borrowers/guarantors must maintain a primary residence. File does not contain a Verification of Rent (VOR) for the borrower's primary residence: VOR completed by landlord, if property manage company, a VOR form is acceptable. If landlord is a private party then XXX months of documented rent payments will be required. | Document Uploaded. Lender's response: Attached LOE. Borrower has lived rent free for XXX years. With the experience I just uploaded, this is acceptable. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Rent free LOX provided. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX month payment history for the borrower's primary housing. All borrowers/guarantors must maintain a primary residence. File does not contain a Verification of Rent (VOR) for the borrower's primary residence: VOR completed by landlord, if property manage company, a VOR form is acceptable. If landlord is a private party then XXX months of documented rent payments will be required. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | D A |
| XXX | XXXXX | 305047133 | FCRE3000 | 2/6/2026 | Credit | Eligibility | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Inexperienced Investor: Must currently own a primary residence for at least one year. Borrower owned subject property for XXX months. Per guidelines must be at least XXX months. | Document Uploaded. Attached additional experience. | Borrower Rental Experience Within Guidelines; additional documents provided confirming primary residence at XXX mos. ; Borrower Rental Experience Not Within Guidelines | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C A |
| XXX | XXXXX | 305047133 | FVAL5524 | 2/6/2026 | Property | Property | Ineligible Property | The file contains leases for all units. Leases were effective as of XX/XX/XXXX (#XXX), XX/XX/XXXX (#XXX) and XX/XX/XXXX (#XXX). However, the appraisal is dated XX/XX/XXXX, after the effective date of all the leases, and shows all units are vacant at the time of the report. No explanation as to why all the units are still vacant after the lease effective dates. Per lender guidelines, vacant refinances are not allowed. | Document Uploaded. Attached revised version. The units are all occupied. | Updated appraisal provided reflecting all units occupied. | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/6/2026 | C A |
| XXX | XXXXX | 305047133 | FCOM8997 | 2/4/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/4/2026 | A |
| XXX | XXXXX | 304908744 | FCOM8997 | 12/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304908744 | FCRE8999 | 12/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A |
| XXX | XXXXX | 304908744 | FPRO8998 | 12/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/9/2025 | A |

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## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304494957 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734771 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847781 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866785 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868073 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013334 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013324 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305013325 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894632 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477566 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304705154 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304707675 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304684693 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811760 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748770 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813303 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847783 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847784 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867977 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826967 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858952 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852951 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893824 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871987 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874746 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874100 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304888285 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893699 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304973614 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846321 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304872627 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852312 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874322 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873981 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304896372 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909602 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874320 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304895014 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908707 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848521 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848475 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779741 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728948 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898583 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898534 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495494 | XXXXX D B A | N/A | N/A B D | N/A | N/A B D | N/A | N/A B D | N/A | N/A B D | N/A | N/A B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866893 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893335 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902654 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902722 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871809 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859641 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893083 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026823 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026778 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037633 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037637 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037573 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037746 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902425 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037699 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037681 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037649 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037648 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037610 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037578 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047765 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037809 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037593 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037571 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037726 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037587 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050673 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050670 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050665 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050646 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050642 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050604 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047767 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050678 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050658 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050651 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050626 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050598 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037774 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037607 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050579 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037570 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050570 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050507 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050504 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050502 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050428 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050664 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050522 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050517 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047764 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037583 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050614 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050523 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050660 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050501 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050417 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050583 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037783 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050580 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050557 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844044 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304731515 | XXXXX D A | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C D | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859560 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844211 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859755 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893526 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035829 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035828 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035823 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305031009 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304911758 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305035818 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035817 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869180 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304872535 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035812 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304903051 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304859503 | XXXXX D B A | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902534 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304902363 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050684 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037801 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050681 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037786 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037778 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050668 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037738 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037737 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050657 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050649 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037695 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037680 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037679 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037674 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050643 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037659 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037653 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037652 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304898135 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898120 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898098 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037643 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037639 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037634 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037629 | XXXXX C A B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037624 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037617 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037608 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037602 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037595 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050603 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037576 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050596 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037566 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050587 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050548 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050524 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050515 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050460 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050423 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050412 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304875038 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035796 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035788 | XXXXX C B | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035781 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035777 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035773 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035769 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035756 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035751 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035750 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035749 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035748 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035745 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035744 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035742 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035740 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035736 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035735 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035733 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035728 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305025798 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035713 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035712 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035709 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035707 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035696 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035693 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035687 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035683 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035673 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035668 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035663 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035661 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035660 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035648 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035641 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035632 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035630 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035624 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035620 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035618 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035617 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035615 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035611 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035606 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035601 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304895531 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304908677 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908676 | XXXXX D B A | A | A D B | A | A D B | A | A D B | A | A D B | A | A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909879 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305031742 | XXXXX D B A | B | B A D | B | B A D | B | B A D | B | B A D | B | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305012711 | XXXXX D A | B | A B D | B | A B D | B | A B D | B | A B D | B | A B | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors |
| 304896763 | XXXXX D A C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305023970 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305023971 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305024033 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024034 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024039 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305024040 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026167 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305047131 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305027443 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305027454 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305034651 | XXXXX D B A | D | B A D | D | B A D | D | B A D | D | B A D | D | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305028829 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029164 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029202 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029220 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029219 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029227 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305029726 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305029729 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305057821 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305030767 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031042 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305031474 | XXXXX D B A | B | B C A D | B | B C A D | B | B C A D | B | B C A D | B | B C A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305031472 | XXXXX D B | B | B A D | B | B A D | B | B A D | B | B A D | B | B A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305031713 | XXXXX D B A | B | B D A | B | B D A | B | B D A | B | B D A | B | B D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305042021 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 305033578 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872516 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305036773 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305042986 | XXXXX D B A | A | A C B D | A | A C B D | A | A C B D | A | A C B D | A | A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037848 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305037849 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305038552 | XXXXX D B A | B | B A D | B | B A D | B | B A D | B | B A D | B | B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305047504 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304909727 | XXXXX D A | C | A C D | C | A C D | C | A C D | C | A C D | C | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304894650 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047133 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908744 | XXXXX A | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **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** |
| 304494957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304734771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.19% | 75.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304847781 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 35.29% | 35.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304866785 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304868073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305013334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305013324 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305013325 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304894632 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.49% | 78.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304477566 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304705154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 69.87% | 69.87% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.15% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304707675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.69% | 71.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304684693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304811760 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 2.5 |  |
| 304847783 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304847784 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304867977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.5 |  |
| 304826967 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.21% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852951 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871987 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304874746 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304874100 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304888285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893699 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.62% | 74.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304973614 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846321 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304872627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.15% | 70.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852312 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304874322 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304873981 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304896372 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304909602 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.75% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304874320 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.02% | 78.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304895014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304908707 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304848521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.14% | 77.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.43% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898534 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304495494 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304866893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304893335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.88% | XX/XX/XXXX | Form 1025 |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304902722 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.64% | 63.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304871809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.04% | 67.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.64% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304859641 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 76.90% | 76.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304893083 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305026823 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.70% | 50.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305026778 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037633 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.60% | 57.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037637 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305037573 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 305037746 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902425 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037699 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.62% | 47.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305037681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 42.91% | 42.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305037649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305037648 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037610 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.55% | 54.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305037578 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 67.57% | 67.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305047765 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 5.25% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037809 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305037593 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 33.33% | 33.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037571 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 4.65% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 305037726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 305037587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.76% | 53.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 305050670 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 305050665 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.07% | 72.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 305050646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 305050642 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 305050604 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 305047767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 47.62% | 47.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.04% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305050678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.54% | 68.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 305050658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305050651 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.95% | 69.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 305050626 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050598 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037774 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 72.22% | 72.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305050579 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 73.40% | 73.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037570 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305050570 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.37% | 68.37% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050507 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305050504 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305050502 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050428 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.95% | 54.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.20% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 305050522 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.5 |  |
| 305050517 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305047764 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 17.63% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.59% | 74.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 305050614 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.08% | 62.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.67% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305050523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible | 4.4 |  |
| 305050501 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305050417 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.5 |  |
| 305050583 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037783 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305050580 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 49.04% | 49.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 305050557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304844044 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 71.88% | 71.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304731515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859560 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304844211 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.84% | 79.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304859755 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304893526 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90% | 89.90% | XXX | XXX | 0.00% | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305035829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035828 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 83.41% | 83.41% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305035823 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305031009 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 304911758 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 305035818 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035817 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304869180 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304872535 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 82.87% | 82.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 305035812 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304903051 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304859503 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 52.94% | 52.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304902534 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.46% | 59.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304902363 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 47.30% | 47.30% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305050684 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.56% | 53.56% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305050681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 305037786 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 305037778 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305050668 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305037738 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.25% | 79.25% | XXX | XXX | -4.53% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.53% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 305037737 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305050657 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.10% | 53.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305050649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305037695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037679 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 305037674 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 76.72% | 76.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305037659 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037653 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037652 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304898135 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 55.15% | 55.15% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304898120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 41.84% | 41.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304898098 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 31.12% | 31.12% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 305037643 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.76% | 64.76% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305037639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037634 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305037624 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 57.69% | 57.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 305037617 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 305037608 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 54.29% | 54.29% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305037602 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.75% | 60.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305037595 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 305050603 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305037576 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305050596 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 305037566 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050587 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050548 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305050524 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 67.86% | 67.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050515 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 305050460 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 305050423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305050412 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304875038 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 49.99% | 49.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305035796 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 305035788 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305035781 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 305035777 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.99% | 79.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305035769 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.54% | 56.54% | XXX | XXX | -7.80% | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -18.19% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.80% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 305035756 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 305035751 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | XXX | XXX | -1.85% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.85% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035750 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035749 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035748 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035745 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035744 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.94% | 79.94% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035740 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035736 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 70.31% | 70.31% | XXX | XXX | -6.25% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.25% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305035733 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.93% | 78.93% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305035728 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305025798 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.52% | 79.52% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  | $XXX | $XXX | 0.89% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.89% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305035712 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035709 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  | $XXX | $XXX | 0.52% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.52% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 305035707 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.22% | 65.22% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035696 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.04% | 68.04% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035687 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 45.00% | 45.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035683 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035673 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 53.33% | 53.33% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 305035668 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 41.24% | 41.24% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305035663 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035661 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 305035660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035648 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 43.43% | 43.43% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | 1.41% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 1.40% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035641 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035632 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.73% | 72.73% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035630 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 53.60% | 53.60% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035624 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 305035620 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.78% | 59.78% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035618 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 305035617 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035615 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.96% | 89.96% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035606 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 305035601 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304895531 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 52.19% | 52.19% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 304908677 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304908676 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909879 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90% | 89.90% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 305031742 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 305012711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304896763 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.91% | 64.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305023970 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99% | 89.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305023971 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024033 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305024034 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 305024039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.86% | 74.86% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 305024040 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305026167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90% | 89.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305047131 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305027454 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.06% | 72.06% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034651 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305028829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305029164 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029202 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.86% | 63.86% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029220 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.64% | 61.64% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029219 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.86% | 63.86% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029227 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305029729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 305057821 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 305030767 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305031042 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99% | 89.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305031472 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.66% | 89.66% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 305031713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90% | 89.90% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 305042021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 11.90% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033578 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.90% | 89.90% | XXX | XXX | -0.50% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.50% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304872516 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Appraisal Narrative | XXX | 60.99% | 60.99% | XXX | XXX | 0.00% | Broker Price Opinion (BPO) Quick Sale |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305042986 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 305037848 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.85% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037849 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | -1.23% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.23% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038552 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.00% | 85.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 305047504 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304909727 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304894650 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.80% | 70.80% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 75.00% | 75.00% | XXX | XXX | 5.63% | 1025 Small Residential Income Report |  |  |  |  | $XXX | $XXX | 5.63% | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304908744 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.66% | 68.66% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from June 2025 to January 2026 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (in such capacity, the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 10 Loans selected by the Client to include in JPMMT 2026-NQM2 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 10 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

---

| |
|:---|
| Inglet Blair, LLC Deal Summary |
| JPMMT 2026-NQM2 |
| Page 1 |

---

&nbsp;&nbsp;&nbsp;&nbsp;

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

---

| |
|:---|
| Inglet Blair, LLC Deal Summary |
| JPMMT 2026-NQM2 |
| Page 2 |

---

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement of assumptions
and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

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&nbsp;&nbsp;&nbsp;&nbsp;

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For nine (9) business purpose loans, no TRID compliance testing was completed.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable
Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt
by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days
of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or
APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans
(1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding
appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and
content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers
received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test
to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014
to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021
to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and
DTI below 43% and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021
to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after
10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates
from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky
feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved
AUS, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR")
(1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation
or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB
objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

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&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer's
current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling,
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies
on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer's
monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer's
monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph
(c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer's
monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer's
current debt obligations, alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer's
monthly debt-to-income ratio or residual income in accordance with paragraph (c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer's
credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial
LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within
seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Provided
within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete
in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Contains
NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirm
creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ensure
technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed, Total
of Payments ("TOP"), and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal and Interest
payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the
correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are
present, complete and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance,
rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete – Late Payment
matches the note and the escrow section is consistent within the disclosure

o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

o Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

o LE and CD form(s) provided to the borrower are consistent across the loan process

o NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated
above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction
columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory
lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement
Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and
timing of the Right to Receive Copy of Appraisal Disclosure

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Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;9 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

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&nbsp;&nbsp;&nbsp;&nbsp;

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp; Cash Out: Other/Multipurpose/<br> Unknown purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp; Rate/Term Refinance -- Borrower<br> initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;5 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;dPUD (PUD with "de minimus" monthly<br> HOA dues | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100%** |

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## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304725144 | Sales Price | (redacted) | (redacted) | Tape Value is the Appraisal Value. Review Value is the Sales Price. |
| (redacted) | 304725144 | Original Loan to Value | (redacted) | (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304725144 | Original Combined Loan to Value | (redacted) | (redacted) | Review Value calculated from the lesser sales price, (redacted). Tape is calculated from the greater appraisal value (redacted). |
| (redacted) | 304907192 | Property Type | Two Family | Four Family | Subject consists of four units that is located within a PUD as per the appraisal. Source of Tape Value is unknown. |
| (redacted) | 304907192 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Sales Price | (redacted) | (redacted) | Tape Value contains a typographical error. Review Value is the sales prices as per the purchase contract. |
| (redacted) | 305027277 | Original Loan to Value | (redacted) | (redacted) | Approved LTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Original Combined Loan to Value | (redacted) | (redacted) | Approved CLTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Total Debt to Income Ratio | (redacted) | (redacted) | Variance < (redacted) is non-material. |
| (redacted) | 305027277 | QM/ATR Designation | Not Covered / Exempt | QM (APOR) / Non-HPML | Source of Tape Value is unknown. |
| (redacted) | 305031124 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 305026226 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material. |
| (redacted) | 305032512 | Escrow Impounds? | No | Yes | Review Value captured from the CD and Escrow Disclosure. Source of Tape Value is unknown. |
| (redacted) | 305032512 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), variance is non-material. Source of Tape Value is unknown. |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304725144 (redacted) | 1115395 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review.<br> 06/16/2025 Attached search, (redacted), does not match borrowing entity, (redacted).<br> --Finding remains. Missing investor acknowledgement for missing background check for borrowing entity,(redacted). Search provided rendered no results (redacted). Entity was incorporated in (redacted). | Funded C B |
| (redacted) | 304725144 (redacted) | 1115407 | 06/12/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing Loan Application, which includes property / rental / financial information, declarations, and the loan originator information. The (redacted) application consists of (redacted) parts: Business Purpose Borrower Application, Loan Application, and Guarantor Application. Loan file includes Business Purpose Borrower Application and Guarantor Application. | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd Loan Application. - 06/16/2025 Recd Loan Application. | Funded C A |
| (redacted) | 304725144 (redacted) | 1115460 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. Loan number is inaccurate, actual loan number, (redacted). | 06/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). - 06/16/2025 Recd revised EOI reflecting the subject loan number (redacted). | Funded C A |
| (redacted) | 304725145 (redacted) | 1115435 | 06/12/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity. Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing.<br> 06/18/2025 Escalated to investor for review. | Funded C B |
| (redacted) | 304725145 (redacted) | 1115436 | 06/12/2025 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | Entity Certificate is not signed by the borrowing guarantor. The Entity Certificate is only signed by limited owner. | 06/20/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/20/2025 Recd Entity Certificate electronically signed by the borrowing guarantor. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115439 | 06/12/2025 | Credit | APN Number and/or Legal Descriptions do not match security instrument | COLL 0002 | 3 | 1 | Closed | APN on the Mortgage is inaccurate. Actual APN per appraisal / title commitment / tax cert, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd scrivener's affidavit. - 06/17/2025 Recd scrivener's affidavit. | Funded C A |
| (redacted) | 304725145 (redacted) | 1115448 | 06/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing corrected insurance reflecting the subject loan number. EOI loan number is inaccurate, actual loan number, (redacted). | 06/17/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/17/2025 Recd revised EOI with correct loan number (redacted). - 06/17/2025 Recd revised EOI with correct loan number (redacted). | Funded C A |
| (redacted) | 304729044 (redacted) | 1116901 | 06/23/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing revised evidence of insurance reflecting the correct loan number, (redacted). EOI in file reflects loan number (redacted). | 06/25/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/25/2025 Recd revised EOI reflecting the correct loan number. - 06/25/2025 Recd revised EOI reflecting the correct loan number. | Funded C A |
| (redacted) | 304729044 (redacted) | 1116902 | 06/23/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 2 | 2 | Acknowledged | Missing investor acknowledgement for missing background check for borrowing entity, (redacted). Search provided rendered no results. Entity was incorporated in (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; |  | 06/24/2025 EV2/B - Investor Acknowledged Exception, (redacted) site shows the business exists and there is no reason to believe it is not in good standing. | Funded C B |
| (redacted) | 304734111 (redacted) | 1118620 | 07/03/2025 | Credit | Flood Notice Was Not Provided to Applicant(s) | FLOOD 0001 | 2 | 2 | Acknowledged | Missing evidence the Notice of Special Flood Hazard disclosure was provided to the borrower. Flood zone is AE.. |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified. <br>; |  | Client: 07/03/2025 EV2/B - Investor Acknowledged Exception. | Funded B |
| (redacted) | 304893492 (redacted) | 1150823 | 11/20/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Missing investor acknowledgement to use market rent developed using leases on a monthly basis rather than 12-month annual leases. Per appraiser, this is typical for this submarket due to the area's tenant profile and the prevalence of property management companies that cater to shorter-term or flexible rental arrangements. <br>Review DSCR (redacted) > (redacted) Minimum Required with (redacted) vacancy factor applied as required for short term rental income.--Per guidelines, Income is limited to market rent for long term tenancy. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) months verified PITIA reserves > (redacted) months required.; |  | 12/03/2025 EV2/B - Investor accepts the use of the market rent developed using leases on a monthly basis versus annual leases.<br>12/03/2025 Escalated to investor for review. | Funded C B |
| (redacted) | 304893492 (redacted) | 1150828 | 11/20/2025 | Credit | Purchase Contract is Deficient | CRED 0085 | 3 | 1 | Closed | Missing copy of the seller executed rider to the purchase contract disclosing the buyer has a direct relationship with real estate agent. | 12/02/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) months verified PITIA reserves > (redacted) months required.; |  | 12/02/2025 Finding is cleared with the attached seller initialed rider to the purchase contract disclosing the buyer has a direct relationship with real estate agent. - 12/03/2025 Finding is cleared with the attached seller initialed rider to the purchase contract disclosing the buyer has a direct relationship with real estate agent. | Funded C A |
| (redacted) | 304893492 (redacted) | 1150835 | 11/20/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 3 | 1 | Closed | Short Sale transaction where the buyer is paying the HOA Claim Lien of (redacted). Lender defers to agency. Missing the following documentation required by (redacted):<br>The borrower (buyer) must be provided with written details of the additional fees, assessments, or payments and the additional necessary funds to complete the transaction must be documented.<br>The servicer that is agreeing to the preforeclosure or short sale must be provided with written details of the fees, assessments, or payments and has the option of renegotiating the payoff amount to release its lien.<br>All parties (buyer, seller, and servicer) must provide their written agreement of the final details of the transaction which must include the additional fees, assessments, or payments. This can be accomplished by using the Request for Approval of Short Sale or Alternative Request for the Approval of Short Sale forms published by the (redacted) or any alternative form or addendum. | 12/09/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified reserves - (redacted) months verified PITIA reserves > (redacted) months required.; |  | 12/09/2025 Finding is cleared with the attached executed copy of: Title executed Short Sale Approval Letter, Warranty Deed, Seller executed Short Sale Approval Letter, Seller/Title/Buyer/Buyer Agent/Seller Agent executed Affidavit of Non-Arms Length. Short Sale Approval Letter previously provided (redacted). Loan file contains executed mortgage holder contract addendum. Selling agent received commission, not buyer agent. Per contract, If the Buyer receives concessions from the sale, the Buyer cannot pay any liens, judgments or other items that are owed by the Seller and cannot receive cash back at closing. Buyer paid HOA Claim Lien at closing. - 12/09/2025 Finding is cleared with the attached executed copy of: Title executed Short Sale Approval Letter, Warranty Deed, Seller executed Short Sale Approval Letter, Seller/Title/Buyer/Buyer Agent/Seller Agent executed Affidavit of Non-Arms Length. Short Sale Approval Letter previously provided 12/2. Loan file contains executed mortgage holder contract addendum. Selling agent received commission, not buyer agent. Per contract, If the Buyer receives concessions from the sale, the Buyer cannot pay any liens, judgments or other items that are owed by the Seller and cannot receive cash back at closing. Buyer paid HOA Claim Lien at closing.<br> 12/03/2025 Recd contract addendum.<br> 12/03/2025 Finding is partially cleared with the attached short sale approval letter. -- Finding remains. Missing executed copies of the attached documents to evidence buyer / sellers acknowledgement of the terms. Also missing (redacted) acknowledgement that the non-borrowing spouse was compensated real estate broker commission at closing. Per the approval, neither seller nor buyers were to receive commissions for the sale. | Funded C A |
| (redacted) | 304907192 (redacted) | 1154221 | 12/12/2025 | Credit | DSCR Calculation Discrepancy | DSCR 0001 | 3 | 1 | Closed | Review DSCR (redacted) < (redacted) using market rent of (redacted) which is less than the monthly rent from the newly executed leases of (redacted) dated (redacted). Lender qualified the borrower using the monthly rent from the leases. Evidence of deposit and first months rent was not provided in file. Additionally, lender did not include the monthly HOA fee of (redacted). --Per guidelines, Qualifying Rental Income for Subject Property: Gross Income - Defined as the lower of estimated market rent from appraisal Form (redacted) ((redacted) units) or monthly rent from existing property leases if available. If the lease rent amount is higher, it may be utilized with two (redacted) months' proof of receipt | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached updated DSCR calc using the lesser market rent and including the HOA fee. Review DSCR (redacted) > (redacted) Minimum Required. Vacancy factor applied in error at time of initial review resulting in the DSCR < (redacted). - 12/16/2025 Finding is cleared with the attached updated DSCR calc using the lesser market rent and including the HOA fee. Review DSCR (redacted) > (redacted) Minimum Required. Vacancy factor applied in error at time of initial review resulting in the DSCR < (redacted). | Funded C A |
| (redacted) | 304907192 (redacted) | 1154223 | 12/12/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Appraiser's analysis of the actual current rent of (redacted) does not match to the recently executed lease agreements (redacted) dated (redacted). Prior lease agreements were not provided for review. The discrepancy should be addressed. | 12/29/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/29/2025 Finding is cleared with the attached revised appraisal report. - 12/29/2025 Finding is cleared with the attached revised appraisal report. | Funded C A |
| (redacted) | 304907192 (redacted) | 1154227 | 12/12/2025 | Credit | Title Issue affecting Lien Position | TITL 0003 | 3 | 2 | Acknowledged | Missing final title policy or evidence that the vendors lien dated (redacted) in the amount of (redacted) has been satisfied. Loan proceeds were not used to payoff any liens. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 02/11/2026 EV2/B Finding is downgraded with the attached release of lien filed post-consummation. | Funded C B |
| (redacted) | 304907192 (redacted) | 1154234 | 12/12/2025 | Credit | Missing and/or Deficient Name Affidavit | CRED 0094 | 3 | 2 | Acknowledged | Missing name affidavit, (redacted). Name spelling varies between Drivers License, Entity Docs, Title, and Security Instrument. Signature/Name affidavit in file does not reflect the alternate name. Closing condition (redacted), Closing - AKA Statement - Closer to prepare final AKA statement for the following AKA'S: (redacted). |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/31/2025 EV2/B - Received post-consummation dated Signature/Name Affidavit. | Funded C B |
| (redacted) | 304907192 (redacted) | 1154235 | 12/12/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing borrower signed statement confirming that the borrowing entity was established to manage real estate. Operating Agreement does not explicitly state the purpose. Closing condition (redacted), Funding - Prior to Funding Condition - Signed statement from the borrower that the purpose of (redacted) is to buy and rent real estate.--Per guidelines, (redacted) must have been created to manage rental properties only. | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached borrower signed statement confirming that the borrowing entity was established to buy and rent real estate. - 12/16/2025 Finding is cleared with the attached borrower signed statement confirming that the borrowing entity was established to buy and rent real estate.<br>12/15/2025 Cash out letter is insufficient to satisfy the finding. -- Missing is borrower signed statement confirming that the borrowing entity was established to manage real estate. | Funded C A |
| (redacted) | 304907192 (redacted) | 1154241 | 12/12/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing Corporate Resolution, (redacted), and Correction Agreement. -- Per Guidelines, (redacted) as Mortgagor with Personal Guarantor: Corporate Resolution from the board to authorize the taking out of debt in the (redacted)s name; All (redacted) authorized signers (non-guarantors) must sign the following documents: Correction agreement. | 02/20/2026 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 02/20/2026 Review confirmed both owners executed the Note, thus satisfactorily documenting the authorization of the loan in the name of the business. - 02/20/2026 Review confirmed both owners executed the Note, thus satisfactorily documenting the authorization of the loan in the name of the business.<br> 02/20/2026 Finding is partially cleared with the attached correction agreement. Still missing Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name.<br> 12/31/2025 Finding is partially cleared with the attached correction agreement. Still missing Corporate Resolution to borrower, (redacted). | Funded D A |
| (redacted) | 304907192 (redacted) | 1154242 | 12/12/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Property insurance is in the name of the guarantor, not in the name of (redacted). -- Per guidelines, Policies must be in the name of the (redacted). | 12/16/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Documented Reserves > (redacted) Months Required.; |  | 12/16/2025 Finding is cleared with the attached EOI, name of insured updated to (redacted). - 12/16/2025 Finding is cleared with the attached EOI, name of insured updated to (redacted). | Funded C A |
| (redacted) | 305027277 (redacted) | 1157236 | 12/31/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 3 | 1 | Closed | E-Sign Consent and Tracking Documentation is not in file. Some documents are electronically executed. | 01/06/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on departing residence.; |  | 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. - 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157667 | 01/05/2026 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing credit supplement evidencing < (redacted) months payments remaining, (redacted). The (redacted) payment was excluded, but there was (redacted) payments remaining based on the outstanding balance of (redacted) ((redacted) months). -- Per (redacted), For each liability that belongs to the borrower, provide documentation that supports the omission. -- Per (redacted), All installment debt that is not secured by a financial asset—including student loans, automobile loans, personal loans, and timeshares—must be considered part of the borrower's recurring monthly debt obligations if there are more than ten monthly payments remaining. -- DTI increased (redacted) with the payment considered (Max (redacted)). DTI increase > (redacted) requires (redacted) resubmission if the credit supplement does not reflect < (redacted) months remaining. --- Per (redacted), (redacted) loans trigger for resubmission — the result of these changes causes the DTI ratio recalculated by the lender to now exceed (redacted), or increase by (redacted) percentage points or more (if the recalculated DTI ratio is (redacted) or less). | 01/07/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on departing residence.; |  | 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted) months remaining. - 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted) months remaining. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157686 | 01/05/2026 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 3 | 1 | Closed | Missing investor acknowledgment. DTI is (redacted) excluding the non-occupying borrowers' income. Guidelines defer to (redacted). -- Per (redacted) selling guide B2-2-04, Down Payment and Qualifying Ratio Requirements for Manually Underwritten Loans: Using only the income of the occupying borrower(s) to calculate the DTI ratio, the maximum allowable DTI ratio is (redacted). Note: This policy applies even if the combined qualifying ratios for the borrower and the guarantor, co-signer, or non-occupant borrower are well below (redacted) standard qualifying ratio benchmark. Minimum credit score and reserve requirements based on the LTV ratio and combined qualifying ratios of all borrowers must be met per the Eligibility Matrix. | 01/07/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on departing residence.; |  | 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. - 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157701 | 01/05/2026 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 3 | 1 | Closed | Missing copies of deposit and first months rent for co-borrowers primary residence, (redacted). Only the lease agreement was provided. -- Per DU, The amount of the rental housing expense must be verified and documented. Acceptable documentation includes a copy of a current executed lease agreement and two months cancelled checks. | 01/19/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Credit report confirms (redacted) months satisfactory mortgage rating on departing residence.; |  | 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. - 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. | Funded C A |
| (redacted) | 305031124 (redacted) | 1160621 | 01/16/2026 | Compliance | Note is Incomplete | NOTE 0050 | 3 | 1 | Closed | Missing a copy of the executed Note. The data was gleaned from other documentation in file for review. | 01/19/2026 | Verified housing payment history - Credit report confirms (redacted) satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Requirement.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 01/19/2026 Finding is cleared with the attached copy of the executed Note. | Funded C A |
| (redacted) | 305031124 (redacted) | 1160651 | 01/16/2026 | Credit | Missing evidence of Hazard Insurance | HAZ 0005 | 4 | 1 | Closed | Missing evidence of insurance for subject property. EOI in file is for the borrowers primary residence. NOTE: Policy must be in the name of the (redacted). | 01/23/2026 | Verified housing payment history - Credit report confirms (redacted) satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Requirement.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 01/23/2026 Finding is cleared with the attached paid receipt and EOI. - 01/23/2026 Finding is cleared with the attached paid receipt and EOI.<br>01/22/2026 Finding is partially cleared with the attached EOI. Missing is the hazard insurance paid receipt or confirmation from insurer that the premium has been paid. Settlement statement doesn't show the premium as being paid at closing.<br>01/19/2026 Attached EOI does not reflect the policy premium. | Funded D A |
| (redacted) | 305031124 (redacted) | 1160662 | 01/16/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing Articles of Incorporation for the borrowing entity, (redacted). -- Per guidelines, Documentation Requirements: Copy of filed articles of organization to evidence the existence of the L(redacted). | 01/19/2026 | Verified housing payment history - Credit report confirms (redacted) satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Requirement.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 01/19/2026 Received articles of organization. - 01/19/2026 Received articles of organization. | Funded D A |
| (redacted) | 305031124 (redacted) | 1160663 | 01/16/2026 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Missing borrower attestation confirming the borrowing entity, (redacted), was created to manage real estate properties. Operating statement states, The purpose of the Company is to engage in any lawful act or activity for which a (redacted) may be formed within the State of (redacted). -- Per guidelines, (redacted) must have been created to manage rental properties only. | 01/22/2026 | Verified housing payment history - Credit report confirms (redacted) satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Requirement.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 01/22/2026 Finding is cleared with the attached unanimous (redacted) resolution, purpose of the (redacted) is for real estate investment and management. - 01/22/2026 Finding is cleared with the attached unanimous (redacted) resolution, purpose of the (redacted) is for real estate investment and management. | Funded C A |
| (redacted) | 305026226 (redacted) | 1162460 | 01/28/2026 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Missing FIRREA certification on appraisal required per guidelines (redacted). |  | Verified housing payment history - (redacted) months (redacted) late mortgage history; Verified reserves - (redacted) months reserves in the amount of (redacted) - (redacted) months required; |  | 02/06/2026 EV2/B - Appraisal includes FIRREA/USPAP addendum and AIR (HVCC) Certificate. | Funded C B |
| (redacted) | 305026226 (redacted) | 1162481 | 01/28/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing Certificate of Good Standing and Corporate Resolution from the board to authorize the taking out of debt in (redacted) name for (redacted). Note: Certificate of Formation, Franchise Tax Account Status and Operating Agreement. | 01/29/2026 | Verified housing payment history - (redacted) months (redacted) late mortgage history; Verified reserves - (redacted) months reserves in the amount of (redacted) - (redacted) months required; |  | 01/29/2026 Finding is cleared with the attached franchise tax account status confirming the businesses active status and operating agreement. - 01/29/2026 Finding is cleared with the attached franchise tax account status confirming the businesses active status and operating agreement. | Funded D A |
| (redacted) | 305032512 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304725144 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304725145 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304729044 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt (redacted) |
| 304734111 (redacted) | 2 | 2 B A | 3 | Not Covered / Exempt (redacted) |
| 304893492 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt (redacted) |
| 304907192 (redacted) | 4 | 2 D A C B | 1 | Not Covered / Exempt (redacted) |
| 305027277 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML (redacted) |
| 305031124 (redacted) | 4 | 1 D C A | 1 | Not Covered / Exempt (redacted) |
| 305026226 (redacted) | 4 | 2 D A B | 1 | Not Covered / Exempt (redacted) |
| 305032512 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304725144 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304725145 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304729044 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304734111 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| (redacted) | 304893492 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 2 |
| (redacted) | 304907192 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305027277 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305031124 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305026226 (redacted) | 0.00 | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 1.4 | 3.5 |
| (redacted) | 305032512 (redacted) | (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.26**

![](ex9926001.jpg)

JPMMT 2026-NQM2<br>JPMorgan<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road – Suite 1000 \| Houston, TX 77057 \| <u>www.opuscmc.com</u> \| 224.632.1300

Narrative JPMMT 2026-NQM2

**Executive Narrative**

**April 2, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of six hundred seven (607) loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains six hundred seven (607) credit and compliance loans identified as thirty-one (31) QM: Safe Harbor APOR (APOR SH) loans, twenty-eight (28) Non-QM loans and five hundred forty-eight (548) ATR/QM: Exempt loans, of which five hundred forty-five (545) are DSCR loans and three (3) are Business Purpose loans. There are two (2) loans eligible for GSE delivery, each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines. The remaining six hundred five (605) loans were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the
requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation
Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider
Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required
level of employment, income and asset verifications pursuant to Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify
calculations of income as used by the original loan underwriter at origination to determine compliance with the Client-provided
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation
to comply with the Client-provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify
the ratio accuracy used by the loan underwriter at origination to determine compliance with Client-provided underwriting guidelines
and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative
value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and
reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client-provided
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value
ratio and combined loan-to-value ratio were accurate at origination and meet Client-provided underwriting guideline and regulatory
requirements.

Narrative JPMMT 2026-NQM2

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the
borrower(s) demonstrate adequate credit depth to comply with the Client-provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit
score requirements of the Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client-provided
underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file was performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

Narrative JPMMT 2026-NQM2

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client-provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client-provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client-provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client-provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client-provided underwriting guidelines.

**Regulatory Compliance**

For each applicable Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material" <sup>1</sup> disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection
Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part
1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35,
and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation
Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, as
set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification
of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties,
verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&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. This review is also to be performed on transactions that are exempt
from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the
original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there
was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were
provided.

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, and if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

Narrative JPMMT 2026-NQM2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed
TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by
all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation
of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided
within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three
(3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting
Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the
 TRID Rules. If the file reflects more than one LE was provided, each revised LE must
 have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance
 evaluations was based on the fee amounts disclosed on the initial LE and any valid
 changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three
 (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated
in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"),
12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule;

3. The disclosure requirements and prohibitions of Section 50(a)(6),
Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per
the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. 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: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified
Mortgages (12 C.F.R. 1026.43(e)) (including qualified mortgages as defined by the Department of Housing and Urban Development (24
C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.)); and Balloon-payment qualified
mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review"
description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions
of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit
Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation
Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation
Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state,
county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending";

12. Consultant shall confirm that any mortgage property located in an
area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect;

13. For any loans designated as TILA exemption, Consultant shall review
the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited
to a business purpose certification; and

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

Narrative JPMMT 2026-NQM2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 was considered final
as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the
closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1 is signed by all parties (including closing agent) or stamped
certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed
by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in was considered delivered based on the date issued,
subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain
one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing
Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file was considered delivered
based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable
referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that
a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within
reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed was assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews
applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the
loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material
exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation
was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether
the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant
will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination,
including how the originator applied its policies and procedures in verification. For loans applications taken on or after June
1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1,
2021. Narrative JPMMT 2026-NQM2

2. For loans for which applications were received prior to July 1, 2021,
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, Consultant reviews the loan to determine whether, based on available information in the loan file the
loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within
the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR)
but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews
the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms
(e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold,
(iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under
the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition
effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether
the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated,
to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general
QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible
loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant
will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable
third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer
will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and
certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant,
and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the
Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or

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other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning and Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) was referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

Narrative JPMMT 2026-NQM2

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, 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., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 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.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● 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 Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

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● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● 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 seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● 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 (PSH), Mun. Code §§ 757.01 et seq.

● 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), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● 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.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), 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 on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et

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seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common
expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

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● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

● Appraiser was appropriately licensed at the time the appraisal was signed

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If the resulting value of
the AVM is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned, an Appraisal
Desk Review was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected on the original appraisal,
or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original appraisal, an appraisal
field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

Narrative JPMMT 2026-NQM2

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

Narrative JPMMT 2026-NQM2

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

Narrative JPMMT 2026-NQM2

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") were met. Confirmation of the loan terms were performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines consisted of the following:

**Borrower Underwriting:**

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to

Narrative JPMMT 2026-NQM2

satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

● No compliance testing for the DSCR review.

Narrative JPMMT 2026-NQM2

**<u>Pool Details</u>**

![](ex9926002.jpg)

Narrative JPMMT 2026-NQM2

**<u>Tape Discrepancies</u>**

![](ex9926003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were forty-three (43) obligors with multiple loans in the pool.

**Property Inspection Waivers**: No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

Narrative JPMMT 2026-NQM2

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

Narrative JPMMT 2026-NQM2

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 2, 2026.

![](ex9931006.jpg)

Narrative JPMMT 2026-NQM2

**<u>Loans Reviewed (607)</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305030505 | &nbsp;&nbsp;305030070 | &nbsp;&nbsp;305030035 | &nbsp;&nbsp;305054681 | &nbsp;&nbsp;305023998 | &nbsp;&nbsp;305050807 | &nbsp;&nbsp;304894234 | &nbsp;&nbsp;305038043 |
| &nbsp;&nbsp;305026590 | &nbsp;&nbsp;305030488 | &nbsp;&nbsp;305025996 | &nbsp;&nbsp;304892646 | &nbsp;&nbsp;305023789 | &nbsp;&nbsp;305050762 | &nbsp;&nbsp;305024073 | &nbsp;&nbsp;305038038 |
| &nbsp;&nbsp;305031538 | &nbsp;&nbsp;305030487 | &nbsp;&nbsp;305013668 | &nbsp;&nbsp;305036856 | &nbsp;&nbsp;304898188 | &nbsp;&nbsp;305050052 | &nbsp;&nbsp;305030057 | &nbsp;&nbsp;305037881 |
| &nbsp;&nbsp;305025017 | &nbsp;&nbsp;305030474 | &nbsp;&nbsp;305013628 | &nbsp;&nbsp;305046104 | &nbsp;&nbsp;304891144 | &nbsp;&nbsp;305049902 | &nbsp;&nbsp;305030196 | &nbsp;&nbsp;305037878 |
| &nbsp;&nbsp;305027516 | &nbsp;&nbsp;305030419 | &nbsp;&nbsp;305013392 | &nbsp;&nbsp;304909818 | &nbsp;&nbsp;305059690 | &nbsp;&nbsp;305049899 | &nbsp;&nbsp;305029993 | &nbsp;&nbsp;305037860 |
| &nbsp;&nbsp;305030506 | &nbsp;&nbsp;305030409 | &nbsp;&nbsp;305013553 | &nbsp;&nbsp;304875156 | &nbsp;&nbsp;305047872 | &nbsp;&nbsp;305047871 | &nbsp;&nbsp;305029966 | &nbsp;&nbsp;305037854 |
| &nbsp;&nbsp;305030504 | &nbsp;&nbsp;305030398 | &nbsp;&nbsp;304868072 | &nbsp;&nbsp;304874817 | &nbsp;&nbsp;305031564 | &nbsp;&nbsp;305047476 | &nbsp;&nbsp;305030340 | &nbsp;&nbsp;305036647 |
| &nbsp;&nbsp;305027844 | &nbsp;&nbsp;305030353 | &nbsp;&nbsp;304904055 | &nbsp;&nbsp;305031568 | &nbsp;&nbsp;305026151 | &nbsp;&nbsp;305047474 | &nbsp;&nbsp;305030256 | &nbsp;&nbsp;305036274 |
| &nbsp;&nbsp;305025018 | &nbsp;&nbsp;305030344 | &nbsp;&nbsp;304875963 | &nbsp;&nbsp;304911403 | &nbsp;&nbsp;304909819 | &nbsp;&nbsp;305047471 | &nbsp;&nbsp;305030499 | &nbsp;&nbsp;305036256 |
| &nbsp;&nbsp;305030512 | &nbsp;&nbsp;305030332 | &nbsp;&nbsp;305054370 | &nbsp;&nbsp;305027034 | &nbsp;&nbsp;304909817 | &nbsp;&nbsp;305047102 | &nbsp;&nbsp;304868677 | &nbsp;&nbsp;305034609 |
| &nbsp;&nbsp;305030507 | &nbsp;&nbsp;305030325 | &nbsp;&nbsp;305047528 | &nbsp;&nbsp;305052632 | &nbsp;&nbsp;304898877 | &nbsp;&nbsp;305046107 | &nbsp;&nbsp;305029903 | &nbsp;&nbsp;305034520 |
| &nbsp;&nbsp;305039396 | &nbsp;&nbsp;305030301 | &nbsp;&nbsp;305042218 | &nbsp;&nbsp;305051363 | &nbsp;&nbsp;304897431 | &nbsp;&nbsp;305046102 | &nbsp;&nbsp;305029970 | &nbsp;&nbsp;305033734 |
| &nbsp;&nbsp;305039397 | &nbsp;&nbsp;305030297 | &nbsp;&nbsp;305045950 | &nbsp;&nbsp;305045973 | &nbsp;&nbsp;305051377 | &nbsp;&nbsp;305046101 | &nbsp;&nbsp;305030129 | &nbsp;&nbsp;305033690 |
| &nbsp;&nbsp;305039420 | &nbsp;&nbsp;305030292 | &nbsp;&nbsp;305042222 | &nbsp;&nbsp;305031228 | &nbsp;&nbsp;305051374 | &nbsp;&nbsp;305045968 | &nbsp;&nbsp;305029905 | &nbsp;&nbsp;305033682 |
| &nbsp;&nbsp;304899041 | &nbsp;&nbsp;305030291 | &nbsp;&nbsp;305040605 | &nbsp;&nbsp;304896389 | &nbsp;&nbsp;305047918 | &nbsp;&nbsp;305045956 | &nbsp;&nbsp;305030018 | &nbsp;&nbsp;305032249 |
| &nbsp;&nbsp;304849197 | &nbsp;&nbsp;305030287 | &nbsp;&nbsp;305044958 | &nbsp;&nbsp;305059712 | &nbsp;&nbsp;305047468 | &nbsp;&nbsp;305045277 | &nbsp;&nbsp;305030384 | &nbsp;&nbsp;305032246 |
| &nbsp;&nbsp;305039437 | &nbsp;&nbsp;305030285 | &nbsp;&nbsp;305038054 | &nbsp;&nbsp;305056912 | &nbsp;&nbsp;305047272 | &nbsp;&nbsp;305044908 | &nbsp;&nbsp;305030031 | &nbsp;&nbsp;305031683 |
| &nbsp;&nbsp;305043827 | &nbsp;&nbsp;305030277 | &nbsp;&nbsp;305028183 | &nbsp;&nbsp;305056875 | &nbsp;&nbsp;305047101 | &nbsp;&nbsp;305044778 | &nbsp;&nbsp;305030231 | &nbsp;&nbsp;305031647 |
| &nbsp;&nbsp;304899118 | &nbsp;&nbsp;305030276 | &nbsp;&nbsp;305024025 | &nbsp;&nbsp;305056847 | &nbsp;&nbsp;305047096 | &nbsp;&nbsp;305044775 | &nbsp;&nbsp;305030321 | &nbsp;&nbsp;305031445 |
| &nbsp;&nbsp;305039424 | &nbsp;&nbsp;305030268 | &nbsp;&nbsp;304911784 | &nbsp;&nbsp;305056844 | &nbsp;&nbsp;305046018 | &nbsp;&nbsp;305042294 | &nbsp;&nbsp;305030444 | &nbsp;&nbsp;305031444 |
| &nbsp;&nbsp;304899061 | &nbsp;&nbsp;305030267 | &nbsp;&nbsp;304909918 | &nbsp;&nbsp;305056496 | &nbsp;&nbsp;305046013 | &nbsp;&nbsp;305042293 | &nbsp;&nbsp;305030385 | &nbsp;&nbsp;305031344 |
| &nbsp;&nbsp;304898976 | &nbsp;&nbsp;305030255 | &nbsp;&nbsp;304893749 | &nbsp;&nbsp;305056364 | &nbsp;&nbsp;305045990 | &nbsp;&nbsp;305042049 | &nbsp;&nbsp;305030288 | &nbsp;&nbsp;305029234 |
| &nbsp;&nbsp;305029060 | &nbsp;&nbsp;305030238 | &nbsp;&nbsp;304878884 | &nbsp;&nbsp;305056358 | &nbsp;&nbsp;305044909 | &nbsp;&nbsp;305042042 | &nbsp;&nbsp;305029988 | &nbsp;&nbsp;305029183 |
| &nbsp;&nbsp;305039438 | &nbsp;&nbsp;305030235 | &nbsp;&nbsp;304876115 | &nbsp;&nbsp;305056346 | &nbsp;&nbsp;305044779 | &nbsp;&nbsp;305042033 | &nbsp;&nbsp;305030110 | &nbsp;&nbsp;305028449 |
| &nbsp;&nbsp;305039447 | &nbsp;&nbsp;305030216 | &nbsp;&nbsp;305045993 | &nbsp;&nbsp;305055827 | &nbsp;&nbsp;305043940 | &nbsp;&nbsp;305038713 | &nbsp;&nbsp;305030147 | &nbsp;&nbsp;305028265 |
| &nbsp;&nbsp;304899058 | &nbsp;&nbsp;305030203 | &nbsp;&nbsp;305027275 | &nbsp;&nbsp;305055821 | &nbsp;&nbsp;305042302 | &nbsp;&nbsp;305036555 | &nbsp;&nbsp;304909898 | &nbsp;&nbsp;304893008 |
| &nbsp;&nbsp;305039440 | &nbsp;&nbsp;305030181 | &nbsp;&nbsp;305013675 | &nbsp;&nbsp;305054991 | &nbsp;&nbsp;305042297 | &nbsp;&nbsp;305034612 | &nbsp;&nbsp;304908619 | &nbsp;&nbsp;305039640 |
| &nbsp;&nbsp;305039435 | &nbsp;&nbsp;305030176 | &nbsp;&nbsp;304909592 | &nbsp;&nbsp;305054680 | &nbsp;&nbsp;305042037 | &nbsp;&nbsp;305034602 | &nbsp;&nbsp;305030190 | &nbsp;&nbsp;305036560 |
| &nbsp;&nbsp;305039433 | &nbsp;&nbsp;305030173 | &nbsp;&nbsp;304892101 | &nbsp;&nbsp;305054597 | &nbsp;&nbsp;305040616 | &nbsp;&nbsp;305033676 | &nbsp;&nbsp;305030188 | &nbsp;&nbsp;305034614 |
| &nbsp;&nbsp;305039423 | &nbsp;&nbsp;305030125 | &nbsp;&nbsp;305038718 | &nbsp;&nbsp;305054596 | &nbsp;&nbsp;305040476 | &nbsp;&nbsp;305031614 | &nbsp;&nbsp;305030187 | &nbsp;&nbsp;304898410 |
| &nbsp;&nbsp;305039418 | &nbsp;&nbsp;305030124 | &nbsp;&nbsp;305045953 | &nbsp;&nbsp;305054592 | &nbsp;&nbsp;305038719 | &nbsp;&nbsp;305031573 | &nbsp;&nbsp;305030162 | &nbsp;&nbsp;304909623 |
| &nbsp;&nbsp;305039406 | &nbsp;&nbsp;305030121 | &nbsp;&nbsp;305034532 | &nbsp;&nbsp;305054591 | &nbsp;&nbsp;305038034 | &nbsp;&nbsp;305031497 | &nbsp;&nbsp;305030141 | &nbsp;&nbsp;304908656 |
| &nbsp;&nbsp;305039395 | &nbsp;&nbsp;305030098 | &nbsp;&nbsp;304889681 | &nbsp;&nbsp;305054332 | &nbsp;&nbsp;305036799 | &nbsp;&nbsp;305031491 | &nbsp;&nbsp;305030137 | &nbsp;&nbsp;304908627 |
| &nbsp;&nbsp;305039391 | &nbsp;&nbsp;305030085 | &nbsp;&nbsp;305037859 | &nbsp;&nbsp;305053695 | &nbsp;&nbsp;305036798 | &nbsp;&nbsp;305031288 | &nbsp;&nbsp;305030131 | &nbsp;&nbsp;304908623 |
| &nbsp;&nbsp;305029099 | &nbsp;&nbsp;305030077 | &nbsp;&nbsp;305030727 | &nbsp;&nbsp;305053694 | &nbsp;&nbsp;305036558 | &nbsp;&nbsp;305029776 | &nbsp;&nbsp;305030118 | &nbsp;&nbsp;304905111 |
| &nbsp;&nbsp;304899017 | &nbsp;&nbsp;305030064 | &nbsp;&nbsp;305013401 | &nbsp;&nbsp;305053692 | &nbsp;&nbsp;305036557 | &nbsp;&nbsp;305028188 | &nbsp;&nbsp;305030114 | &nbsp;&nbsp;304893939 |
| &nbsp;&nbsp;304889829 | &nbsp;&nbsp;305030056 | &nbsp;&nbsp;305050347 | &nbsp;&nbsp;305053484 | &nbsp;&nbsp;305036276 | &nbsp;&nbsp;305027139 | &nbsp;&nbsp;305030109 | &nbsp;&nbsp;304843836 |
| &nbsp;&nbsp;305039442 | &nbsp;&nbsp;305030050 | &nbsp;&nbsp;305031727 | &nbsp;&nbsp;305053426 | &nbsp;&nbsp;305036257 | &nbsp;&nbsp;305024446 | &nbsp;&nbsp;305030105 | &nbsp;&nbsp;305042047 |
| &nbsp;&nbsp;305039434 | &nbsp;&nbsp;305030045 | &nbsp;&nbsp;305042299 | &nbsp;&nbsp;305052328 | &nbsp;&nbsp;305035586 | &nbsp;&nbsp;304902332 | &nbsp;&nbsp;305030076 | &nbsp;&nbsp;304894692 |
| &nbsp;&nbsp;305039429 | &nbsp;&nbsp;305030044 | &nbsp;&nbsp;305032483 | &nbsp;&nbsp;305051448 | &nbsp;&nbsp;305035580 | &nbsp;&nbsp;304865197 | &nbsp;&nbsp;305030074 | &nbsp;&nbsp;305024994 |
| &nbsp;&nbsp;305039426 | &nbsp;&nbsp;305030040 | &nbsp;&nbsp;305023781 | &nbsp;&nbsp;305051368 | &nbsp;&nbsp;305034607 | &nbsp;&nbsp;305051358 | &nbsp;&nbsp;305030066 | &nbsp;&nbsp;305062579 |
| &nbsp;&nbsp;305039409 | &nbsp;&nbsp;305030028 | &nbsp;&nbsp;305040628 | &nbsp;&nbsp;305051367 | &nbsp;&nbsp;305034606 | &nbsp;&nbsp;305013605 | &nbsp;&nbsp;305030061 | &nbsp;&nbsp;305057543 |
| &nbsp;&nbsp;305039407 | &nbsp;&nbsp;305030020 | &nbsp;&nbsp;305047093 | &nbsp;&nbsp;305051359 | &nbsp;&nbsp;305034531 | &nbsp;&nbsp;304911769 | &nbsp;&nbsp;305030039 | &nbsp;&nbsp;305056495 |
| &nbsp;&nbsp;305039402 | &nbsp;&nbsp;305030019 | &nbsp;&nbsp;305026137 | &nbsp;&nbsp;305051353 | &nbsp;&nbsp;305034529 | &nbsp;&nbsp;304889327 | &nbsp;&nbsp;305030016 | &nbsp;&nbsp;305056360 |
| &nbsp;&nbsp;305028993 | &nbsp;&nbsp;305030017 | &nbsp;&nbsp;305030926 | &nbsp;&nbsp;305051348 | &nbsp;&nbsp;305033685 | &nbsp;&nbsp;305047502 | &nbsp;&nbsp;305030011 | &nbsp;&nbsp;305054930 |
| &nbsp;&nbsp;304899110 | &nbsp;&nbsp;305029977 | &nbsp;&nbsp;305012457 | &nbsp;&nbsp;305050772 | &nbsp;&nbsp;305033593 | &nbsp;&nbsp;305047271 | &nbsp;&nbsp;305029958 | &nbsp;&nbsp;305054919 |
| &nbsp;&nbsp;304898975 | &nbsp;&nbsp;305029976 | &nbsp;&nbsp;305048636 | &nbsp;&nbsp;305050771 | &nbsp;&nbsp;305033591 | &nbsp;&nbsp;305047087 | &nbsp;&nbsp;305029947 | &nbsp;&nbsp;305054917 |
| &nbsp;&nbsp;304889880 | &nbsp;&nbsp;305029965 | &nbsp;&nbsp;304909608 | &nbsp;&nbsp;305050763 | &nbsp;&nbsp;305033585 | &nbsp;&nbsp;305047086 | &nbsp;&nbsp;305029936 | &nbsp;&nbsp;305053683 |
| &nbsp;&nbsp;304889876 | &nbsp;&nbsp;305029930 | &nbsp;&nbsp;305039601 | &nbsp;&nbsp;305050348 | &nbsp;&nbsp;305032248 | &nbsp;&nbsp;305047085 | &nbsp;&nbsp;305029935 | &nbsp;&nbsp;305053682 |

---

Narrative JPMMT 2026-NQM2

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;304889845 | &nbsp;&nbsp;305029925 | &nbsp;&nbsp;305047522 | &nbsp;&nbsp;305049897 | &nbsp;&nbsp;305032247 | &nbsp;&nbsp;305046100 | &nbsp;&nbsp;304866276 | &nbsp;&nbsp;305052644 |
| &nbsp;&nbsp;304889797 | &nbsp;&nbsp;305029921 | &nbsp;&nbsp;305042300 | &nbsp;&nbsp;305049896 | &nbsp;&nbsp;305032245 | &nbsp;&nbsp;305046019 | &nbsp;&nbsp;304866058 | &nbsp;&nbsp;305052639 |
| &nbsp;&nbsp;305039422 | &nbsp;&nbsp;305029907 | &nbsp;&nbsp;305044891 | &nbsp;&nbsp;305049869 | &nbsp;&nbsp;305031726 | &nbsp;&nbsp;305045958 | &nbsp;&nbsp;305030391 | &nbsp;&nbsp;305052636 |
| &nbsp;&nbsp;305039414 | &nbsp;&nbsp;305030401 | &nbsp;&nbsp;305031490 | &nbsp;&nbsp;305048638 | &nbsp;&nbsp;305031654 | &nbsp;&nbsp;305045957 | &nbsp;&nbsp;304908528 | &nbsp;&nbsp;305051435 |
| &nbsp;&nbsp;305039385 | &nbsp;&nbsp;305030263 | &nbsp;&nbsp;305031026 | &nbsp;&nbsp;305047920 | &nbsp;&nbsp;305031571 | &nbsp;&nbsp;305044835 | &nbsp;&nbsp;305047098 | &nbsp;&nbsp;305051381 |
| &nbsp;&nbsp;305029117 | &nbsp;&nbsp;304868675 | &nbsp;&nbsp;305030925 | &nbsp;&nbsp;305047865 | &nbsp;&nbsp;305031348 | &nbsp;&nbsp;305044829 | &nbsp;&nbsp;305031492 | &nbsp;&nbsp;305051108 |
| &nbsp;&nbsp;305029072 | &nbsp;&nbsp;305030486 | &nbsp;&nbsp;305030564 | &nbsp;&nbsp;305047861 | &nbsp;&nbsp;305031304 | &nbsp;&nbsp;305044594 | &nbsp;&nbsp;305031657 | &nbsp;&nbsp;304874815 |
| &nbsp;&nbsp;305029056 | &nbsp;&nbsp;305030477 | &nbsp;&nbsp;305047462 | &nbsp;&nbsp;305047458 | &nbsp;&nbsp;305031303 | &nbsp;&nbsp;305042992 | &nbsp;&nbsp;305046022 | &nbsp;&nbsp;305033695 |
| &nbsp;&nbsp;304899016 | &nbsp;&nbsp;305030471 | &nbsp;&nbsp;305056980 | &nbsp;&nbsp;305047273 | &nbsp;&nbsp;305031029 | &nbsp;&nbsp;305042654 | &nbsp;&nbsp;305031658 | &nbsp;&nbsp;305033680 |
| &nbsp;&nbsp;304898964 | &nbsp;&nbsp;305030456 | &nbsp;&nbsp;305045970 | &nbsp;&nbsp;305047090 | &nbsp;&nbsp;305030936 | &nbsp;&nbsp;305042653 | &nbsp;&nbsp;305036889 | &nbsp;&nbsp;305032537 |
| &nbsp;&nbsp;305039431 | &nbsp;&nbsp;305030420 | &nbsp;&nbsp;305029862 | &nbsp;&nbsp;305045976 | &nbsp;&nbsp;305030718 | &nbsp;&nbsp;305042296 | &nbsp;&nbsp;305032285 | &nbsp;&nbsp;305032492 |
| &nbsp;&nbsp;305039427 | &nbsp;&nbsp;305030406 | &nbsp;&nbsp;305031230 | &nbsp;&nbsp;305044907 | &nbsp;&nbsp;305030615 | &nbsp;&nbsp;305042286 | &nbsp;&nbsp;305046115 | &nbsp;&nbsp;305032289 |
| &nbsp;&nbsp;305039404 | &nbsp;&nbsp;305030383 | &nbsp;&nbsp;305036270 | &nbsp;&nbsp;305044906 | &nbsp;&nbsp;305030613 | &nbsp;&nbsp;305042285 | &nbsp;&nbsp;305053236 | &nbsp;&nbsp;305031729 |
| &nbsp;&nbsp;305039398 | &nbsp;&nbsp;305030372 | &nbsp;&nbsp;305047869 | &nbsp;&nbsp;305044895 | &nbsp;&nbsp;305030518 | &nbsp;&nbsp;305042284 | &nbsp;&nbsp;305029688 | &nbsp;&nbsp;305031728 |
| &nbsp;&nbsp;305039394 | &nbsp;&nbsp;305030354 | &nbsp;&nbsp;305034534 | &nbsp;&nbsp;305044894 | &nbsp;&nbsp;305029680 | &nbsp;&nbsp;305042039 | &nbsp;&nbsp;305039589 | &nbsp;&nbsp;305031563 |
| &nbsp;&nbsp;305029023 | &nbsp;&nbsp;305030336 | &nbsp;&nbsp;305028187 | &nbsp;&nbsp;305044595 | &nbsp;&nbsp;305029602 | &nbsp;&nbsp;305042038 | &nbsp;&nbsp;304898421 | &nbsp;&nbsp;305031489 |
| &nbsp;&nbsp;304899060 | &nbsp;&nbsp;305030317 | &nbsp;&nbsp;305024002 | &nbsp;&nbsp;305044593 | &nbsp;&nbsp;305028444 | &nbsp;&nbsp;305041936 | &nbsp;&nbsp;305039604 | &nbsp;&nbsp;305031279 |
| &nbsp;&nbsp;304899031 | &nbsp;&nbsp;305030311 | &nbsp;&nbsp;305049898 | &nbsp;&nbsp;305042289 | &nbsp;&nbsp;305028442 | &nbsp;&nbsp;305040623 | &nbsp;&nbsp;305055854 | &nbsp;&nbsp;305031231 |
| &nbsp;&nbsp;304898974 | &nbsp;&nbsp;305030302 | &nbsp;&nbsp;304907215 | &nbsp;&nbsp;305042288 | &nbsp;&nbsp;305028263 | &nbsp;&nbsp;305040474 | &nbsp;&nbsp;304933513 | &nbsp;&nbsp;305029875 |
| &nbsp;&nbsp;305039416 | &nbsp;&nbsp;305030282 | &nbsp;&nbsp;305047099 | &nbsp;&nbsp;305042287 | &nbsp;&nbsp;305028199 | &nbsp;&nbsp;305039611 | &nbsp;&nbsp;305044774 | &nbsp;&nbsp;305029874 |
| &nbsp;&nbsp;304893383 | &nbsp;&nbsp;305030280 | &nbsp;&nbsp;305044904 | &nbsp;&nbsp;305042283 | &nbsp;&nbsp;305027469 | &nbsp;&nbsp;305036260 | &nbsp;&nbsp;305031682 | &nbsp;&nbsp;305029872 |
| &nbsp;&nbsp;305044937 | &nbsp;&nbsp;305030253 | &nbsp;&nbsp;304893017 | &nbsp;&nbsp;305042082 | &nbsp;&nbsp;305027220 | &nbsp;&nbsp;305034664 | &nbsp;&nbsp;305028138 | &nbsp;&nbsp;305029768 |
| &nbsp;&nbsp;305030648 | &nbsp;&nbsp;305030246 | &nbsp;&nbsp;305046105 | &nbsp;&nbsp;305042079 | &nbsp;&nbsp;305026109 | &nbsp;&nbsp;305034604 | &nbsp;&nbsp;305050764 | &nbsp;&nbsp;305029538 |
| &nbsp;&nbsp;305030503 | &nbsp;&nbsp;305030242 | &nbsp;&nbsp;305047858 | &nbsp;&nbsp;305039591 | &nbsp;&nbsp;305013575 | &nbsp;&nbsp;305034533 | &nbsp;&nbsp;305047475 | &nbsp;&nbsp;305029240 |
| &nbsp;&nbsp;305027846 | &nbsp;&nbsp;305030211 | &nbsp;&nbsp;305027208 | &nbsp;&nbsp;305038775 | &nbsp;&nbsp;305013402 | &nbsp;&nbsp;305034528 | &nbsp;&nbsp;305046103 | &nbsp;&nbsp;305029230 |
| &nbsp;&nbsp;305024832 | &nbsp;&nbsp;305030191 | &nbsp;&nbsp;304907232 | &nbsp;&nbsp;305038527 | &nbsp;&nbsp;304911018 | &nbsp;&nbsp;305033729 | &nbsp;&nbsp;305042319 | &nbsp;&nbsp;305028262 |
| &nbsp;&nbsp;304855330 | &nbsp;&nbsp;305026111 | &nbsp;&nbsp;305026117 | &nbsp;&nbsp;305027167 | &nbsp;&nbsp;305027335 | &nbsp;&nbsp;305027849 | &nbsp;&nbsp;305028150 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

Narrative JPMMT 2026-NQM2

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 305044937 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 768 | 0 | Audit value based on lender qualifying requirements. |
| 305030499 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030488 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030488 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From documents located in loan file. |
| 305030487 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying CLTV | propertyValuationPage | 79.79 | 79.78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030487 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying FICO | creditLiabilitiesPage | 702 | 712 | Audit value based on lender qualifying requirements. |
| 305030487 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying LTV | propertyValuationPage | 79.79 | 79.78 | Audit Value of Subject Lien / Qualifying Value |
| 305030486 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030486 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Penalty Flag MTrade | mtradeDataPage | No | Yes | Audit Value Pulled From Note / PPP Addendum. |
| 305030486 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | No Penalty | 36 Months | Audit Value Pulled From Note / PPP Addendum. |
| 305030486 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 740 | 748 | Audit value based on lender qualifying requirements. |
| 304866276 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030477 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030474 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 304866058 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note |
| 304866058 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030471 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030456 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030456 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 71.59 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030456 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 71.59 | 70 | Audit Value of Subject Lien / Qualifying Value. |
| 305030444 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030420 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030419 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030419 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 762 | 0 | Audit value pulled from documents located in the loan file. |
| 304868677 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Purpose | the1003Page | Purchase | Refinance | Audit Value Pulled From Final 1003. |
| 304868677 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304868677 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 304868675 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030409 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030406 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030406 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 64.94 | 64.99 | Audit Value of Subject Lien / Qualifying Value |
| 305030401 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030401 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030398 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030398 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030391 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Interest Only Flag | notePage | Yes | No | Audit value pulled from Note |
| 305030391 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030391 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030385 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030385 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 24 Months | 36 Months | Audit Value Pulled From Note. |
| 305030384 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030384 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030383 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030383 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 63.56 | 63.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030383 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 63.56 | 63.55 | Audit Value of Subject Lien / Qualifying Value |
| 305030372 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030353 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030340 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030336 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305030332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 63.16 | 63.15 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 695 | 685 | Audit value based on lender qualifying requirements. |
| 305030332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 63.16 | 63.15 | Audit Value of Subject Lien / Qualifying Value |
| 305030325 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030311 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030302 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030302 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 60 Months | Audit Value Pulled From Note / PPP Addendum. |
| 305030302 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 700 | 752 | Audit value based on lender qualifying requirements. |
| 305030301 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030301 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 714 | 738 | Audit value based on documents located in the loan file. |
| 305030297 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030291 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030287 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030280 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030277 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1008Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305030277 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 60 Months | Audit Value Pulled From 1008. |
| 305030276 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030276 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 60 Months | Audit Value Pulled From Note. |
| 305030268 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305030263 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030263 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030256 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note. |
| 305030256 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030255 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030253 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030253 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 36 Months | Audit Value Pulled From Note. |
| 305030246 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030246 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030242 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030238 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030235 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030231 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030216 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying CLTV | propertyValuationPage | 59.26 | 59.25 | Rounding |
| 305030216 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying LTV | propertyValuationPage | 59.26 | 59.25 | Rounding |
| 305030203 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030196 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030191 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030190 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030190 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Property Address | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030188 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030187 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030176 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030176 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 47.62 | 47.61 | Rounding |
| 305030176 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 47.62 | 47.61 | Rounding |
| 305030162 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030162 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 60 Months | Audit value pulled from documents located in the loan file.<br>|
| 305030147 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030141 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030129 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030124 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030121 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030114 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030114 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Property Address | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030114 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 56.82 | 56.81 | Rounding |
| 305030114 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 56.82 | 56.81 | Audit Value of Subject Lien / Qualifying Value |
| 305030110 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030109 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030105 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note |
| 305030105 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305030098 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030085 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030077 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| 305030077 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030076 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030076 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Number of Units | propertyValuationPage | XXXXXXX | XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030074 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305030066 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305030066 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit value pulled from Appraisal |
| 305030064 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030061 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305030061 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | No Penalty | 60 Months | Audit value pulled from Note |
| 305030061 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 719 | 714 | Audit value pulled from documents located in the loan file. |
| 305030057 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030056 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030056 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying CLTV | propertyValuationPage | 75 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030056 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying LTV | propertyValuationPage | 75 | 80 | Audit Value of Subject Lien / Qualifying Value. |
| 305030050 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030050 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 36 Months | 48 Months | Audit Value Pulled From Note / PPP Addendum. |
| 305030044 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305030044 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 60 Months | No Penalty | Audit Value Pulled From Note. |
| 305030044 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030040 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030040 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305030039 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030035 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From documents located in loan file. |
| 305030031 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305030028 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030020 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305030020 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying CLTV | propertyValuationPage | 80 | 79.99 | rounding |
| 305030020 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying LTV | propertyValuationPage | 80 | 79.99 | rounding |
| 305030019 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305030018 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030016 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030016 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 769 | 786 | Audit value based on lender qualifying requirements. |
| 305030011 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029993 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029988 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305029977 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | <br> Audit Value Pulled From 1008. |
| 305029977 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Property Address | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305029970 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305029966 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying CLTV | propertyValuationPage | 50 | 49.99 | Rounding |
| 305029966 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Qualifying LTV | propertyValuationPage | 50 | 49.99 | Rounding |
| 305029965 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305029958 | XXXXXXX | XXXXXX | XXXXXXX | 0448-007 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 304909592 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 304909592 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 803 | 0 | <br> FICO score verified from credit report |
| 304876115 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 304876115 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 746 | 0 | FICO score verified from credit report |
| 304911784 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304911784 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 747 | 0 | Audit value based on lender qualifying requirements. |
| 304892101 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304892101 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Occupancy | the1003Page | Investment | Primary Residence | Audit Value Pulled From Final 1003. |
| 304892101 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 720 | 0 | Audit value based on lender qualifying requirements. |
| 304893749 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 304893749 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 798 | 0 | Audit value based on documents located in the loan file. |
| 305031497 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit Value based on lender qualifying requirements. |
| 304843836 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Per Note. Hispanic ethnicity lists Father's surname first followed by Mother's maiden name. |
| 304843836 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| 304875156 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304875156 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 0 | Audit value based on lender qualifying requirements. |
| 304855330 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304855330 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 780 | 781 | Audit value based on lender qualifying requirements. |
| 305051381 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305051381 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 687 | 679 | Audit value based on lender qualifying requirements. |
| 304893017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.9 | 89.89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304893017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.9 | 89.89 | Audit Value of Subject Lien / Qualifying Value |
| 304911769 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.27 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 304911769 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 79.27 | 80 | Audit Value of Subject Lien / Qualifying Value. |
| 304902332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note. |
| 304902332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304902332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 785 | Audit Value based on lender qualifying requirements |
| 304894692 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304897431 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305013605 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304898421 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304893008 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 73.27 | 74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304893008 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 73.27 | 74 | Audit Value of Subject Lien / Qualifying Value |
| 305031614 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304891144 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 304892646 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056496 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029875 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029875 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 60.61 | 60.6 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029875 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 60.61 | 60.6 | Audit Value of Subject Lien / Qualifying Value |
| 305039611 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050348 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305028199 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031573 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305031573 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 37.69 | 37.68 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305031573 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 37.69 | 37.68 | Audit Value of Subject Lien / Qualifying Value |
| 304933513 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 78.13 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304933513 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 78.13 | 79 | Audit Value of Subject Lien / Qualifying Value |
| 304898877 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304905111 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 704 | 0 | Audit value based on lender qualifying requirements. |
| 305029874 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305029874 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 729 | 672 | Audit value pulled from documents located in loan file |
| 304908627 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 762 | 0 | Audit value based on lender qualifying requirements. |
| 305029183 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304908623 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 304911018 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 304908619 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 735 | 0 | Audit value pulled from documents located in the loan file. |
| 305027849 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305023789 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 74.99 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305023789 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 74.99 | 75 | Audit Value of Subject Lien / Qualifying Value |
| 305029776 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 304909608 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305024994 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305026151 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031657 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305027034 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029240 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 0 | Audit value based on lender qualifying requirements. |
| 305012457 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305036889 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305036889 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 761 | 0 | Audit value based on lender qualifying requirements. |
| 305056495 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305024002 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304911403 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 778 | 0 | Audit value based on lender qualifying requirements. |
| 305042302 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042319 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note |
| 305030518 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 0 | Audit value based on lender qualifying requirements. |
| 305028265 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044909 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 774 | 0 | Audit value based on lender qualifying requirements. |
| 305026117 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | FHA | Audit Value Pulled From 1008. |
| 305029872 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 723 | 0 | Audit value based on lender qualifying requirements. |
| 305028449 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038043 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050052 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032249 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit value pulled from documents located in the loan file. |
| 305032248 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit value pulled from documents located in the loan file. |
| 305032247 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | Audit value based on lender qualifying requirements. |
| 305032246 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | <br> Audit value pulled from documents located in the loan file. |
| 305032245 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 0 | FICO score verified from credit report. |
| 305059712 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Audit Value Pulled From 1008. |
| 305047475 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305027208 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 723 | 0 | Audit value pulled from documents located in the loan file. |
| 305027335 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031445 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031444 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033690 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305028138 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305045976 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305031492 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 787 | 0 | Qualified FICO Score pulled from Credit Report |
| 305031491 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 787 | 0 | Audit value based on lender qualifying requirements. |
| 305031490 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 787 | 0 | Audit value based on lender qualifying requirements. |
| 305036276 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 787 | 0 | Audit Value based on lender qualifying requirements. |
| 305037881 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 702 | 0 | Audit value pulled from documents located in the loan file. |
| 305030727 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 785 | 0 | Audit Value based on lender qualifying requirements |
| 305029234 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030564 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 781 | 0 | Audit value based on lender qualifying requirements. |
| 305033685 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044908 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305044908 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 52.57 | 52.56 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| 305044908 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 52.57 | 52.56 | Audit Value of Subject Lien / Qualifying Value. |
| 305044907 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044906 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029602 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029602 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 69.12 | 69.11 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029602 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 69.12 | 69.11 | Audit Value of Subject Lien / Qualifying Value |
| 305029688 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034614 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 715 | 0 | Audit value based on lender qualifying requirements. |
| 305045973 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305033593 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029862 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 764 | 0 | Audit value based on lender qualifying requirements. |
| 305054597 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047102 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047102 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 751 | 744 | Audit value based on lender qualifying requirements. |
| 305042300 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042300 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Prepayment Period MTrade | mtradeDataPage | No Penalty | 36 Months | Audit Value Pulled From Note / PPP Addendum. |
| 305042300 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 73.85 | 73.84 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305042300 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 73.85 | 73.84 | Audit Value of Subject Lien / Qualifying Value |
| 305031029 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305040476 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305047273 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305040623 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 795 | 0 | Audit value based on lender qualifying requirements. |
| 305042299 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 790 | 0 | As per the credit report. |
| 305031348 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305037878 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031571 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 722 | 0 | Audit value pulled from documents located in the loan file. |
| 305051448 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042049 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 777 | 0 | Audit Value based on lender qualifying requirements |
| 305030926 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031026 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 797 | 0 | Audit value pulled from 1008 & Credit report |
| 305044835 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 769 | 0 | Audit value based on lender qualifying requirements. |
| 305033682 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| 305034612 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031654 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031231 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031288 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value pulled from documents located in the loan file. |
| 305031344 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032537 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305034609 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305052328 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031568 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031568 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 802 | 0 | Audit value based on lender qualifying requirements. |
| 305033591 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033591 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 48.24 | 48.23 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305033591 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 48.24 | 48.23 | Audit Value of Subject Lien / Qualifying Value |
| 305046019 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305046018 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034534 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 799 | 0 | Audit value based on lender qualifying requirements. |
| 305045990 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305045990 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305046115 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047920 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305036274 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 689 | 0 | FICO score verified from credit report |
| 305042654 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 727 | 0 | Audit value based on lender qualifying requirements. |
| 305042653 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034533 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 812 | 0 | As per the credit report. |
| 305034532 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033680 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039604 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305039604 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305040474 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047522 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305052644 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305052644 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 714 | 710 | Audit value based on lender qualifying requirements. |
| 305034531 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305035586 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305054596 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from note. |
| 305054596 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033676 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047872 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047872 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 51.71 | 51.7 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305047872 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 51.71 | 51.7 | Audit Value of Subject Lien / Qualifying Value |
| 305034607 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033734 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034606 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 738 | 0 | Audit value based on lender qualifying requirements. |
| 305047272 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036270 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 747 | 0 | Audit value based on documents located in the loan file. |
| 305044904 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305042297 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042297 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 79.71 | 79.7 | Rounding. |
| 305042297 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 79.71 | 79.7 | Rounding. |
| 305047474 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047474 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 787 | 777 | Audit value based on lender qualifying requirements. |
| 305036560 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036560 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 63.84 | 63.83 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305036560 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 63.84 | 63.83 | Audit Value of Subject Lien / Qualifying Value |
| 305047101 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047271 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047871 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042296 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 752 | 0 | Audit value based on lender qualifying requirements. |
| 305036856 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036856 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 61.54 | 61.53 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305036856 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 61.54 | 61.53 | Audit Value of Subject Lien / Qualifying Value. |
| 305051377 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305041936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038038 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305038719 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042082 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038718 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047099 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305039601 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note |
| 305039601 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305051374 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305045970 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047471 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044595 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047098 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047098 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 51.71 | 51.7 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 305047098 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 51.71 | 51.7 | Audit Value of Subject Lien / Qualifying Value |
| 305042047 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050772 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305040628 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 689 | 0 | Audit value based on lender qualifying requirements. |
| 305042042 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050347 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| 305042294 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047096 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305047096 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 768 | 765 | Audit value based on lender qualifying requirements. |
| 305042293 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305051368 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054332 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042289 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305044594 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054930 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054991 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047468 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047468 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 735 | 734 | Audit value based on lender qualifying requirements. |
| 305044593 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305045968 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044779 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044778 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056912 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Per Note. |
| 305056912 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305050771 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305046022 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305046013 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305051367 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305062579 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305062579 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056360 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305056360 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 54.55 | 54.54 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305056360 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 54.55 | 54.54 | Audit Value of Subject Lien / Qualifying Value |
| 305047093 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305047093 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 762 | 747 | Audit value pulled from documents located in the loan file. |
| 305047090 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047869 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305053695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305053695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 69.57 | 69.56 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305053695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 69.57 | 69.56 | Audit Value of Subject Lien / Qualifying Value |
| 305053694 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305045277 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305049902 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008.<br>|
| 305049899 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305049898 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008.  |
| 305049897 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305049896 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305056875 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305053692 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305049869 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056847 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056847 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305056847 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of Subject Lien / Qualifying Value |
| 305054592 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054681 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054681 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 79.63 | 79.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305054681 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 79.63 | 79.62 | Audit Value of Subject Lien / Qualifying Value |
| 305056980 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305056980 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305057543 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056358 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305056844 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056844 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305056844 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of Subject Lien / Qualifying Value |
| 305051363 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305055827 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305052639 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305054680 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305054591 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305053426 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305053484 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305024025 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305024025 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Occupancy | the1003Page | Investment | Primary Residence | Audit value pulled from documents located in the loan file. |
| 305024025 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 715 | 0 | Audit value pulled from documents located in the loan file. |
| 305013675 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305013675 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 686 | 0 | Audit value based on lender qualifying requirements. |
| 305040605 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305040605 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 801 | 0 | Audit value based on lender qualifying requirements. |
| 304909918 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304909918 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value based on lender qualifying requirements. |
| 305027275 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit pulled from 1008 |
| 305028183 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305028183 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Prepayment Period MTrade | mtradeDataPage | No Penalty | 36 Months | Audit value pulled from documents located in the loan file. |
| 305028183 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 770 | 0 | Audit value based on lender qualifying requirements. |
| 305044958 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044958 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 723 | 0 | Audit value pulled from documents located in the loan file. |
| 305038054 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305038054 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 720 | 0 | Audit value pulled from documents located in the loan file. |
| 305045993 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305045993 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 799 | 0 | Audit value pulled from documents located in the loan file. |
| 305034604 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 772 | 0 | Audit value pulled from documents located in loan file |
| 305045958 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036260 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 772 | 0 | Audit Value based on lender qualifying requirements |
| 304898188 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304874817 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304874815 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304907215 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305055854 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305031230 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305023781 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304896389 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305042039 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305028444 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Qualifying FICO Score Pulled from credit report |
| 304898410 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 73.69 | 74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 73.69 | 74 | Audit Value of Subject Lien / Qualifying Value |
| 304909819 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304909818 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 304909817 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 304907232 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Loan Type | the1003Page | Conventional | Other | Audit Value Pulled From 1008. |
| 305028188 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305028187 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305032285 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030925 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305024446 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305037859 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305037859 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 747 | 748 | Audit value based on lender qualifying requirements |
| 305042288 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042287 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305028263 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305028263 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 71.61 | 71.6 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 305028263 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 71.61 | 71.6 | Audit Value of Subject Lien / Qualifying Value" |
| 305028262 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305028150 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305013402 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305013402 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 69.7 | 69.69 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013402 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 69.7 | 69.69 | Audit Value of Subject Lien / Qualifying Value |
| 305013401 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305033585 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 784 | 0 | Audit value based on lender qualifying requirements. |
| 305039640 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305013575 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305046107 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305026111 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305026111 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305026109 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305026109 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305023998 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305034529 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Qualifying FICO score pulled from credit report |
| 305034528 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034528 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 66.32 | 66.31 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305034528 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 66.32 | 66.31 | Audit Value of Subject Lien / Qualifying Value |
| 305028442 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036799 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 731 | 0 | Audit value based on documents located in the loan file. |
| 305042286 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042285 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042284 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042283 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030718 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit data verified from Note in file. |
| 305030718 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305031729 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 716 | 0 | Qualifying FICO score pulled from the credit score |
| 305031727 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305027139 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305047462 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305047462 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305031726 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305045957 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305027469 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305027469 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 68.63 | 68.62 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027469 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 68.63 | 68.62 | Audit Value of Subject Lien / Qualifying Value |
| 305030615 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 763 | 0 | Qualifying FICO Score pulled from Credit Report. |
| 305040616 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305059690 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031564 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029538 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305031563 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 704 | 0 | Audit value based on lender qualifying requirements. |
| 305029230 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036647 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029680 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value based on lender qualifying requirements. |
| 305033695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note |
| 305033695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 55.23 | 56 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305033695 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 55.23 | 56 | Audit Value of Subject Lien / Qualifying Value |
| 305029768 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 744 | 0 | Audit data pulled from credit report. |
| 305030613 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 713 | 0 | Audit value based on lender qualifying requirements. |
| 305043940 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305043940 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036558 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038775 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305034602 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305034602 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX |  |
| 305036557 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 706 | 0 | Audit value based on lender qualifying requirements. |
| 305031228 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304865197 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305035580 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038713 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305054919 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031279 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 802 | 0 | Audit value based on lender qualifying requirements. |
| 305034664 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305036257 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305042992 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305032289 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305032289 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 305031683 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031683 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 72.73 | 72.72 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305031683 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 72.73 | 72.72 | Audit Value of Subject Lien / Qualifying Value |
| 305031682 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042038 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305036256 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305034520 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305042037 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042037 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 747 | 746 | Audit value based on lender qualifying requirements. |
| 305032483 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305046105 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305036555 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305050764 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305031647 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 765 | 0 | Audit value based on lender qualifying requirements. |
| 305047087 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305033729 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 792 | 0 | Audit Value based on lender qualifying requirements |
| 305048638 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305048638 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 761 | 745 | Audit value pulled from documents located in the loan file. |
| 305046104 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305051359 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305051359 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note |
| 305046103 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305046102 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305038527 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305051108 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047861 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305051358 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305037854 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305045953 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305038034 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305053683 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305047086 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039591 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039589 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047085 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044895 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305044895 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050763 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 779 | 0 | Audit value based on lender qualifying requirements. |
| 305042079 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050807 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044775 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044894 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305042033 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305046101 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305052636 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047502 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305047458 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044774 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044829 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305044891 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | <br> Audit Value Pulled From 1008. |
| 305044891 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 79.94 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305044891 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 79.94 | 80 | Audit Value of Subject Lien / Qualifying Value |
| 305053236 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305050762 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305046100 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305047858 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 305051353 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305048636 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit value pulled from Note. |
| 305048636 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305048636 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 54.55 | 54.54 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305048636 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 54.55 | 54.54 | Audit Value of Subject Lien / Qualifying Value |
| 305053682 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056346 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305056346 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 69.77 | 69.76 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305056346 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 69.77 | 69.76 | Audit Value of Subject Lien / Qualifying Value |
| 305055821 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305052632 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305054917 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305054917 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 778 | 788 | Audit value pulled from documents located in the loan file. |
| 305051348 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305051435 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305027844 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 803 | 0 | Audit value pulled from documents located in the loan file. |
| 305025018 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 716 | 0 | Audit value based on lender qualifying requirements. |
| 305025017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 712 | 0 | Audit value based on documents located in the loan file. |
| 305030507 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 697 | 0 | Audit value based on lender qualifying requirements. |
| 305027516 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 770 | 0 | Audit value based on documents located in the loan file. |
| 305030506 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 716 | 0 | Audit value based on lender qualifying requirements. |
| 305030505 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 765 | 0 | Audit value based on lender qualifying requirements. |
| 305031538 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 702 | 0 | Audit value based on lender qualifying requirements. |
| 305030504 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 810 | 0 | Audit value based on lender qualifying requirements. |
| 305030512 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 771 | 0 | Audit value based on lender qualifying requirements. |
| 305024832 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305024832 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 68.09 | 68.08 | Rounding |
| 305024832 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 68.09 | 68.08 | Rounding |
| 305024073 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304894234 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305030503 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305030648 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| 305013668 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305025996 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.97 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305025996 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.97 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305029936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| 305029936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 36 Months | 24 Months | Audit Value Pulled From Note / PPP Addendum. |
| 305029936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305029936 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 793 | 0 | Audit value based on documents located in the loan file. |
| 305029935 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305029935 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 725 | 0 | Audit value based on lender qualifying requirements. |
| 305029921 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029921 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Prepayment Period MTrade | mtradeDataPage | 12 Months | 60 Months | Audit value pulled from documents located in the loan file. |
| 305029921 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 704 | 755 | Audit value based on lender qualifying requirements. |
| 305029907 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| 305029907 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 788 | 0 | Audit value based on lender qualifying requirements. |
| 305029905 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305029905 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Qualifying FICO | creditLiabilitiesPage | 704 | 0 | Audit Value based on lender qualifying requirements |
| 305029903 | XXXXXXX | XXXXXX | XXXXXXX | 0448-008 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305045950 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 790 | 0 | Audit value based on lender qualifying requirements. |
| 305042222 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 788 | 0 | Qualifying FICO updated from credit report. |
| 305047528 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| 304889876 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 304889876 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 680 | 737 | Audit value based on lender qualifying requirements. |
| 304899118 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying CLTV | propertyValuationPage | 69.71 | 60.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304899118 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying LTV | propertyValuationPage | 69.71 | 60.00 | Audit Value of Subject Lien / Qualifying Value |
| 304889797 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 755 | 749 | Audit value based on lender qualifying requirements. |
| 304899061 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Rental | Audit Value Pulled From 1008. |
| 304899017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 304899017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 304899017 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 760 | 774 | Audit value based on lender qualifying requirements. |
| 304899016 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Borrower 1 Last Name | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 304899016 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 304899016 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 760 | 774 | Audit value based on lender qualifying requirements. |
| 304898976 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304898976 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 791 | 794 | Audit Value based on lender qualifying requirements |
| 304898975 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Other | Audit value pulled from documents located in the loan file. |
| 304898975 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Prepayment Period MTrade | mtradeDataPage | 60 Months | 360 Months | Audit value pulled from documents located in the loan file. |
| 304898975 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 791 | 794 | Audit value pulled from documents located in the loan file. |
| 304898974 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying CLTV | propertyValuationPage | 66.87 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304898974 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 754 | 791 | Audit value based on lender qualifying requirements. |
| 304898974 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying LTV | propertyValuationPage | 66.87 | 75 | Audit Value of Subject Lien / Qualifying Value |
| 305039447 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 683 | 0 | Audit Value Pulled From Note. |
| 305029099 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying CLTV | propertyValuationPage | 80 | 78.79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029099 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying LTV | propertyValuationPage | 80 | 78.79 | Audit Value of Subject Lien / Qualifying Value |
| 305039442 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 778 | 0 | Audit value based on lender qualifying requirements. |
| 305039440 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 714 | 0 | Audit value pulled from documents located in the loan file. |
| 305039438 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 716 | 0 | Audit value based on documents located in the loan file. |
| 305039437 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 720 | 0 | Audit value based on lender qualifying requirements. |
| 305039435 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 782 | 0 | Audit value based on lender qualifying requirements. |
| 305039434 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 794 | 0 | Audit value based on lender qualifying requirements. |
| 305039433 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Rental | Audit value pulled from documents located in loan file |
| 305039433 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value Pulled From Appraisal. |
| 305039431 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 700 | 0 | Audit value based on lender qualifying requirements. |
| 305039429 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 700 | 0 | Audit value based on lender qualifying requirements. |
| 305039426 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039422 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 794 | 0 | Audit value based on lender qualifying requirements. |
| 305039420 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 787 | 0 | Audit value based on lender qualifying requirements. |
| 305039418 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305039416 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Rental | Audit value pulled from documents located in loan file |
| 305039414 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 738 | 0 | Audit value based on lender qualifying requirements. |
| 305039407 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 772 | 0 | Audit value based on lender qualifying requirements. |
| 305039406 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| 305039406 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Property Address | notePage | XXXXXX | XXXXX | Audit Value Pulled From Note. |
| 305039404 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 725 | 0 | FICO score verified from credit report |
| 305039398 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 755 | 0 | Audit value based on lender qualifying requirements. |
| 305039397 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Rental | Audit Value Pulled From 1008. |
| 305039395 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 731 | 0 | Audit value based on lender qualifying requirements. |
| 305039394 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Qualifying FICO | creditLiabilitiesPage | 711 | 0 | Audit value based on documents located in the loan file. |
| 305043827 | XXXXXXX | XXXXXX | XXXXXXX | 0448-006 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305026590 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Purpose | the1003Page | Refinance | Purchase | Audit value pulled from documents located in the loan file. |
| 305026590 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying FICO | creditLiabilitiesPage | 816 | 0 | Audit value based on lender qualifying requirements. |
| 305013553 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304868072 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304868072 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying CLTV | propertyValuationPage | 77.98 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304868072 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Qualifying LTV | propertyValuationPage | 77.98 | 80 | Audit Value of Subject Lien / Qualifying Value |
| 304904055 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 305013392 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 87.36 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013392 | XXXXXXX | XXXXXX | XXXXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 87.36 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 305013628 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| 304875963 | XXXXXXX | XXXXXX | XXXXXXX | 0448-002 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **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?** |
| 304889681 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-16 17:37 | 2026-01-29 09:35 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 <br> Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX Policy requires that the amount of title insurance coverage must be greater than or equal to the original <br> principal amount of the mortgage. - Due Diligence Vendor-12/16/2025 |  | Resolved-Sufficient coverage provided. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 | XXXXXXX_1.pdf |  |  | WA | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6652288 | N/A | N/A |
| 304889327 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-20 21:31 | 2026-01-02 18:01 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Received verification from insurance agent, that indicates the dwelling of $XX,XXX covers the replacement cost of the property. Condition cleared. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-12/29 XX: See attached, dwelling of $XX,XXX covers the replacement cost - Due Diligence Vendor-12/29/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXXX is less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-12/21/2025 |  | Resolved-Received verification from insurance agent, that indicates the dwelling of $XXXXXXX covers the replacement cost of the property. Condition cleared. - Due Diligence Vendor-01/02/2026 | XXXXXXX_1.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 6723951 | N/A | N/A |
| 304907232 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-15 13:54 | 2025-12-29 07:51 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX , however disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/29/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX , however disbursement date is XX/XX/XXXX. - Due Diligence Vendor-12/29/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 6630864 | Investor Post-Close | No |
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 02:37 | 2026-01-16 08:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/08/2026 <br>Ready for Review-solar panel documents upld - Due Diligence Vendor-01/05/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing proof of documents for solar panel. - Due Diligence Vendor-12/24/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/08/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | MD | Primary Residence | Purchase | NA | 6783691 | N/A | N/A |
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 02:38 | 2026-01-08 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received solar docs. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-solar panel documents upld to previos condition - Due Diligence Vendor-01/05/2026 <br>Open-Missing proof of documents for solar panel. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received solar docs. - Due Diligence Vendor-01/08/2026<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6783700 | N/A | N/A |
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 05:12 | 2026-01-08 15:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-pat acts & id's for both bwr upld - Due Diligence Vendor-01/08/2026 <br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-01/08/2026<br>| XXXXXXX_1.pdf |  |  | MD | Primary Residence | Purchase | NA | 6730017 | N/A | N/A |
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 05:12 | 2026-01-08 15:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-pat acts & id's for both bwr upld to prev condition - Due Diligence Vendor-01/08/2026 <br>Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-12/22/2025 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-01/08/2026<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6730018 | N/A | N/A |
| 305044937 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 11:59 | 2026-02-17 19:25 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Attached - Due Diligence Vendor-02/17/2026 <br>Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-02/13/2026 |  | Resolved-Received verification ARM disclosure provided timely. Condition cleared. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | KS | Primary Residence | Purchase | NA | 7613218 | N/A | N/A |
| 305044937 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 06:56 | 2026-02-16 06:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/16/2026<br>|  |  |  | KS | Primary Residence | Purchase | NA | 7629918 | Investor Post-Close | No |
| 305030488 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 16:20 | 2026-02-18 14:04 | Resolved | 1 - Information | Credit | Assets | Asset 2 Expired | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 <br> Open-Asset 2 Expired Retirement account provided dated XX/XX/XXXX is not within the most recent 90 days prior to the Note date of XX/XX/XXXX as required per lender guidelines. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Purchase | NA | 7449831 | N/A | N/A |
| 305030488 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 16:20 | 2026-02-18 14:04 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Retirement account provided dated XX/XX/XXXX is not within the most recent 90 days prior to the Note date of XX/XX/XXXX as required per lender guidelines. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received updated asset statement, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Purchase | NA | 7449830 | N/A | N/A |
| 305030487 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:21 | 2026-02-14 20:19 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Open-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/27/2026 |  | Waived-Audited Reserves of 5.29 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  |  | 702 FICO > 680 min<br> 45% DTI < 50% max | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7317295 | Investor Post-Close | No |
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 71.59% exceeds Guideline LTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |  | Waived-Audited LTV of 71.59% exceeds Guideline LTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026<br>|  |  | >=4 months additional reserves and <=$XXXX<br> CDFI Hispanic<br> >3 tradelines rated for > 5 years | TX | Investment | Refinance | Cash Out - Other | 7389045 | Originator Post-Close | No |
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 71.59% exceeds Guideline HCLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |  | Waived-Audited HLTV of 71.59% exceeds Guideline HCLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026<br>|  |  | >=4 months additional reserves and <=$XXXX<br> CDFI Hispanic<br> >3 tradelines rated for > 5 years | TX | Investment | Refinance | Cash Out - Other | 7389044 | Originator Post-Close | No |
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:29 | 2026-03-27 06:33 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 71.59% exceeds Guideline CLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026 |  | Waived-Audited CLTV of 71.59% exceeds Guideline CLTV of 70% Current LTV/CLTV is 71.591%, which exceeds the standard 70% lender guideline for a 680 FICO score; however, a lender exception has been approved. - Due Diligence Vendor-02/01/2026<br>|  |  | >=4 months additional reserves and <=$XXXX<br> CDFI Hispanic<br> >3 tradelines rated for > 5 years | TX | Investment | Refinance | Cash Out - Other | 7389043 | Originator Post-Close | No |
| 305030444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 18:08 | 2026-02-18 08:08 | Resolved | 1 - Information | Property | Property | Property is listed for sale | Resolved-The appraisal reflects no listings in the previous 12 months. The loan file also contains a XXX search showing the property is off the market. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2-11, per Zillow property is not for sale. - Due Diligence Vendor-02/11/2026 <br> Open-Borrower's LOX indicates the property was listed for sale prior to refinance, according to the lender guidelines the LTV will be based on the lesser of the most recent list price or appraised value. missing copy of the sale listing with the list price to determine LTV. - Due Diligence Vendor-02/04/2026 |  | Resolved-The appraisal reflects no listings in the previous 12 months. The loan file also contains a Zillow search showing the property is off the market. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  |  |  | UT | Investment | Refinance | Cash Out - Other | 7427793 | N/A | N/A |
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Copy of lease with evidence of first month's rent and security deposit was provided. DSCR = 1.30%. CLTV is within guidelines. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please see attached matrix as max ltv with a 786 fico is 85% ltv. Thank you. - Due Diligence Vendor-02/05/2026 <br>Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/02/2026 |  | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Purchase | NA | 7393535 | N/A | N/A |
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Copy of lease with evidence of first month's rent and security deposit was provided. DSCR = 1.30%. HLTV is within guidelines. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-See matrix max ltv with a 786 fico is 85% on a purchase. Thank you. - Due Diligence Vendor-02/05/2026 <br>Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/02/2026 |  | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Purchase | NA | 7393536 | N/A | N/A |
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:22 | 2026-02-16 15:53 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Copy of lease with evidence of first month's rent and security deposit was provided. DSCR = 1.30%. LTV is within guidelines. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please see lease attached along with security deposit & 1st mths rent. Thank you. - Due Diligence Vendor-02/05/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% . The maximum LTV for a DSCR <1 is 75%. Audit DSCR =0.916 (Gross rent 3150/ 3439.48 (PITI)) - Due Diligence Vendor-02/02/2026 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | NY | Investment | Purchase | NA | 7393537 | N/A | N/A |
| 304868677 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 13:07 | 2026-02-16 14:22 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Master insurance policy for commercial general liability was received. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Commercial liability - Due Diligence Vendor-02/04/2026 <br> Open-Missing Hazard Insurance Policy Subject property is XXX. Missing commercial general liability insurance blanket policy against claims for personal injury, bodily injury, death or property damage as required per lender guidelines. <br> - Due Diligence Vendor-02/01/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | NJ | Investment | Purchase | NA | 7389088 | N/A | N/A |
| 305030398 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 11:08 | 2026-02-16 19:05 | Resolved | 1 - Information | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/10/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/03/2026 |  | Resolved-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/17/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7421361 | N/A | N/A |
| 305030384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 17:24 | 2026-02-18 15:26 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR and VOM in file show current up to the month of closing, proof of December payments not required. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-loan closed XX/XX/XXXX - mtg payment was not considered late; Dec payment not required. - Due Diligence Vendor-02/12/2026 <br> Open- According to lender guidelines the VOR/ VOM verification needs to reflect a pay history up to the month the loan is closing. Missing verification for XX/XXXX for the VOR and VOM. - Due Diligence Vendor-02/06/2026 |  | Resolved-VOR and VOM in file show current up to the month of closing, proof of December payments not required. Finding resolved. - Due Diligence Vendor-02/18/2026<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 7501090 | N/A | N/A |
| 305030384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 17:10 | 2026-02-15 17:04 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client approved exception to purchase criteria. Cash-out amount within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br> Ready for Review-per matrix, Max cash in hand $X,XXX,XXX.XX<br> - Due Diligence Vendor-02/12/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Cash out of $XXX,XXX.XX exceeds the maximum cash out of $XXX,XXX per client overlay. - Due Diligence Vendor-02/06/2026 |  | Waived-Client approved exception to purchase criteria. Cash-out amount within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 7500978 | Investor Post-Close | No |
| 305030344 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:29 | 2026-02-15 17:37 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br> Open-Audited Reserves of 3.03 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX minus cash to close of $X,XXX.XX equates to 3.03 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX. - Due Diligence Vendor-02/02/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026<br>|  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7403949 | Investor Post-Close | No |
| 305030325 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 15:43 | 2026-02-18 15:13 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received evidence of receipt of gift funds, finding resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/18/2026 <br> Ready for Review-wire transfers of gift funds - Due Diligence Vendor-02/12/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Evidence of receipt of gift funds for $XXX,XXX.XX and $XX,XXX from donor is missing. - Due Diligence Vendor-02/03/2026 |  | Resolved-Received evidence of receipt of gift funds, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | FL | Investment | Purchase | NA | 7426321 | N/A | N/A |
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 11:47 | 2026-02-18 09:03 | Resolved | 1 - Information | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received initial application and evidence POA was recorded with the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached commercial loan application, Recorded DOT, Recorded POA - Due Diligence Vendor-02/11/2026 <br>Open-Trust/POA Does Not Meet Guideline Requirements. A limited Power of Attorney (POA) was utilized. According to the lender guidelines the POA is acceptable when the following requirements are met; borrower who executed the POA signed the initial 1003; and POA is recorded with the mortgage. Missing an initial 1003 signed by the borrower. Missing evidence, the POA was recorded with the mortgage. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received initial application and evidence POA was recorded with the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7541302 | N/A | N/A |
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 12:07 | 2026-02-18 08:50 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 <br>Resolved-Executed Quitclaim Deed received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached QCD - Due Diligence Vendor-02/11/2026 <br>Open-Property Title Issue Quitclaim Deed granting subject property to the borrower was not executed by all parties (page 169). An executed quit claim deed is missing. - Due Diligence Vendor-02/10/2026 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 <br>Resolved-Executed Quitclaim Deed received, finding resolved. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7541904 | N/A | N/A |
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 08:25 | 2026-02-18 08:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Riders are not required on all BP loans - Due Diligence Vendor-02/11/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Condo Rider is embedded in the Mortgage document, finding resolved. - Due Diligence Vendor-02/18/2026<br>|  |  |  | CO | Investment | Refinance | No Cash Out - Borrower Initiated | 7372312 | N/A | N/A |
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:37 | 2026-02-13 07:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026 <br>Ready for Review-see attached rent free loe - Due Diligence Vendor-02/05/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/13/2026<br>|  |  |  | OH | Primary Residence | Purchase | NA | 7380981 | N/A | N/A |
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:05 | 2026-02-13 07:55 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026 <br>Ready for Review-rent free loe - Due Diligence Vendor-02/05/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Lender Guidelines require "A detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame."; letter is missing from the loan file. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided Rent Free letter signed and dated, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf |  |  | OH | Primary Residence | Purchase | NA | 7379264 | N/A | N/A |
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:14 | 2026-02-13 07:54 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached e-consent. The XX/XX/XXXX initial LE was wet signed - Due Diligence Vendor-02/05/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower.<br> - Due Diligence Vendor-01/30/2026 |  | Resolved-E-Consent documentation for borrower provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf |  |  | OH | Primary Residence | Purchase | NA | 7379432 | N/A | N/A |
| 305030311 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 07:55 | 2026-02-16 12:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/16/2026 <br> Ready for Review-The business formed on XX/XX/XXXX – within 12 months of the Note date XX/XX/XXXX. Evidence of Good Standing is not required. Condition cleared. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Evidence of good standing (not required for LLCs formed within the last 12 months) - Due Diligence Vendor-02/04/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/16/2026<br>|  |  |  | CA | Investment | Purchase | NA | 7292509 | N/A | N/A |
| 305030301 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 08:50 | 2026-02-01 08:50 | Waived | 2 - Non-Material | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender guidelines requires, one tradeline reporting satisfactorily for 24-months with activity in the most recent 12-months or two tradelines reporting satisfactorily for 12-months all with activity in the most recent 90 days. Despite this requirement credit report shows 2 tradelines reported recent 10-months and 16 months which is not met the tradeline requirements. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |  | Waived-Lender guidelines requires, one tradeline reporting satisfactorily for 24-months with activity in the most recent 12-months or two tradelines reporting satisfactorily for 12-months all with activity in the most recent 90 days. Despite this requirement credit report shows 2 tradelines reported recent 10-months and 16 months which is not met the tradeline requirements. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026<br>|  |  | Reserves - 6 months<br> Min Fico - 660<br> Max LTV - 70%<br> Min DSCR - 1 | MS | Investment | Refinance | Cash Out - Other | 7388741 | Originator Pre-Close | Yes |
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 12:32 | 2026-02-13 10:50 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-LOA, and PCCD with Foreclosure Prevention Fee. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached Foreclosure Prevention Fee Audit, LOA, and PCCD - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/01/2026 <br> Open-Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-LOA, and PCCD with Foreclosure Prevention Fee. Finding resolved. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7316486 | N/A | N/A |
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 09:37 | 2026-02-01 09:40 | Waived | 2 - Non-Material | Credit | Eligibility | Cash out amount greater than guideline maximum | Waived-Lender guidelines allow a maximum cash out of $X,XXX,XXX per the final CD the borrower received a cash out amount of $X,XXX,XXX.XX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |  | Waived-Lender guidelines allow a maximum cash out of $XXXXXXXX per the final CD the borrower received a cash out amount of $XXXXXXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |  |  | 1> FICO 40+ points over minimum matrix tier. <br> 2. Residual income over $XXXXXX. <br> 3. DTI is 10% or more under max allowed. <br> 4. Subject free and clear. | WA | Primary Residence | Refinance | Cash Out - Other | 7388783 | Originator Pre-Close | Yes |
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:14 | 2026-01-27 13:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7317230 | Investor Post-Close | No |
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 12:29 | 2026-02-23 15:25 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached confirmation from Compliance - Due Diligence Vendor-02/18/2026 <br> Counter-Per Lender Attestation does not show XXXXXXXXX is closed on Saturdays, need proof XXXXXXXXX is closed for business on Saturdays. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Saturday should not be included in the business day calculation since XXXXXXXXX is not open for business. (6) Business day means a day on which the creditor's offices are open to the public for carrying on substantially all of its business functions. However, for purposes of rescission under §§ 1026.15 and 1026.23, and for purposes of §§ 1026.19(a)(1)(ii), 1026.19(a)(2), 1026.19(e)(1)(iii)(B), 1026.19(e)(1)(iv), 1026.19(e)(2)(i)(A), 1026.19(e)(4)(ii), 1026.19(f)(1)(ii), 1026.19(f)(1)(iii), 1026.20(e)(5), 1026.31, and 1026.46(d)(4), the term means all calendar days except Sundays and the legal public holidays specified in 5 U.S.C. 6103(a), such as New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. - Due Diligence Vendor-02/05/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Federal-Initial Loan Estimate delivered more than 3 business days from application<br> - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 |  | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026<br>| XXXXXXX_1.pdf |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 7387886 | N/A | N/A |
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 12:29 | 2026-02-23 15:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 |  | Resolved-Received verification the lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure dated XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/31/2026 |  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 7387884 | N/A | N/A |
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:11 | 2026-02-02 10:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/31/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/31/2026 |  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 7387945 | Originator Post-Close | No |
| 305030287 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-27 18:11 | 2026-03-27 18:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026<br>|  |  |  | CA | Investment | Purchase | NA | 8370047 | Investor Post-Close | No |
| 305030287 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 11:57 | 2026-03-27 05:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-EIN received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/18/2026 <br>Ready for Review-EIN - Due Diligence Vendor-02/12/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-01/30/2026 |  | Resolved-EIN received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | CA | Investment | Purchase | NA | 7379102 | N/A | N/A |
| 305030285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 19:08 | 2026-02-15 17:55 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded.<br> - Due Diligence Vendor-02/15/2026 <br> Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br> Open-Audited Reserves of 4.01 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX plus $XXX,XXX.XX gift funds minus cash to close of $XXX,XXX.XX equates to 4.01 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX.<br> - Due Diligence Vendor-02/01/2026 | 20.08% DTI < 50% max<br> 0x30x24 VOR - 02/15/2026 <br>| Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded.<br> - Due Diligence Vendor-02/15/2026<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7388237 | Investor Post-Close | No |
| 305030285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 19:10 | 2026-02-15 17:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client overlay acknowledged and downgraded. - Due Diligence Vendor-02/15/2026 <br>Ready for Review-Please see attached exception - Due Diligence Vendor-02/13/2026 <br>Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-02/01/2026 |  | Resolved-Client overlay acknowledged and downgraded. - Due Diligence Vendor-02/15/2026<br>| XXXXXXX_1.pdf |  |  | MD | Primary Residence | Purchase | NA | 7388240 | N/A | N/A |
| 305030282 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 12:09 | 2026-02-13 08:03 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached E-Consent - Due Diligence Vendor-02/05/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/02/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf |  |  | NJ | Primary Residence | Purchase | NA | 7402241 | N/A | N/A |
| 305030282 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 08:53 | 2026-02-02 12:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 7293740 | Investor Post-Close | No |
| 305030280 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 13:49 | 2026-02-16 13:32 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-An updated hazard insurance declarations page with a policy number was received. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Hazard - Due Diligence Vendor-02/04/2026 <br>Open-Hazard Insurance Policy Partially Provided Hazard insurance provided indicates the policy number as pending. Missing a hazard insurance dec page with a policy number. - Due Diligence Vendor-02/02/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | NJ | Investment | Purchase | NA | 7337522 | N/A | N/A |
| 305030277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:57 | 2026-02-17 14:23 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Rider information is embedded as part of the Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Missing Mortgage Riders – PUD Rider PUD Rider is Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Rider information is embedded as part of the Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026<br>|  |  |  | FL | Investment | Purchase | NA | 7377799 | N/A | N/A |
| 305030267 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:17 | 2026-01-30 10:17 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 7375679 | Investor Post-Close | No |
| 305030263 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 08:26 | 2026-02-16 18:58 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The following documentation is attached to support that borrower is not a First Time Investor and not a FTHB:<br> • Property at XXX-XXX XXXXXXXX XX, XXXXXXXX, XX shows vestee as XX XXX-XXX XXXXXXXX XX XX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Has owned since XX/XXXX.<br> • Property at XX-XX XXXXX XX, XXXXXXXX, XX shows vestee as XX XXXXX XXX. Borrower is owner of this business. Property Profile and Business Licensing information is attached. Had owned since XX/XXXX.<br> - Due Diligence Vendor-02/06/2026 <br> Open-According to the lender guidelines, first time home buyer is not permitted for the DSCR 5–8-unit program. Missing evidence the borrower has had ownership interest in the past three years. - Due Diligence Vendor-02/02/2026 |  | Resolved-Received property detail reports for 2 properties and business details to indicate borrower owns both properties, meeting ownership interest within the last 3 years - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | NJ | Investment | Purchase | NA | 7396066 | N/A | N/A |
| 305030238 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 13:45 | 2026-02-18 10:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/11/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |  | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026<br>|  |  |  | OR | Investment | Refinance | No Cash Out - Borrower Initiated | 7389344 | N/A | N/A |
| 305030235 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 07:19 | 2026-02-16 18:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-A final HUD-1 signed by the borrower was received. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached Final SS - Due Diligence Vendor-02/06/2026 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-01/28/2026 |  | Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 7326892 | N/A | N/A |
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 09:06 | 2026-02-13 10:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided Lock Confirmation, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached lock confirmation - Due Diligence Vendor-02/10/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/31/2026 |  | Resolved-Lender provided Lock Confirmation, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Refinance | Cash Out - Other | 7387570 | N/A | N/A |
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 11:01 | 2026-02-03 14:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/29/2026<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 7354480 | Investor Post-Close | No |
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 09:51 | 2026-01-29 09:51 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-1. As XX XXXXXXXX bond coverage is required for condominium projects over XX units. The insurance coverage must be at least equal to the greater of 3 months HOA dues.<br> 2. The current Master Insurance Policy provides a XXXXXXXX coverage amount of $XXX,XXX. XXXXXXXX<br> coverage is required to be $XXX,XXX.XX - $XX,XXX.XX shortfall. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/29/2026 |  | Waived-1. As XXXXXXXX bond coverage is required for condominium projects over 20 units. The insurance coverage must be at least equal to the greater of 3 months HOA dues.<br> 2. The current Master Insurance Policy provides a XXXXXXX coverage amount of $XXXXXXX. XXXXXXX<br> coverage is required to be $XXXXXXX - $XXXXXXX shortfall. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/29/2026 |  |  | Reserve: 35.23 (cashout) <br> FICO: 766<br> LTV: 75%<br> DTI : 29.541% | NY | Investment | Refinance | Cash Out - Other | 7352436 | Originator Pre-Close | Yes |
| 305030196 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 08:50 | 2026-02-16 13:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/01/2026 |  | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026<br>|  |  |  | FL | Investment | Purchase | NA | 7388742 | N/A | N/A |
| 305030188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 12:41 | 2026-02-16 13:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/04/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |  | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026<br>|  |  |  | NY | Investment | Purchase | NA | 7402923 | N/A | N/A |
| 305030181 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 12:06 | 2026-02-13 08:13 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-12 months rent payment and lease. XX/XXXX & XX/XXXX rent was $XXX. - Due Diligence Vendor-02/05/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 10 months statement in file to verify rent payment. 12 months statement not in file. - Due Diligence Vendor-01/29/2026 |  | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | SC | Primary Residence | Purchase | NA | 7355732 | N/A | N/A |
| 305030181 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:38 | 2026-02-13 08:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-12 months of rent payments was provided in the other condition. - Due Diligence Vendor-02/05/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Incomplete Verification of Rent - 10 months verified vs. 12 months required. - Due Diligence Vendor-02/01/2026 |  | Resolved-Lender provided Lease with 12 months of rental payments, Finding resolved. - Due Diligence Vendor-02/13/2026<br>|  |  |  | SC | Primary Residence | Purchase | NA | 7388850 | N/A | N/A |
| 305030176 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 05:37 | 2026-02-19 11:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Valuation Review product received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/30/2026 |  | Resolved-Valuation Review product received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf |  |  | NY | Investment | Purchase | NA | 7367804 | N/A | N/A |
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 15:25 | 2026-01-30 15:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7382557 | Investor Post-Close | No |
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 14:43 | 2026-01-30 14:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7381958 | Investor Post-Close | No |
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 14:43 | 2026-01-30 14:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/30/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7381959 | Investor Post-Close | No |
| 305030162 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 04:06 | 2026-02-17 14:38 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-The primary residence is in non-borrowing spouse's name only. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Note for XXX only reporting in the spouse (Non-borrower) name - Due Diligence Vendor-02/11/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The Final 1003 indicated the primary residence is free and clear, however there is a monthly mortgage statement in the file; missing verification of the mortgage on the primary residence. - Due Diligence Vendor-01/30/2026 |  | Resolved-The primary residence is in non-borrowing spouse's name only. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 7366158 | N/A | N/A |
| 305030137 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 08:37 | 2026-01-26 08:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 7293381 | Investor Post-Close | No |
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:03 | 2026-04-01 12:59 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. <br> - Due Diligence Vendor-04/01/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-03/31/2026 <br>Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached Exception - Due Diligence Vendor-02/05/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The lender guidelines for 1009 (IRS Form) Only requires the most recent 2-months proof of receipt in the form of either paystubs or bank statements. The file is missing most recent 2-months proof of receipt in the form of either paystubs or bank statements. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. <br> - Due Diligence Vendor-04/01/2026 <br>Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7375455 | N/A | N/A |
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:59 | 2026-02-13 07:20 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026 <br>Ready for Review-see attached business statements - Due Diligence Vendor-02/04/2026 <br>Open-Income and Employment Do Not Meet Guidelines The lender guidelines for 1009 (IRS Form) Only requires the most recent 2-months proof of receipt in the form of either paystubs or bank statements. The file is missing most recent 2-months proof of receipt in the form of either paystubs or bank statements. - Due Diligence Vendor-02/01/2026 |  | Resolved-Lender provided 2 months of bank statements to fulfill guidelines requirements. Finding resolved - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7388898 | N/A | N/A |
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:33 | 2026-02-01 10:38 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements The lender guideline requires when renting from a private party, the borrower must document the lease covering most recent 12 months and either 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. The file is missing 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements The lender guideline requires when renting from a private party, the borrower must document the lease covering most recent 12 months and either 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. The file is missing 12 months cancelled checks or bank statements showing account ownership and payments debited by the landlord. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/01/2026<br>|  |  | Reserves 15mos Vs 3mos.<br> Fico 802 Vs 660<br> LTV 67%<br> DTI 38.936% | AZ | Primary Residence | Purchase | NA | 7388842 | Originator Pre-Close | Yes |
| 305030125 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 12:18 | 2026-02-15 20:02 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Counter-Per overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br>Open-Audited Reserves of 5.39 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/29/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>|  |  | 27.38 DTI < 50% max<br> 800 FICO > 680 min | CA | Primary Residence | Purchase | NA | 7355941 | Investor Post-Close | No |
| 305030124 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 03:29 | 2026-02-16 13:55 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the PUD. <br> - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/01/2026 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/16/2026<br>|  |  |  | NC | Investment | Refinance | Cash Out - Other | 7388510 | N/A | N/A |
| 305030114 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 02:38 | 2026-02-18 15:43 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Loan qualified using short-term rental income which increase the DSCR to >1.0%. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-XXX XXX - Due Diligence Vendor-02/12/2026 <br> Open-Audited DSCR of 0.868 is below guideline minimum of 1 - Due Diligence Vendor-01/30/2026 |  | Resolved-Loan qualified using short-term rental income which increase the DSCR to >1.0%. Finding resolved. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | UT | Investment | Refinance | Cash Out - Other | 7365719 | N/A | N/A |
| 305030105 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:58 | 2026-02-17 15:20 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Mortgage payment history for the primary residence received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Santander mtg is reported on the credit report. - Due Diligence Vendor-02/11/2026 <br>Open-Housing History Does Not Meet Guideline Requirements As per guidelines, most recent 12 months mortgage history required for the primary residence is missing. - Due Diligence Vendor-02/06/2026 |  | Resolved-Mortgage payment history for the primary residence received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | PA | Investment | Purchase | NA | 7395267 | N/A | N/A |
| 305030098 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 06:56 | 2026-02-16 14:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Not required on Business Purpose loans. - Due Diligence Vendor-02/04/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/01/2026 |  | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026<br>|  |  |  | MA | Investment | Refinance | Cash Out - Other | 7388654 | N/A | N/A |
| 305030057 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 08:52 | 2026-02-18 10:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/04/2026 |  | Resolved-Condo Rider language is embedded in the Mortgage doc. Finding resolved. - Due Diligence Vendor-02/18/2026<br>|  |  |  | MA | Investment | Purchase | NA | 7437490 | N/A | N/A |
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 19:21 | 2026-02-15 20:28 | Waived | 2 - Non-Material | Credit | Eligibility | Credit score does not meet client overlay guidelines | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Open-Audited FICO of 680 is less than Guideline FICO of 720 allowed by client overlays. Credit score of 680 is less than 720, the minimum credit score required per client overlay guidelines. - Due Diligence Vendor-02/07/2026 |  | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>|  |  | 13.4% DTI < 55% max<br> 55 months reserves | GA | Investment | Purchase | NA | 7501628 | Investor Post-Close | No |
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 19:22 | 2026-02-06 19:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. . - Due Diligence Vendor-02/03/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. . - Due Diligence Vendor-02/03/2026<br>|  |  |  | GA | Investment | Purchase | NA | 7408484 | Investor Post-Close | No |
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 19:21 | 2026-02-06 19:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026<br>|  |  |  | GA | Investment | Purchase | NA | 7501629 | Investor Post-Close | No |
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:51 | 2026-02-16 12:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/13/2026 <br>Counter-Lender provided Invoices to show job were completed for large deposits. Still need additional finds for 6 months per overlays. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements 1) Insufficient reserves per Client overlay guidelines. 2) Large deposits not documented. - Due Diligence Vendor-01/31/2026 |  | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | TN | Primary Residence | Purchase | NA | 7388038 | N/A | N/A |
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:53 | 2026-02-16 12:19 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/13/2026 <br> Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br> Open-Audited Reserves of 3.33 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XXX,XXX.XX minus cash to close of $XX,XXX.XX equates to 3.33 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX.<br> - Due Diligence Vendor-01/31/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  | 806 FICO<br> Self-employed 10+ years | TN | Primary Residence | Purchase | NA | 7388041 | Investor Post-Close | No |
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:56 | 2026-02-13 09:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Lender provided Invoices to show job were completed for large deposits. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Invoices - Due Diligence Vendor-02/09/2026 <br> Open-The following large deposits were not documented: XX/XX/XXXX $XX,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX, XX/XX/XXXX $X,XXX.XX and XX/XX/XXXX $X,XXX.XX. - Due Diligence Vendor-01/31/2026 |  | Resolved-Lender provided Invoices to show job were completed for large deposits. Finding resolved. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | TN | Primary Residence | Purchase | NA | 7388046 | N/A | N/A |
| 305030020 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 12:21 | 2026-02-16 12:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Counter-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Per Overlay, 6 months of reserves are required. finding remains. - Due Diligence Vendor-02/13/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Please see attached exception - Due Diligence Vendor-02/06/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Insufficient reserves per client overlay guidelines. - Due Diligence Vendor-02/01/2026 |  | Resolved-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/13/2026<br>| XXXXXXX1.pdf |  |  | TX | Primary Residence | Purchase | NA | 7389032 | N/A | N/A |
| 305030020 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 14:19 | 2026-02-16 12:28 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br> Counter- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Per Overlays, 6 months of reserves are required. Finding remains - Due Diligence Vendor-02/13/2026 <br> Open-Audited Reserves of 5.89 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Verified assets of $XX,XXX.XX minus cash to close of $X,XXX.XX equates to 5.89 months of reserves, or $XX,XXX.XX, which is less than the required 6 months reserves, totaling $XX,XXX.XX.<br> - Due Diligence Vendor-01/29/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>|  |  | 16% DTI < 50% max DTI<br> 736 FICO | TX | Primary Residence | Purchase | NA | 7358385 | Investor Post-Close | No |
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 09:02 | 2026-02-17 13:31 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider embedded in Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/10/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/30/2026 |  | Resolved-PUD Rider embedded in Mortgage document. Finding resolved. - Due Diligence Vendor-02/17/2026<br>|  |  |  | AZ | Investment | Purchase | NA | 7373585 | N/A | N/A |
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 09:36 | 2026-02-17 13:28 | Resolved | 1 - Information | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached Final SS - Due Diligence Vendor-02/11/2026 <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Final Settlement Statement received, finding resolved. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | AZ | Investment | Purchase | NA | 7374394 | N/A | N/A |
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 19:15 | 2026-02-17 13:24 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received evidence of wire transfer for gift funds. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/17/2026 <br>Ready for Review-gift funds wire transfer - Due Diligence Vendor-02/11/2026 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Evidence of borrower's receipt of gift funds $23,257.91 from donor is missing. - Due Diligence Vendor-02/05/2026 |  | Resolved-Received evidence of wire transfer for gift funds. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | AZ | Investment | Purchase | NA | 7451879 | N/A | N/A |
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 09:54 | 2026-02-17 17:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received evidence primary residence is owned XXX, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 <br> Ready for Review-primary residence is owned free and clear - Due Diligence Vendor-02/11/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM for the primary residence is missing. VOM needs to reflect pay history up to the month the loan is closing as required per lender guideline. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received evidence primary residence is owned F&C, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7537430 | N/A | N/A |
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 10:05 | 2026-02-17 17:33 | Resolved | 1 - Information | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Resolved-Received active lease and proof of 2 months rent received, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-lease/two months rent and security deposit. - Due Diligence Vendor-02/11/2026 <br> Open-Audited DSCR of 0.931 is below guideline minimum of 1 DSCR of 0.931 is less than guideline minimum requirement DSCR of 1. Lender's DSCR = 1.19. Lender utilized a rental income of $XXXX vs $XXXX per the Form 1007. Lender 1008 approval indicates lease with income of $XXXX along with evidence of 1st month rent and security deposit is present. Missing Lease and evidence of 1st month rent and security deposit. - Due Diligence Vendor-02/10/2026 |  | Resolved-Received active lease and proof of 2 months rent received, finding resolved. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7537847 | N/A | N/A |
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 09:27 | 2026-02-17 17:30 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-DSCR verified to be 1.1% which allows for LTV of 80%, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-DSCR 1.10; lease and two months rent provided. - Due Diligence Vendor-02/11/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% The maximum LTV for DSCR < 1 for a rate/term refinance is 75%. DSCR of 0.931 is less than guideline minimum requirement DSCR of 1. - Due Diligence Vendor-02/01/2026 |  | Resolved-DSCR verified to be 1.1% which allows for LTV of 80%, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 7388769 | N/A | N/A |
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:12 | 2026-02-17 15:06 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see the lock confirmations - Due Diligence Vendor-02/11/2026 <br>Open-MISSING EVIDENCE OF RATE LOCK - Due Diligence Vendor-02/02/2026 |  | Resolved-Evidence of rate lock received, finding resolved. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | FL | Investment | Purchase | NA | 7394503 | N/A | N/A |
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 05:26 | 2026-02-17 14:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history documentation in the loan file meets guideline requirements. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Borrower meets first time investor requirements per matrix, First Time Investors eligible subject to the following restrictions: •Min credit score: 680 \| No housing late payments during the past 12 month - Due Diligence Vendor-02/11/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower appears to be a first-time homebuyer. There are no mortgages on credit and no REO on fraud report. Guideline overlays don't allow for FTHBs. - Due Diligence Vendor-02/03/2026 |  | Resolved-Housing history documentation in the loan file meets guideline requirements. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026<br>|  |  |  | FL | Investment | Purchase | NA | 7411945 | N/A | N/A |
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:11 | 2026-02-17 13:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-Documentation is embedded as part of the Mortgage document, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/11/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation is embedded as part of the Mortgage document, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  |  |  | FL | Investment | Purchase | NA | 7394493 | N/A | N/A |
| 305029977 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 14:18 | 2026-02-16 12:56 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Open-Audited FICO of 677 is less than Guideline FICO of 680 - Due Diligence Vendor-02/02/2026 |  | Waived-Client approved exception to purchase criteria. FICO within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026<br>|  |  | 10 months reserves | NC | Investment | Purchase | NA | 7404859 | Investor Post-Close | No |
| 305029965 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 14:05 | 2026-02-16 18:03 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Lender guideline page 24 indicate first time homebuyers are permitted. Lender matrix indicate first time investor is allowed with a min FICO of 680 and no housing late payments in the past 12 months. 700 FICO and VOR with no late payments meets lender guidelines. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please see attached guidelines as 1st time homebuyers are permitted. - Due Diligence Vendor-02/05/2026 <br>Open-Borrower is first home buyer as per GL First-time investors and home buyers are not eligible. - Due Diligence Vendor-01/27/2026 |  | Resolved-Lender guideline page 24 indicate first time homebuyers are permitted. Lender matrix indicate first time investor is allowed with a min FICO of 680 and no housing late payments in the past 12 months. 700 FICO and VOR with no late payments meets lender guidelines. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | FL | Investment | Purchase | NA | 7318043 | N/A | N/A |
| 305029958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 05:21 | 2026-01-27 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 7307865 | Investor Post-Close | No |
| 304909592 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 07:32 | 2026-02-18 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-A lender's loan approval for the subject transaction was received. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-UW Cond approval - Due Diligence Vendor-02/17/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/24/2026 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | AL | Investment | Refinance | No Cash Out - Borrower Initiated | 7282601 | N/A | N/A |
| 304876115 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 00:47 | 2026-02-26 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided, finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 <br>Ready for Review-1008 - Due Diligence Vendor-02/20/2026 <br>Open-Missing Approval/Underwriting Summary 1008 or other form of Loan Approval was not found in file. - Due Diligence Vendor-01/25/2026 |  | Resolved-1008 provided, finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026<br>| XXXXXXX_1.pdf |  |  | MI | Investment | Refinance | Cash Out - Other | 7283640 | N/A | N/A |
| 304911784 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-29 05:53 | 2026-03-02 12:13 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Business Purpose Affidavit | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/29/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/02/2026<br>|  |  |  | IN | Investment | Purchase | NA | 6827690 | Investor Post-Close | No |
| 304892101 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 09:02 | 2026-01-23 12:37 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Final Closing Disclosure for the recent purchase of the borrower's other real estate-owned property REO (XXXXXX XX) was received. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Closing CD for XXXX XXXXXX XX - Due Diligence Vendor-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements copy of the Note and/or Final Closing Disclosure was not provided for the recent purchase of the borrower's other real estate-owned property. REO (XXXX XXXXXX XX) - Due Diligence Vendor-01/16/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/23/2026<br>| XXXXXXX_1.pdf |  |  | TX | Investment | Purchase | NA | 7136765 | N/A | N/A |
| 305031497 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 14:43 | 2026-03-03 09:26 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Loan file contains 2 appraisals which meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Counter-The 2 appraisals provided were contained in the loan file. The appraisal review was not provided. Finding remains - Due Diligence Vendor-02/26/2026 <br> Ready for Review-02/24/2026 - XX: Please see attached. Two full appraisal were received for this transaction. - Due Diligence Vendor-02/24/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/16/2026 |  | Resolved-Loan file contains 2 appraisals which meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | OH | Investment | Purchase | NA | 7639986 | N/A | N/A |
| 304843836 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 14:34 | 2026-03-30 10:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-BusinessXX Purpose Affidavit provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-XX 2/23 Please see attached - Due Diligence Vendor-02/23/2026 <br> Counter-According to the XXX Underwiting Guide page 10 – General Requirements, a Borrower's certification of business purpose is required. According to the E-Sign Certificate in file – it appears borrower e-signed the Business Purpose disclosure on XX/XX/XXXX. A copy of the signed disclosure is missing. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/2 Business Purpose Certificate not required on consumer purpose loan. - Due Diligence Vendor-02/02/2026 <br> Counter-Audit has reviewed the lender's rebuttal and believes we are addressing two different requirements. We are requesting the Business Purpose & Occupancy Affidavit, not the Affiliated Business Disclosure. Condition remains for a copy of the Business Purpose and Occupancy Affidavit signed by the borrower. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-XX 1/29 Disagree - its only required when affiliated. Will you clear with and LOA stating there is no affiliations? - Due Diligence Vendor-01/29/2026 <br> Counter-A Business Purpose Affidavit as required by lender guidelines is missing. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-XX 1/22 The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file that have affiliated payees. - Due Diligence Vendor-01/22/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-01/20/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/23/2026<br>| XXXXXXX_1.pdf |  |  | NC | Investment | Purchase | NA | 7187227 | N/A | N/A |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:41 | 2026-01-30 10:59 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Audited Reserves of 33.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets of $XX,XXX.XX is insufficient for EMD of $XX,XXX and reserves of $X,XXX.XX. Funds are short for reserves by $XXXX.XX - Due Diligence Vendor-01/24/2026 |  | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXXXXXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Audited Reserves of 33.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2026 |  |  |  | IL | Investment | Purchase | NA | 7186064 | N/A | N/A |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:33 | 2026-01-30 10:59 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-01/30/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXXXXXXXX XXXX XXXXXXXX XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Verified assets of $XX,XXX.XX is insufficient for XXX of $XX,XXX and reserves of $X,XXX.XX. Funds are short for reserves by $XXXX.XX. - Due Diligence Vendor-01/24/2026 |  | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. Sufficient cash to close and reserves verified, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-01/30/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-01/30/2026 |  |  |  | IL | Investment | Purchase | NA | 7185932 | N/A | N/A |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 13:34 | 2026-01-30 10:58 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXX,XXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXX, XXXXXX, and XXXXXX), with only the amount needed for the subject loan applied. No additional documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Funds for closing are coming from a draw on the borrower's HELOC with XXXXXXXXX XXXX XXXXXXXX XXX. $XXX,XXX.XX was transferred directly to the settlement agent - Due Diligence Vendor-01/29/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XX,XXX.XX is insufficient for XXX of $XX,XXX and reserves of $X,XXX. Funds are short for reserves by $XXXX.XX - Due Diligence Vendor-01/24/2026 |  | Resolved-The borrower obtained a HELOC on their primary residence, and the HELOC proceeds were used for closing. A wire transfer confirms that $XXXXXXX originated from the HELOC lender. These funds were used to purchase all five properties (Subject, Main, XXXXXXX, XXXXXXX, and XXXXXXX), with only the amount needed for the subject loan applied. No additional documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-01/30/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | IL | Investment | Purchase | NA | 7185933 | N/A | N/A |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 17:55 | 2026-01-30 09:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit confirmed on the Initial Resolutions for XXXX XXXXXXX XXXXXXX XXXXX that they relinquished signing authority to XXXX XXXXXXXX XXX, which is fully owned by the borrower. Condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Please clarify why this is needed, loan was closed in XXXX XXXXXXXX XXX, which operating agreement was provided for - Due Diligence Vendor-01/29/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. Missing verification borrower has authority to sign on behalf of XXX entity. - Due Diligence Vendor-01/23/2026 |  | Resolved-Audit confirmed on the Initial Resolutions for XXXXXXX that they relinquished signing authority to XXXXXXX, which is fully owned by the borrower. Condition resolved. - Due Diligence Vendor-01/30/2026 |  |  |  | IL | Investment | Purchase | NA | 7281555 | N/A | N/A |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 18:26 | 2026-01-30 09:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final closing disclosures for all properties provided condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached CDs - Due Diligence Vendor-01/29/2026 <br> Open-1003 application indicates REO properties #3b, 3c, 3d and 3e with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REOS with new mortgages as reflected on the 1003 application is missing. - Due Diligence Vendor-01/24/2026 |  | Resolved-Final closing disclosures for all properties provided condition resolved. - Due Diligence Vendor-01/30/2026<br>| XXXXXXX_1.pdf |  |  | IL | Investment | Purchase | NA | 7281646 | N/A | N/A |
| 304893017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 08:37 | 2026-02-06 09:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/06/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/06/2026 <br> Ready for Review-XX 2/5: Please see the attached // - Due Diligence Vendor-02/05/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.<br> - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/06/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | LA | Primary Residence | Purchase | NA | 7436906 | N/A | N/A |
| 304911769 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 11:15 | 2026-01-05 08:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-. - Due Diligence Vendor-01/05/2026 <br> Resolved-Received Initial CD. Condition cleared. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-XX 1/2: Please see the attached // - Due Diligence Vendor-01/02/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-. - Due Diligence Vendor-01/05/2026 <br>Resolved-Received Initial CD. Condition cleared. - Due Diligence Vendor-01/05/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | NC | Primary Residence | Purchase | NA | 6763079 | N/A | N/A |
| 304892646 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 12:08 | 2026-01-29 09:47 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 <br> Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 <br> Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-12/19/2025 |  | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 | XXXXXXX_1.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 6708933 | N/A | N/A |
| 305029875 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 16:01 | 2026-02-17 17:53 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-According to the lender comments, previous lender mortgage history on credit report mortgage history was 0x30 thru XX/XXXX, mortgage was transferred on XX/XX/XXXX (servicing letter provided). - Due Diligence Vendor-02/17/2026 <br> Ready for Review-02/03/2026 - XX: Please see attached. The mortgage on XXXX XXXXXXXX XXXX XXXX XXX was initially being serviced by XXXXXXXXXX/XXXXXXXXX xXXXX, and the co-borrower's credit report confirms no 30 day lates from within the most recent 13 months. - Due Diligence Vendor-02/03/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete for borrower primary residence XXXX XXXXXXXX XXXX XXXX XXX - Due Diligence Vendor-01/23/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 7279417 | N/A | N/A |
| 305028199 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 11:24 | 2026-01-29 08:56 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-A copy of the XXXX Deed of Trust for XXX has been provided, confirming the borrower is on title. Condition resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-1/28 XX: See attached Deed of Trust showing borrower is not a XXXX - Due Diligence Vendor-01/28/2026 <br> Open-Evidence confirming the borrower is not a first-time homebuyer was not provided as first-time homebuyers are ineligible for the XXX product. Audit was unable to locate documentation showing the borrower is on title to the XXX property. - Due Diligence Vendor-01/23/2026 |  | Resolved-A copy of the XXXX Deed of Trust for XXXXXXX has been provided, confirming the borrower is on title. Condition resolved. - Due Diligence Vendor-01/29/2026 | XXXXXXX_1.pdf |  |  | TX | Investment | Purchase | NA | 7273583 | N/A | N/A |
| 305031573 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 13:46 | 2026-02-25 13:38 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy with sufficient coverage, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/25/2026 <br> Ready for Review-please see attached doc XX 2.19 - Due Diligence Vendor-02/19/2026 <br> Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-01/21/2026 |  | Resolved-Received final title policy with sufficient coverage, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/25/2026 | XXXXXXX_1.pdf |  |  | OK | Investment | Refinance | No Cash Out - Borrower Initiated | 7222693 | N/A | N/A |
| 304933513 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 15:06 | 2025-12-23 15:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/23/2025<br>|  |  |  | CA | Second Home | Refinance | No Cash Out - Borrower Initiated | 6771706 | Investor Post-Close | No |
| 305027220 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 11:21 | 2026-03-30 12:52 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br> Counter-Received DU, dated post-closing, with 45.78% approved DTI. Provide a lender exception allowing a post close DU report. Condition remains. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-01/27/2026 - XX: Please see the attached AUS findings reflecting a DTI of 45.78% - Due Diligence Vendor-01/27/2026 <br> Open-Audited DTI of 45.31% exceeds AUS DTI of 45% The AUS reflects an AUS DTI of 44.97% or max DTI of 45% with allowed tolerance. The audit calculated DTI is 45.31%. The Lender's 1003 reflects a DTI of 45.78% and the Lock Confirmation indicates loan was priced with DTI > 45%. - Due Diligence Vendor-01/21/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026<br>| XXXXXXX_1.pdf |  | Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CA | Primary Residence | Purchase | NA | 7212062 | Investor Post-Close | No |
| 305027220 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 11:25 | 2026-02-09 09:52 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br> Counter-Received DU, dated post-closing, with 45.78% approved DTI. Provide a lender exception allowing a post close DU report. Condition remains. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-01/27/2026 - XX: Please see the attached AUS findings reflecting a DTI of 45.78% - Due Diligence Vendor-01/27/2026 <br> Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/21/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026<br>| XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | 7212469 | Investor Post-Close | No |
| 304898877 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 22:27 | 2026-01-29 10:28 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 <br> Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 <br> Open-Title Coverage Amount of $XXXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXXX - Due Diligence Vendor-12/20/2025 |  | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 | XXXXXXX_1.pdf |  |  | CO | Investment | Purchase | NA | 6722109 | N/A | N/A |
| 304898877 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:40 | 2026-01-06 06:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-LCA with 1 score and Collateral R&W Relief Eligible, condition cleared. - Due Diligence Vendor-01/06/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-1/2 XX: According to the 30-Year Fixed - Pink Guidelines A secondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal. Acceptable options for a secondary valuation include: An acceptable CU/LCA score (completed by XXX) A XXX-obtained AVM A Collateral Desktop Analysis (CDA) from Clear Capital An exterior-only appraisal A field review A second full appraisal Please see attached SSR report that shows risk score of 1 low risk - Due Diligence Vendor-01/02/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/19/2025 |  | Resolved-LCA with 1 score and Collateral R&W Relief Eligible, condition cleared. - Due Diligence Vendor-01/06/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/06/2026<br>| XXXXXXX_1.pdf |  |  | CO | Investment | Purchase | NA | 6703489 | N/A | N/A |
| 304908623 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-04 11:03 | 2026-02-18 05:17 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage of $XXX,XXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Title policy - Due Diligence Vendor-02/11/2026 <br> Open-Title Coverage Amount of $XXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/04/2026 |  | Resolved-Title with coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | TN | Investment | Purchase | NA | 6907392 | N/A | N/A |
| 305027849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 11:42 | 2026-01-30 11:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final CD for the closing on XXXXXX XXXXXX provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached REO CD - Due Diligence Vendor-01/29/2026 <br> Open-1003 application indicate REO property #3l (XXXXXX XXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3l with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/24/2026 |  | Resolved-Final CD for the closing on XXXXXXX provided, condition resolved. - Due Diligence Vendor-01/30/2026 | XXXXXXX_1.pdf |  |  | IL | Investment | Purchase | NA | 7282993 | N/A | N/A |
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:15 | 2026-03-30 12:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026<br>|  |  | S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102451 | Investor Post-Close | No |
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:15 | 2026-03-30 12:53 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 <br> Resolved-Audited DTI of 45.39% is less than or equal to AUS DTI of 45.39% - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/26 XX: Please see attached AUS matching 45.39%. - Due Diligence Vendor-02/26/2026 <br> Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 <br> Open-Audited DTI of 45.39% exceeds AUS DTI of 45% The loan was approved under the Jumbo AUS program. The AUS reflects a DTI of 43.13% at the Note rate of 6.125%. The loan was qualified at the fully indexed rate of 6.75% resulting in a DTI of 45.39% which exceeds the maximum allowed DTI of 45%. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 <br>Resolved-Audited DTI of 45.39% is less than or equal to AUS DTI of 45.39% - Due Diligence Vendor-03/02/2026<br>| XXXXXXX_1.pdf |  | Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102461 | Investor Post-Close | No |
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:16 | 2026-03-30 12:53 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged-Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/26 XX: Please see main condition appeal. - Due Diligence Vendor-02/26/2026 <br> Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 <br> Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026<br>|  |  | Received an updated DU dated post-closing. Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102462 | Investor Post-Close | No |
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 20:37 | 2026-03-30 12:52 | Acknowledged | 2 - Non-Material | Compliance | QM-ATR | ATR Risk - Qualifying Monthly PI Payment does not meet requirements | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 <br> Resolved-ATR Risk - Qualifying Monthly PI Payment meets requirements - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/26 XX: Please see main condition appeal. - Due Diligence Vendor-02/26/2026 <br> Counter-Audit used the same index of 4.009%. The Loan approval and 1008 show the same DTI as Opus, 45.39%, using a qualifying rate of 6.75%. Provide the DU that matches the Loan approval and 1008. Condition remains. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XX 2/6 disagree - we are using a valid index within the 45 day lookback period from the Note Date. Index pulled from XX/XX/XXXX is 4.009%. - Due Diligence Vendor-02/06/2026 <br> Open-ATR Risk - Qualifying Monthly PI Payment does not meet requirements The AUS reflects a DTI of 43.13% at the Note rate of 6.125%. However, the DTI at the fully indexed rate of 6.75% is 45.39%, this exceeds the maximum DTI of 45% allowed per AUS. Note that the Lender's 1008 reflects the higher DTI of 45.386%, the loan is also priced at DTI > 45%. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-03/02/2026 <br>Resolved-ATR Risk - Qualifying Monthly PI Payment meets requirements - Due Diligence Vendor-03/02/2026<br>|  |  | Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7102606 | Investor Post-Close | No |
| 304909608 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 17:08 | 2026-02-18 05:21 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Oct statement received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/11/26 - XX: Please see attached. - Due Diligence Vendor-02/11/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per lender guidelines, assets must be sourced and seasoned for a minimum of 60 days. The file is missing two consecutive months of bank statements for the account ending in XXXX—only one month was provided. Without the additional statements, the borrower is short on cash to close and required reserves. - Due Diligence Vendor-01/20/2026 |  | Resolved-Oct statement received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | WY | Investment | Purchase | NA | 7191481 | N/A | N/A |
| 305024994 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 16:57 | 2026-02-17 18:19 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage of $XXXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Title Policy - Due Diligence Vendor-02/05/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX Policy requires title coverage to be at least the original principal amount of the subject loan - Due Diligence Vendor-12/22/2025 |  | Resolved-Title with coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | NJ | Investment | Refinance | Cash Out - Other | 6747661 | N/A | N/A |
| 304909898 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 13:05 | 2026-01-31 15:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. - Due Diligence Vendor-01/31/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/31/2026 <br> Ready for Review-XX 1/30: Please see the attached // - Due Diligence Vendor-01/30/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/25/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/25/2026 |  | Resolved-Received the Initial CD. - Due Diligence Vendor-01/31/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/31/2026<br>| XXXXXXX_1.pdf |  |  | CO | Primary Residence | Purchase | NA | 7284631 | N/A | N/A |
| 305012457 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 10:45 | 2026-02-07 18:54 | Acknowledged | 2 - Non-Material | Credit | Closing | Invalid AUS | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-02/05/2026 - XX: AUS has only been configured to account for the initial interest rate of 6.125% However, the borrower was qualified with a DTI of 45.68 per the attached approval letter. Revised AUS findings reflecting an interest rate of 6.875% cannot be provided. - Due Diligence Vendor-02/05/2026 <br> Open-The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file reflects issues with DTI. - Due Diligence Vendor-01/29/2026 |  | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026<br>| XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7353717 | Investor Post-Close | No |
| 305012457 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 10:42 | 2026-02-07 18:53 | Acknowledged | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 <br> Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 48.68%. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-02/05/26 - XX: Please see attached. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-02/05/2026 - XX: AUS has only been configured to account for the initial interest rate of 6.125% However, the borrower was qualified with a DTI of 45.68 per the attached approval letter. Revised AUS findings reflecting an interest rate of 6.875% cannot be provided. - Due Diligence Vendor-02/05/2026 <br> Open-Audited DTI of 45.73% exceeds AUS DTI of 45% DTI variance due to qualifying rate of 6.875%. This is confirmed from the Lender's 1008. The Lock Confirmation also confirms that the loan was priced with DTI > 45. - Due Diligence Vendor-01/29/2026 |  | Acknowledged- Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/08/2026 <br>Resolved-Audited DTI of 45.73% is less than or equal to AUS DTI of 48.68%. - Due Diligence Vendor-02/08/2026<br>| XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf |  |  | AZ | Primary Residence | Purchase | NA | 7353572 | Investor Post-Close | No |
| 305026137 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 06:15 | 2026-02-02 10:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/02/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7393462 | Investor Post-Close | No |
| 305042302 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 16:22 | 2026-02-18 11:35 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Property detail report for the subject property indicates no open liens or mortgages. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/16 XX: Please see attached open lien report that shows XXX XXXXX XXXX XXXX XXXXXXXXX,XXXXXXX XXXXX does not have a mtg associated. There is not VOM to provide. - Due Diligence Vendor-02/16/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM for Subject Property is missing. - Due Diligence Vendor-02/05/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 7477612 | N/A | N/A |
| 305026117 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-18 14:35 | 2026-02-18 12:12 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | 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 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-An updated hazard insurance with an effective date of XX/XX/XXXX was received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: See attached insurance policy - Due Diligence Vendor-02/17/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-01/18/2026 |  | 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 - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | OK | Investment | Purchase | NA | 7156639 | N/A | N/A |
| 305038043 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 09:31 | 2026-03-03 13:43 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender's guidelines indicate that retirement accounts do not need to be liquidated if the value of the account is at least 20% more than the amount of funds needed for down payment and closing costs. Asset documentation in file is sufficient, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-03/03/2026 - XX: $XXX,XXX of the funds held in the borrower's retirement account via XXXXXXX were utilized to satisfy both the cash to close and reserve requirement. Page #14 of the agreed upon guidelines as of XX/XX/XXXX between XXX and XXX does not state that accounts can only be utilized for reserves. - Due Diligence Vendor-03/03/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Asset documentation is not available in file. The 401k statements are in the loan file verifying sufficient assets for reserves; however, the asset documentation for closing costs was not in the loan file. The 1003 and 1008 reflect an account used in qualification for closing costs which was not found in the loan file. There is also a LOE in file from the Borrower indicating money being transferred to this account for the closing of the loan. Please provide the bank statements for the account used for closing costs. - Due Diligence Vendor-02/13/2026 |  | Resolved-Lender's guidelines indicate that retirement accounts do not need to be liquidated if the value of the account is at least 20% more than the amount of funds needed for down payment and closing costs. Asset documentation in file is sufficient, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/03/2026<br>|  |  |  | NC | Investment | Purchase | NA | 7608830 | N/A | N/A |
| 305032249 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 05:17 | 2026-02-25 15:12 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final Closing Disclosures provided for recent purchases of REO properties 3e, 3f, 3g and 3h. Finding resolved - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/19 XX: Please see attached notes from the following properties - Due Diligence Vendor-02/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the recent Purchase of the borrower's other real estate-owned property (1003 application reflect 4 REO properties #3e, 3f, 3g, 3h) - Due Diligence Vendor-02/13/2026 |  | Resolved-Final Closing Disclosures provided for recent purchases of REO properties 3e, 3f, 3g and 3h. Finding resolved - Due Diligence Vendor-02/25/2026<br>| XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |  |  | IL | Investment | Purchase | NA | 7603100 | N/A | N/A |
| 305032246 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 05:53 | 2026-02-26 12:08 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of Notes received for REO 3e,3f,3g,3h reflecting all liens opened XX/XX/XXXX therefore no housing history available. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-2/19 XX: Please see attached notes from the following properties - Due Diligence Vendor-02/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the recent Purchase of the borrower's other real estate-owned property (1003 application reflect 4 REO properties #3e, 3f, 3g, 3h) - Due Diligence Vendor-02/13/2026 |  | Resolved-Copies of Notes received for REO 3e,3f,3g,3h reflecting all liens opened XX/XX/XXXX therefore no housing history available. Finding resolved. - Due Diligence Vendor-02/26/2026 | XXXXXXX_1.pdf XXXXXXX_1.pdf XXXXXXX_2.pdf XXXXXXX_3.pdf |  |  | IL | Investment | Purchase | NA | 7603955 | N/A | N/A |
| 305027335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 07:37 | 2026-02-17 18:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final CD and copy of Note for REO property #3b was received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/04/2026 - XX: Please see attached. - Due Diligence Vendor-02/04/2026 <br> Open-1003 application indicate REO property #3b (XXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3b with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/28/2026 |  | Resolved-Final CD and copy of Note for REO property #3b was received. - Due Diligence Vendor-02/18/2026<br>| XXXXXXX_1.pdf XXXXXXX_2.pdf |  |  | AL | Investment | Purchase | NA | 7327129 | N/A | N/A |
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 11:35 | 2026-03-27 06:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Evidence of Good Standing for business entity was provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-2/18 XX: Please see attached documents - Due Diligence Vendor-02/18/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/12/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7587154 | N/A | N/A |
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 11:35 | 2026-03-27 06:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Borrowing Entity Tax ID was provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-2/18 XX: Please see attached documents - Due Diligence Vendor-02/18/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7587155 | N/A | N/A |
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-18 19:07 | 2026-02-25 12:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating Agreement including borrower's percentage of ownership along with XXXXXXXXXX XXXXXXXXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/19 XX: Please see attached documents. - Due Diligence Vendor-02/19/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. An Operating Agreement required per lender guidelines is missing. For Multi-member entities a Corporate Resolution is also required. - Due Diligence Vendor-02/19/2026 |  | Resolved-Received Operating Agreement including borrower's percentage of ownership along with Corporate Resolution. Finding resolved. - Due Diligence Vendor-02/25/2026<br>| XXXXXXX_1.pdf <br> XXXXXXX_2.pdf <br> XXXXXXX_3.pdf |  |  | OH | Investment | Purchase | NA | 7688868 | N/A | N/A |
| 305028138 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 19:07 | 2026-02-02 09:09 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved- Two full months of bank statements provided for the requested account, condition resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/02/2026 <br> Ready for Review-1/30 XX: Please see 2 months bank statements from borrowers account ending in XXXX - Due Diligence Vendor-01/30/2026 <br> Counter-Audit has reviewed the bank statements provided; however, they are from the estate account. Per the attorney's letter, funds from the estate account cannot be used by the borrower. Funds must be transferred into her personal account. Condition remains pending two consecutive months of bank statements for the borrower's personal account as only a printout dated XX/XX/XXXX–XX/XX/XXXX was provided. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: Please see attached 2 months and transaction statement - Due Diligence Vendor-01/27/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements According to lender guidelines, assets must be sourced and seasoned for 60 days (2 months). Audit was only able to locate a printout dated XX/XX/XXXX–XX/XX/XXXX for the borrower's personal account (not the estate account). Please provide two consecutive months of bank statements for borrower's personal account. - Due Diligence Vendor-01/22/2026 |  | Resolved- Two full months of bank statements provided for the requested account, condition resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/02/2026<br>| XXXXXXX_1.pdf <br> XXXXXXX_2.pdf <br> XXXXXXX_3.pdf XXXXXXX_1.pdf <br> XXXXXXX_2.pdf <br> XXXXXXX_3.pdf |  |  | MO | Investment | Purchase | NA | 7229666 | N/A | N/A |
| 305045976 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 15:33 | 2026-03-04 16:45 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Copies of Notes and Closing Disclosures received reflecting first payment due dates of XX/XX/XXXX. - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/2026 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing mortgage payment history for REO 3c and 3d. - Due Diligence Vendor-02/27/2026 |  | Resolved-Copies of Notes and Closing Disclosures received reflecting first payment due dates of XX/XX/XXXX . - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 | XXXXXXX_1.pdf <br> XXXXXXX_2.pdf <br> XXXXXXX_3.pdf <br> XXXXXXX_4.pdf  |  |  | OH | Investment | Refinance | Cash Out - Other | 7852100 | N/A | N/A |
| 305037881 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 09:27 | 2026-03-02 09:19 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/27 XXX: Please note that the final CD that was provided in the loan file confirms that the property was free and clear prior to the mortgage with XXX XXXXXXXX XXX, as page 3 shows there was no prior mortgage paid off in the refinance. Please also see the attached property report to show there was no mortgage at the initial acquisition of the property in XXXX. - Due Diligence Vendor-02/27/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete for primary residence as per GL 12 months required. If property was free and clear prior to refinance, missing evidence of free and clear. - Due Diligence Vendor-02/05/2026 |  | Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026<br>| XXXXXXX_1.pdf |  |  | PA | Investment | Purchase | NA | 7464693 | N/A | N/A |
| 305037881 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-23 17:58 | 2026-03-02 09:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/27 XXX: Please see the attached CD for the property at XX XXXXXXXX XX. - Due Diligence Vendor-02/27/2026 <br> Open-1003 application indicate REO properties #3c with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REO (XXX) reflected on the 1003 application is missing. - Due Diligence Vendor-02/23/2026 |  | Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026<br>| XXXXXXX_1.pdf |  |  | PA | Investment | Purchase | NA | 7767321 | N/A | N/A |
| 305033685 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 12:48 | 2026-02-24 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026<br>|  |  |  | NY | Investment | Purchase | NA | 7782676 | Investor Post-Close | No |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:05 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  |  |  | CO | Primary Residence | Purchase | NA | 7277996 | N/A | N/A |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:04 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Acknowledged-CHARM Booklet date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Acknowledged-CHARM Booklet date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  |  |  | CO | Primary Residence | Purchase | NA | 7278007 | N/A | N/A |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:35 | 2026-01-27 13:03 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 the loan application from XX/XX was for a different loan (XXXXXXXXXX) which was denied. Please see the attached 1003 from loan XXXXXXXXX and denial letter from XX/XX. On XX/XX loan XXXXXXXXXX was created due to the denial of XXXXXXXXXX and a loan application went out to the borrower on the same day. - Due Diligence Vendor-01/27/2026 <br> Open-ARM Disclosuret date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/27/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | CO | Primary Residence | Purchase | NA | 7278003 | N/A | N/A |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of scope, finding rescinded. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of scope, finding rescinded. - Due Diligence Vendor-01/23/2026 |  |  |  | CO | Primary Residence | Purchase | NA | 7277837 | N/A | N/A |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Ready for ReviewXX 1/27 the loan application from XX/XX was for a different loan (XXXXXXXXXX) which was denied. Please see the attached 1003 from loan XXXXXXXXXX and denial letter from XX/XX. On XX/XX loan XXXXXXXXXX was created due to the denial of XXXXXXXXXX and a loan application went out to the borrower on the same day. - Due Diligence Vendor-01/27/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-01/23/2026 |  | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | CO | Primary Residence | Purchase | NA | 7277836 | N/A | N/A |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 14:22 | 2026-01-27 13:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/27/2026 <br> Open-. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received LOX for app date. Condition cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/27/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |  |  |  | CO | Primary Residence | Purchase | NA | 7277835 | N/A | N/A |
| 305044906 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-20 07:23 | 2026-03-04 15:54 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Payment history received for subject property, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/26 - XX: Please see the attached VOM from XXX XXXXXXXXX. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/26 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A 12 month verification of mortgage for the subject property is missing. - Due Diligence Vendor-02/27/2026 |  | Resolved-Payment history received for subject property, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf<br> XXXXXX_1.pdf |  |  | NY | Investment | Refinance | Cash Out - Other | 7717509 | N/A | N/A |
| 305033593 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:45 | 2026-02-03 07:25 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Document provided shows borrower owned REO from XXXX-XXXX, XXXXX flag cleared. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: Please see attached document that shows the borrower has owned a property in XXXX and is not a first homebuyer. - Due Diligence Vendor-02/02/2026 <br> Open-Loan file only contains evidence of experience for 0 properties which is below the guideline minimum. The borrower is considered to be a First Time Homebuyer due to currently living rent free and no evidence of any previous or current property ownership provided in the loan file. - Due Diligence Vendor-01/27/2026 |  | Resolved-Document provided shows borrower owned REO from XXXX-XXXX , FTHB flag cleared. - Due Diligence Vendor-02/03/2026 | XXXXXX_1.pdf |  |  | IL | Investment | Purchase | NA | 7317748 | N/A | N/A |
| 305047273 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 13:51 | 2026-02-27 08:11 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Commitment with sufficient coverage, finding resolved. - Due Diligence Vendor-02/27/2026 <br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX.XX - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Title Commitment - Due Diligence Vendor-02/26/2026 <br> Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-02/11/2026 |  | Resolved-Received Title Commitment with sufficient coverage, finding resolved. - Due Diligence Vendor-02/27/2026 <br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-02/27/2026 | XXXXXX_1.pdf |  |  | AL | Investment | Refinance | Cash Out - Other | 7566272 | N/A | N/A |
| 305042049 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 11:53 | 2026-02-25 13:16 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-Secondary valuation was received, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/19 XX: According to the XXX 30-Year Fixed - Pink Guidelines A secondary valuation, in addition to the initial appraisal, is required on all loans. This secondary valuation cannot be more than 10% less than the initial appraisal.<br>Acceptable options for a secondary valuation include:<br> An acceptable CU/LCA score (completed by XXX)<br>Please see attached copy of the SSR report that shows LCS risk score of 2 indicating low risk. - Due Diligence Vendor-02/19/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/13/2026 |  | Resolved-Secondary valuation was received, finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/25/2026<br>| XXXXXX_1.pdf |  |  | DE | Investment | Purchase | NA | 7613065 | N/A | N/A |
| 305031288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 10:26 | 2026-03-03 17:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of signed Note and final Closing Disclosure for REO property 3b, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-03/03/26 - XX: Please see attached. - Due Diligence Vendor-03/03/2026 <br> Open-REO property #3b (XXX X XXXXXXXX) has a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3b is missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received copy of signed Note and final Closing Disclosure for REO property 3b, finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | AL | Investment | Purchase | NA | 7824435 | N/A | N/A |
| 305031288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 10:27 | 2026-03-03 17:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Tax Cert | Resolved-Lender's guidelines allow the use of 1.5% of the appraised value to calculate property taxes on new construction, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-03/03/26 - XX: A tax cert is not yet available for the subject property. The subject property is a new construction, and the investor guidelines states the lender is required to calculate property taxes at 1.5% of the appraised value. Please see the revised 1003 and 1008 reflecting monthly property taxes of $XXX.XX. - Due Diligence Vendor-03/03/2026 <br> Open-Lender included $XXX.XX per month for property taxes. Missing copy of tax cert to validate taxes utilized. - Due Diligence Vendor-02/26/2026 |  | Resolved-Lender's guidelines allow the use of 1.5% of the appraised value to calculate property taxes on new construction, finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | AL | Investment | Purchase | NA | 7824462 | N/A | N/A |
| 305046018 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 04:17 | 2026-02-18 12:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-A copy of the Note for new mortgages with the lender for REO # 3d and #3e was received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: Please see attached copies of the notes for the following properties - Due Diligence Vendor-02/17/2026 <br> Open-1003 application indicates REO properties #3d and #3e with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3d and #3e with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/06/2026 |  | Resolved-A copy of the Note for new mortgages with the lender for REO # 3d and #3e was received. - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | IL | Investment | Purchase | NA | 7483656 | N/A | N/A |
| 305047920 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 08:48 | 2026-03-04 14:06 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received hazard insurance with effective date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/04/2026 <br> 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 - Due Diligence Vendor-03/04/2026 <br> Ready for Review-3/4 XX: The previous document states that the policy period are from XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-03/04/2026 <br> Counter-Document provided matches doc from the original loan file showing an effective date of XX/XX/XXXX which is after the disbursement date of XX/XX/XXXX. Finding remains - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XX: Please see attached document - Due Diligence Vendor-03/02/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/11/2026 |  | Resolved-Received hazard insurance with effective date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/04/2026 <br> 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 - Due Diligence Vendor-03/04/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 7558429 | N/A | N/A |
| 305036274 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 18:28 | 2026-03-03 14:28 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation in file confirms property on XXXXX XXXXX was closed in the name of an XXX in XX/XXXX. File meets guidelines, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XX: Please see attached open lien report that shows the new purchase is in the name of the XXX. Since this is a XXX loan the new REO PITIA would not impact the ratios. - Due Diligence Vendor-03/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the borrower's recent acquisition of the property located on XXXXX XX. - Due Diligence Vendor-02/25/2026 |  | Resolved-Documentation in file confirms property on XXXXXXX was closed in the name of an XXXXXXX in XX/XX/XXXX. File meets guidelines, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/03/2026 | XXXXXX_1.pdf |  |  | FL | Investment | Purchase | NA | 7789399 | N/A | N/A |
| 305033734 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 17:19 | 2026-03-04 15:34 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Gift funds verified via Closing Disclosure and copy of wire. Although actual gift funds were lower than reflected on the gift letter, documentation meets guidelines. Finding resolved - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/2026 - XX: Please see the attached wire receipt reflecting receipt of $XXX. Though the provided gift letter reflects $XX,XXX, a revised gift letter was not obtained or required due to the title company receiving less than that amount. - Due Diligence Vendor-03/04/2026 <br> Open-Gift Documentation Incomplete. The Gift Letter reflects a Gift of $XX,XXX while the Final Closing Disclosure reflects a gift of $XX,XXX. - Due Diligence Vendor-02/27/2026 |  | Resolved-Gift funds verified via Closing Disclosure and copy of wire. Although actual gift funds were lower than reflected on the gift letter, documentation meets guidelines. Finding resolved - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf |  |  | MI | Investment | Purchase | NA | 7853231 | N/A | N/A |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:33 | 2026-02-16 10:05 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-This finding was cleared 2/12/2026. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-XX 2/13: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/13/2026 <br> Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date missing is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |  | Resolved-This finding was cleared XX/XX/XXXX. - Due Diligence Vendor-02/16/2026 <br> Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date missing is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |  |  |  | KS | Primary Residence | Purchase | NA | 7519349 | N/A | N/A |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:04 | 2026-02-12 14:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |  |  |  | KS | Primary Residence | Purchase | NA | 7518618 | N/A | N/A |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:04 | 2026-02-12 14:46 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX and disclosed XX/XX/XXXX when all 6 pieces of information were received. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the incorrect Application date and should be XX/XX/XXXX - Due Diligence Vendor-02/12/2026 <br> Open-The Initial Disclosure Date (XXXX/XX/XX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/12/2026<br>|  |  |  | KS | Primary Residence | Purchase | NA | 7518619 | N/A | N/A |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 07:15 | 2026-02-11 07:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026<br>|  |  |  | KS | Primary Residence | Purchase | NA | 7556188 | Investor Post-Close | No |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:37 | 2026-02-09 11:50 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026<br>|  |  |  | KS | Primary Residence | Purchase | NA | 7519439 | Investor Post-Close | No |
| 305044593 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 12:09 | 2026-03-04 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Gift letters and proof of receipt of gift funds provided for $X,XXX gift and $XX,XXX gift. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/2026 - XX: Please see the attached gift letters and proof of receipt from title. - Due Diligence Vendor-03/04/2026 <br> Open-Gift Documentation Incomplete. The Gift Letter for the $X,XXX gift is missing. The Gift Letter and Proof of receipt for the $XX,XXX gift are missing. - Due Diligence Vendor-02/27/2026 |  | Resolved-Gift letters and proof of receipt of gift funds provided for $XXXXX gift and $XXXXX gift. Finding resolved. - Due Diligence Vendor-03/04/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf |  |  | MD | Investment | Purchase | NA | 7848330 | N/A | N/A |
| 305051367 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-28 07:45 | 2026-03-04 09:58 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided copy of Note for XXXXXXX XXXXXX property showing the first payment due XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-3/4 XX: Please note that payment history cannot be provided on the property at XXXX XXXXXX XXXXXX because the property was just recently purchased and note date of XX/XX/XXXX. The first payment date is not due until XX/XX/XXXX. Please see attached note for purchase. - Due Diligence Vendor-03/04/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines require evidence of payment history on any mortgage loans disclosed by the borrower. Despite this requirement, borrowed disclosed ownership of a XXXXXX XXXXXX property with an open mortgage. The was no evidence in the file that this property was not owned by the borrower, therefore a mortgage history is required which was not provided. - Due Diligence Vendor-02/28/2026 |  | Resolved-Lender provided copy of Note for XXXXX property showing the first payment due XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 | XXXXXX_1.pdf |  |  | PA | Investment | Purchase | NA | 7855880 | N/A | N/A |
| 305057543 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-03 11:29 | 2026-03-03 11:53 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Subject is zoned "mixed use", per lender guidelines not allowed. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/03/2026 |  | Waived-Property type is ineligible due to Subject is zoned "mixed use", per lender guidelines not allowed. . Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/03/2026<br>|  |  | 75% LTV<br> DSCR 1.23<br> Fico 769<br> Reserves $XXXXXXX (3 months = $XXXXXX + XXXXXXX surplus) | TX | Investment | Purchase | NA | 7899527 | Originator Pre-Close | Yes |
| 305051363 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-20 10:47 | 2026-03-20 10:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | WI | Investment | Purchase | NA | 8241260 | Investor Post-Close | No |
| 305013675 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 08:31 | 2026-02-17 18:14 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Foundation inspection received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/18/2026 <br>Ready for Review-foundation Assessment - Due Diligence Vendor-02/05/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/20/2026 |  | Resolved-Foundation inspection received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7177954 | N/A | N/A |
| 305040605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 09:39 | 2026-03-30 19:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 <br>Ready for Review-good standing - Due Diligence Vendor-03/04/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/12/2026 |  | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7583663 | N/A | N/A |
| 305040605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 09:39 | 2026-03-30 19:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Evidence of Tax ID received, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-XXXXXX XXXX is formed under an SSN. No EIN as per UW email attached. - Due Diligence Vendor-03/04/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/12/2026 |  | Resolved-Evidence of Tax ID received, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7583664 | N/A | N/A |
| 304909918 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 06:21 | 2026-03-30 12:30 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Good standing within 30 days received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-good standings - Due Diligence Vendor-02/04/2026 <br> Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Lender guidelines require certificate of good standing within 30 days of closing. Copy in file is 43 days from closing. - Due Diligence Vendor-01/24/2026 |  | Resolved-Good standing within 30 days received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-02/17/2026 | XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7282529 | N/A | N/A |
| 304909918 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 06:43 | 2026-02-17 18:02 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 with lender DSCR received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-1008 - Due Diligence Vendor-02/04/2026 <br>Open-Missing Approval/Underwriting Summary File is missing the lender's DCSR calculation worksheet. Per lender's guidelines, DSCR loan files must include documentation detailing the debt service coverage ratio. - Due Diligence Vendor-01/24/2026 |  | Resolved-1008 with lender DSCR received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7282548 | N/A | N/A |
| 305028183 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 11:35 | 2026-01-29 10:06 | Resolved | 1 - Information | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Loan approval provided. - Due Diligence Vendor-01/29/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-AUS attached - Due Diligence Vendor-01/28/2026 <br>Open-Missing Approval/Underwriting Summary File is missing lender approval and DSCR worksheet. Lender guidelines require the DSCR calculation to be in the file. - Due Diligence Vendor-01/23/2026 |  | Resolved-Loan approval provided. - Due Diligence Vendor-01/29/2026 <br>Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/29/2026<br>| XXXXXX_1.pdf |  |  | KS | Investment | Purchase | NA | 7273878 | N/A | N/A |
| 305044958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-27 17:48 | 2026-03-27 17:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026<br>|  |  |  | KS | Investment | Refinance | Cash Out - Other | 8369936 | Investor Post-Close | No |
| 305044958 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 06:55 | 2026-02-25 12:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Received borrowing entity tax ID, finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Missing Borrowing Entity Tax ID -- Missing Borrowing Entity Tax ID.,Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/19/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/16/2026 |  | Resolved-Received borrowing entity tax ID, finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/25/2026<br>| XXXXXX_1.pdf |  |  | KS | Investment | Refinance | Cash Out - Other | 7629907 | N/A | N/A |
| 305034604 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 04:06 | 2026-02-18 12:39 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | 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 - Due Diligence Vendor-02/18/2026 <br> Ready for Review-A hazard insurance policy for the subject property with a policy period from XX/XX/XXXX to XX/XX/XXXX was received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: Please see attached document that shows policy from XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-02/17/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXX - Due Diligence Vendor-02/04/2026 |  | 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 - Due Diligence Vendor-02/18/2026 | XXXXXX_1.pdf |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 7431452 | N/A | N/A |
| 304898188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 14:51 | 2026-03-03 16:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final Closing Disclosures received for REO properties 3b and 3c. Documentation provided for REO properties 3a and 3d though 3j showing loans have been approved but are pending. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-03/03/2026 - XX: Please see attached. The only loans that have closed are XXXX X XXXX and XXXX XXXXXXXX XXX. All other files have not been cleared to close. - Due Diligence Vendor-03/03/2026 <br> Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs a new mortgage as reflected on the 1003 application is missing. (XXXX X XXXX XX, XXXX XXXX XX, XXXX XXXXXXX, XXXX XXXXXXX, XXXX X XXXX XX, XXXX X XXXX XX, XXXX X XXXX XX and XXXX XXXXXX XXX.) - Due Diligence Vendor-02/26/2026 |  | Resolved-Final Closing Disclosures received for REO properties 3b and 3c. Documentation provided for REO properties 3a and 3d though 3j showing loans have been approved but are pending. Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br> XXXXXX_7.pdf<br> XXXXXX_8.pdf<br> XXXXXX_9.pdf<br> XXXXXX_10.pdf |  |  | OH | Investment | Purchase | NA | 7831067 | N/A | N/A |
| 304898188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 04:42 | 2026-03-03 15:47 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-03/03/26 - XX: Please see attached. - Due Diligence Vendor-03/03/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/16/2026 |  | Resolved-Secondary valuation received, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7628364 | N/A | N/A |
| 304874817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 16:54 | 2026-02-18 10:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/4 XX: This was not reflected on the final 1003, borrower does not own this property. - Due Diligence Vendor-02/04/2026 <br> Counter-The full address is XXXX XXXXXX XXXX, XXXXXXXXX XX - reflected on the initial 1003 dated XX/XX/XXXX as property 3c. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Please clarify full address of the REO in question, 1003 did not include any REOs on XXXXXXX XX and we are unsure where this is coming from - Due Diligence Vendor-01/29/2026 <br> Open-Missing evidence REO XXXXXXX XX is owned free and clear. - Due Diligence Vendor-01/25/2026 |  | Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026<br>|  |  |  | OK | Investment | Refinance | Cash Out - Other | 7287129 | N/A | N/A |
| 304874817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-25 16:53 | 2026-01-30 14:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The Closing Disclosures for all five recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached CDs - Due Diligence Vendor-01/29/2026 <br> Open-1003 application indicates REO properties # 3c, 3d, 3e, 3f, and 3g with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REOS with new mortgages as reflected on the 1003 application is missing. - Due Diligence Vendor-01/25/2026 |  | Resolved-The Closing Disclosures for all five recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026<br>| XXXXXX_1.pdf |  |  | OK | Investment | Refinance | Cash Out - Other | 7287126 | N/A | N/A |
| 304874815 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 06:06 | 2026-02-03 06:03 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: The UW has 6 total loans in process with XXX including the subject property. Please see the additional 5 mtg notes for the other properties. - Due Diligence Vendor-02/02/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The borrower has 6 total loans in process with the lender per the URLA in file. Provide a final CD/Note for all new loans. - Due Diligence Vendor-01/27/2026 | Verified 5 additional REOs closed with the lender, condition cleared. - 02/03/2026 <br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br>|  |  | OK | Investment | Refinance | Cash Out - Other | 7308159 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:16 | 2026-02-02 15:48 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094004 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:17 | 2026-02-02 15:46 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 <br> Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX but not disclosed until XX/XX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 <br> Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX so we can further assist, earliest signature is XX/XX - Due Diligence Vendor-01/15/2026 <br> Open-The CHARM Booklet date of XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/14/2026 |  | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094059 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:16 | 2026-02-02 15:45 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026 <br> Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 <br> Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX so we can further assist, earliest signature is XX/XX - Due Diligence Vendor-01/15/2026 <br> Open-The ARM Disclosure date of 1XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-01/14/2026 |  | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/02/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094011 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:11 | 2026-02-02 15:45 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-XX 2/2 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/02/2026 <br> Counter-The lock confirmation with created date XX/XX/XXXX reflects an application date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15: Please clarify the docID of the loan app reflecting XX/XX/XXXX so we can further assist, earliest signature is XX/XX/XXXX - Due Diligence Vendor-01/15/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093913 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:11 | 2026-02-02 15:44 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-Received app date LOX. Condition cleared. - Due Diligence Vendor-02/02/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093912 | N/A | N/A |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 14:10 | 2026-01-14 14:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093877 | Investor Post-Close | No |
| 304907215 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 07:42 | 2026-01-29 10:15 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/29/2026 <br> Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 <br> Open-Title Coverage Amount of $XXXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-12/22/2025 |  | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-01/29/2026 | XXXXXX_1.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 6731710 | N/A | N/A |
| 304909623 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 05:20 | 2026-01-14 17:50 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Verified Appraiser License with the State of Colorado Division of Real Estate; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/13 XX: The appraiser's license shows active from XX/XX/XXXX-XX/XX/XXXX. The appraisal was completed XX/XX/XXXX. The license was active at the time of completion. - Due Diligence Vendor-01/13/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/03/2026 |  | Resolved-Verified Appraiser License with the State of Colorado Division of Real Estate; condition resolved. - Due Diligence Vendor-01/14/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | 6905537 | N/A | N/A |
| 305023781 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 11:30 | 2026-02-18 05:25 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage of $XX,XXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Title Policy - Due Diligence Vendor-02/11/2026 <br> Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX.XX - Due Diligence Vendor-01/20/2026 |  | Resolved-Title coverage of $XXXXXXX received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/18/2026 | XXXXXX_1.pdf |  |  | MI | Investment | Purchase | NA | 7182992 | N/A | N/A |
| 304896389 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 05:48 | 2026-02-08 16:53 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Document provided. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-02/03/26 - XX: Please see attached. - Due Diligence Vendor-02/03/2026 <br> Open-Missing Mortgage Riders – PUD Rider .Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/18/2025 |  | Resolved-Document provided. - Due Diligence Vendor-02/08/2026<br>| XXXXXX_1.pdf |  |  | AR | Investment | Purchase | NA | 6679825 | N/A | N/A |
| 304898410 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 18:42 | 2026-02-17 18:23 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Warranty Deed received and cleared. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/6 XX: See attached deed - Due Diligence Vendor-02/06/2026 <br> Open-Warranty deed for the subject property from XXX XXXXXXXXXX to XXXXXXX XXXX XXXXXX is missing. - Due Diligence Vendor-01/27/2026 |  | Resolved-Warranty Deed received and cleared. - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 7305272 | N/A | N/A |
| 304898410 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 18:42 | 2026-01-30 14:43 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Hazard Insurance Declaration | Resolved-Hazard insurance premium provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached confirmation of premium - Due Diligence Vendor-01/29/2026 <br> Open-All pages of the hazard insurance were not provided. Missing hazard insurance premium. - Due Diligence Vendor-01/27/2026 |  | Resolved-Hazard insurance premium provided, condition resolved. - Due Diligence Vendor-01/30/2026<br>| XXXXXX_1.pdf |  |  | LA | Investment | Refinance | No Cash Out - Borrower Initiated | 7305271 | N/A | N/A |
| 305030936 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 13:42 | 2026-02-12 15:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX- Due Diligence Vendor-02/12/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure.<br> - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/12/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | CA | Primary Residence | Purchase | NA | 7522518 | N/A | N/A |
| 304909819 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 09:32 | 2026-01-30 14:54 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower's recent acquisitions of the three additional properties—XXXX XXXXX, XXXXX XXXXXX, and XXXXXXXX XXXX. A settlement statement for XXXXXXX XXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XXX: Please see attached final CDs for the REO properties at XXXXXXXXX, XXXXX, and XXXX. Please note that the settlement statement for the refinance of XXXX XXXXXXX confirms that the borrower on the transaction was XXXXX XXXX XXXXXXXXX XXX, so the borrower is not personally obligated on the loan. - Due Diligence Vendor-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower's recent acquisitions of the three additional real estate properties—XXXX XXXXX, XXXXX XXXXXX, and XXXXXXXX XXXX. In addition, the Note for the recent refinance of the XXXXXXX XXXXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |  | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower's recent acquisitions of the three additional properties—XXXXXXX, XXXXXXX, and XXXXXXX. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br>|  |  | MO | Investment | Purchase | NA | 7294613 | N/A | N/A |
| 304909818 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:27 | 2026-01-30 15:00 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower's recent acquisitions of the five additional properties—XXXXXX XXXXXX, XXXXXX XXXXXX, XXXXXX XXXXXX, XXXXXX XXXXXX, and XXXXXX XXXXXX. A settlement statement for XXXXXX XXXXXXwas also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XXX: Please see attached final CDs for the REO properties at XXXXXX, XXXXXX, XXXXXX, XXXXXX, and XXXXXX. Please note that the settlement statement for the refinance of XXXXXX XXXXXX confirms that the borrower on the transaction was XXXXXX XXXXXX XXXXXX , so the borrower is not personally obligated on the loan. - Due Diligence Vendor-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower's recent acquisitions of the three additional real estate properties—XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX and XXXXXX XXX. In addition, the Note for the recent refinance of the XXXXXX XXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |  | Resolved-Copies of the Final Closing Disclosures have been provided for the borrower's recent acquisitions of the five additional properties—XXXXXXX, XXXXXXX, XXXXXXX, XXXXXXX, and XXXXXXX. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br>|  |  | MO | Investment | Purchase | NA | 7302342 | N/A | N/A |
| 304909817 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 15:29 | 2026-01-30 15:07 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Copies of the Notes have been provided for the borrower's recent acquisitions. A settlement statement for XXXXXX XXX was also provided, confirming the borrower on that transaction was an LLC. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Please see attached final notes for all properties and settlement statement for the XXXXXX XXX property - Due Diligence Vendor-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower's recent acquisitions of the additional real estate properties— XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX, XXXXXX XXX andXXXXXX XXX . In addition, the Note for the recent refinance of the XXXXXX XXX property is missing. A satisfactory verification of mortgage may be required if the borrower is a personal guarantor. - Due Diligence Vendor-01/26/2026 |  | Resolved-Copies of the Notes have been provided for the borrower's recent acquisitions. A settlement statement for XXXXXXX was also provided, confirming the borrower on that transaction was an XXXXXXX. No further documentation is required; condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/30/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br> XXXXXX_7.pdf |  |  | MO | Investment | Purchase | NA | 7303288 | N/A | N/A |
| 305028188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-05 11:30 | 2026-02-26 14:31 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy received with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2.23.2026 - Please see attached XXXXXX. - Due Diligence Vendor-02/23/2026 <br> Counter-Audit has reviewed the provided title commitment; however, the coverage amount is below the loan amount. The condition remains pending receipt of proof of coverage for no less than $XXXXXX. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-please see attached doc XX 1.28 - Due Diligence Vendor-01/28/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/05/2026 |  | Resolved-Title Policy received with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/26/2026 | XXXXXX_1.pdf<br> XXXXXX_1.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 6917455 | N/A | N/A |
| 305028187 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-06 09:21 | 2026-02-02 08:00 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/02/2026 <br> Ready for Review-1/23 XX- see attached - Due Diligence Vendor-01/30/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/06/2026 |  | Resolved-Sufficient coverage provided, condition resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/02/2026 | XXXXXX_1.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 6933637 | N/A | N/A |
| 305030925 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 13:33 | 2026-02-18 14:15 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-The I-551 stamp indicates permanent residency was extended for one year thru XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: Please see attached stamped passport document and renewal. - Due Diligence Vendor-02/17/2026 <br> Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/06/2026 |  | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MS | Investment | Refinance | Cash Out - Other | 7496563 | N/A | N/A |
| 305024446 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-26 04:44 | 2026-02-26 14:54 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2.23.2026 - Please see attached XXX. - Due Diligence Vendor-02/23/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-12/26/2025 |  | Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXXX - Due Diligence Vendor-02/26/2026 | XXXXXX_1.pdf |  |  | GA | Investment | Purchase | NA | 6807517 | N/A | N/A |
| 305024446 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-26 05:14 | 2026-01-13 07:25 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Sufficient assets received for reserves, condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Audited Reserves of 92.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/13/2026 <br> Ready for Review-1/12 XXX: Please see the attached CD from the sale of the property at XXXXXX, these funds were used to cover the entirety of the required funds to close. The borrower also provided their bank statements for their XXXXXX business account, which has enough funds to cover the required reserves amount. Per the investor guidelines, funds from a business account may be used for funds to close and reserves if the borrower is 100% owner. Please see that the Operating Agreement for the business was provided to confirm the borrower as sole owner. - Due Diligence Vendor-01/12/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 3 month(s). Asset documentation to verify reserves are missing. - Due Diligence Vendor-01/08/2026 |  | Resolved-Sufficient assets received for reserves, condition cleared. - Due Diligence Vendor-01/13/2026 <br>Resolved-Audited Reserves of 92.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/13/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | GA | Investment | Purchase | NA | 6807700 | N/A | N/A |
| 305042288 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 08:51 | 2026-02-25 10:42 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/18 XXX: Please not that the XXXXXX XXXXXX XXXXXX is a blanket mortgage that encompassed multiple properties that the borrower owned. Please see the attached VOMs to confirm that the blanket mortgage had 0 late payments in the last 12 months, along with the payoff statement for the portion that the subject transaction was paying off to confirm that the subject was included in the blanket. - Due Diligence Vendor-02/18/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM document is missing for subject property. - Due Diligence Vendor-02/12/2026 |  | Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | OK | Investment | Refinance | Cash Out - Other | 7582432 | N/A | N/A |
| 305028262 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 15:13 | 2026-01-29 08:00 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Closing disclosures provided for all 11 recently closed properties, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026 <br> Ready for Review-1/28 XX: See attached correct CDS - Due Diligence Vendor-01/28/2026 <br> Counter-Closing Disclosure provided by the lender is for a different borrower. Still pending copies of the Notes and Final Closing Disclosures were not provided for the borrower's recent acquisitions of the additional 11 real estate properties. The missing documentation pertains to the following properties: five on XXXXXX., three on XXXXXX., one on XXXXXX, one on XXXXXX, and one on XXXXXX, condition remains. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/26 XX: See attached CDs - Due Diligence Vendor-01/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copies of the Notes and Final Closing Disclosures were not provided for the borrower's recent acquisitions of the additional 11 real estate properties. The missing documentation pertains to the following properties: five on XXXXXX., three on XXXXXX., one on XXXXXX, one on XXXXXX, and one on XXXXXX. - Due Diligence Vendor-01/20/2026 |  | Resolved-Closing disclosures provided for all 11 recently closed properties, condition resolved. - Due Diligence Vendor-01/29/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/29/2026<br>| XXXXXX_1.pdf<br> XXXXXX_1.pdf |  |  | OK | Investment | Purchase | NA | 7188070 | N/A | N/A |
| 305028150 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-07 05:26 | 2026-03-30 13:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Evidence of Good Standing was received. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-1/21 XX: Please see attached document. - Due Diligence Vendor-01/21/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/07/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026<br>| XXXXXX_1.pdf |  |  | OK | Investment | Purchase | NA | 6954172 | N/A | N/A |
| 305013402 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 15:07 | 2026-02-03 06:36 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-All additional REO have been verified as closed, sold or rejected. Condition cleared. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 <br> Counter-Audit has reviewed the lender's rebuttal. Per lender guidelines, the file must include verification of the borrower's 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property's mortgage payment history has been verified in the loan file. The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX, XXXXXX (two properties), XXXXXX XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Since this loan is an XXXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios - Due Diligence Vendor-01/30/2026 <br> Open-Corporate Resolution document indicates 9 properties (including the subject property) to be refinanced byXXX (borrower is 51% owner). If properties owned free and clear provide verification of free and clear, if not, provide 12-month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-All additional REO have been verified as closed, sold or rejected. Condition cleared. - Due Diligence Vendor-02/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br> XXXXXX_7.pdf<br> XXXXXX_8.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302943 | N/A | N/A |
| 305013401 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 13:36 | 2026-02-03 06:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Verified the remaining REOS have closed with the lender, been rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 <br> Counter-Audit has reviewed the lender's rebuttal. Per lender guidelines, the file must include verification of the borrower's 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property's mortgage payment history has been verified in the loan file.<br> The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX,XXXXXX(two properties), XXXXXX, XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Since this loan is an XXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios. Trying this way with investor first before I have to ask them for mortgage history from all REOS listed on corporate resolution - Due Diligence Vendor-01/30/2026 <br> Open-Corporate Resolution documents indicate 9 properties to be refinanced by XXX (borrower is 51% owner) . If are properties owned free and clear provide verification of free and clear, if not, provide 12 month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Verified the remaining REOS have closed with the lender, been rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br> XXXXXX_7.pdf<br> XXXXXX_8.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7301565 | N/A | N/A |
| 305013575 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:09 | 2026-02-03 06:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Remaining REOs have been verified as closed with the lender, rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: Please see the attached notes for 4 of the properties, Please see denial letter for one of the properties, & please see property profile reports for 3 other homes that show the home was sold from the borrowers XXX - Due Diligence Vendor-02/03/2026 <br> Counter-Audit has reviewed the lender's rebuttal. Per lender guidelines, the file must include verification of the borrower's 12-month mortgage payment history for the primary residence (if applicable), as well as any mortgaged second homes or investment properties. The guidelines require no more than one 30-day late payment within the past 12 months. The subject property's mortgage payment history has been verified in the loan file. The condition remains outstanding for documentation confirming that the following properties are either owned free and clear or verifying their 12-month mortgage histories: XXXXXX, XXXXXX, XXXXXX, XXXXXX (two properties), XXXXXX, XXXXXX, and XXXXXX. Also, copies of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-1/29 XX: Since this loan is an XXX (DSCR) 30 Year Fixed - Pink loan and the DSCR is calculated based on the subject PITIA & Subject rental income. The REO information is not required since it is not included into ratios. Trying this way with investor first before I have to ask them for mortgage history from all REOS listed on corporate resolution - Due Diligence Vendor-01/30/2026 <br> Open-Corporate Resolution document indicate 9 properties (including the subject property) to be refinanced by XXX (borrower is 51% owner) . If properties owned free and clear provide verification of free and clear, if not, provide 12 month verification of mortgage history for all properties. Also, A copy of the Note and or final closing disclosure for the REOS with new mortgages is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Remaining REOs have been verified as closed with the lender, rejected and/or sold. Condition cleared. - Due Diligence Vendor-02/03/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf<br> XXXXXX_7.pdf<br> XXXXXX_8.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302049 | N/A | N/A |
| 305013575 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-26 14:08 | 2026-02-02 10:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit has reviewed and determined an operating agreement is not required when only one member is a borrower on the loan, a corporate resolution has been provided, condition resolved. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-1/30 XX: Per guidelines A Corporate Resolution is required when some owners of a multiple member entity are not borrowers on the loan. An operating agreement is not required - Due Diligence Vendor-01/30/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. Articles of Incorporation as required per lender guidelines are missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Audit has reviewed and determined an operating agreement is not required when only one member is a borrower on the loan, a corporate resolution has been provided, condition resolved. - Due Diligence Vendor-02/02/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7302033 | N/A | N/A |
| 305046107 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 06:18 | 2026-02-25 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note and final CD for property 3b. Finding resolved - Due Diligence Vendor-02/25/2026 <br> Ready for Review-02/18/26 - XX: Please see attached. - Due Diligence Vendor-02/18/2026 <br> Open-1003 application indicates REO property #3b with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO property #3b with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received copy of Note and final CD for property 3b. Finding resolved - Due Diligence Vendor-02/25/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MS | Investment | Purchase | NA | 7578359 | N/A | N/A |
| 305026111 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 07:23 | 2026-02-02 11:09 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final closing disclosure provided for the three new loans with the lender, condition resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/02/2026 <br> Ready for Review-1/30 XXX Please see the attached final CDs for the REO properties. - Due Diligence Vendor-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has 3 new loans with the same lender listed on the 1003. Please provide final CD/Note for the new loans. - Due Diligence Vendor-01/24/2026 |  | Resolved-Final closing disclosure provided for the three new loans with the lender, condition resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/02/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | FL | Investment | Purchase | NA | 7282588 | N/A | N/A |
| 305026109 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 10:25 | 2026-01-29 10:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copies of the final Closing Disclosures have been provided for the recent purchases of the three other properties. Condition resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-1/27 XX: See attached CDs, note should not be required as CDs contain all necessary information - Due Diligence Vendor-01/28/2026 <br> Open-1003 application indicates REO properties #3b, 3c and 3d with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3b, 3c and 3d with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Copies of the final Closing Disclosures have been provided for the recent purchases of the three other properties. Condition resolved. - Due Diligence Vendor-01/29/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Purchase | NA | 7246111 | N/A | N/A |
| 305026109 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 10:54 | 2026-01-23 13:30 | Waived | 2 - Non-Material | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026<br>|  |  | Lender provided and validated comp factors. Compensating factors; 803 FICO, 6 months additional reserves, DSCR is above minimum requirements. | FL | Investment | Purchase | NA | 7246732 | Originator Pre-Close | Yes |
| 305042286 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:14 | 2026-02-18 17:53 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/18 XXX: Please note that the subject transaction is a delayed financing transaction. Per the investor guidelines, "delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations." This loan is still eligible at 80% LTV. - Due Diligence Vendor-02/18/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/12/2026 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026<br>|  |  |  | OH | Investment | Refinance | Cash Out - Other | 7518790 | N/A | N/A |
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. CLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% 80% CLTV exceeds the maximum CLTV of 75% for a cash out refinance. - Due Diligence Vendor-02/11/2026 |  | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | IL | Investment | Refinance | Cash Out - Other | 7519587 | N/A | N/A |
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. HLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |  | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | IL | Investment | Refinance | Cash Out - Other | 7519588 | N/A | N/A |
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:42 | 2026-02-18 17:06 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% 80% LTV exceeds the maximum LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/11/2026 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | IL | Investment | Refinance | Cash Out - Other | 7519589 | N/A | N/A |
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. CLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% 80% CLTV exceeds the maximum CLTV of 75% for a cash out refinance. - Due Diligence Vendor-02/09/2026 |  | Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7523488 | N/A | N/A |
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. HLTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |  | Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7523489 | N/A | N/A |
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:32 | 2026-02-18 16:48 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-After re-review, audit concurs, loan is a delayed finance transaction, per lender guidelines its subject to matrix restrictions of rate and term transaction. LTV is within lender guidelines. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/18/2026 - XX: This is a delayed financing transaction, and the investor guidelines permit the file to be underwritten via Rate & Term Parameters. Therefore, an LTV,CLTV, and HCLTV of 80% is allowed. - Due Diligence Vendor-02/18/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% 80% LTV exceeds the maximum LTV of 75% for a cash out refinance. - Due Diligence Vendor-02/09/2026 |  | Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7523490 | N/A | N/A |
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 08:47 | 2026-03-03 09:07 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation provided showing property is owned XXX, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XXX: Please note that the property at XXXXXX was purchased without a mortgage, the property was confirmed to be free and clear, so therefore the VOM would not be applicable. - Due Diligence Vendor-03/02/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The loan file contains an LOE from the Borrower for their primary residence indicating the house was purchased in within a few months of the subject property and references a HUD1 settlement statement to verify purchase date of property; however, the settlement statement is not in the loan file. - Due Diligence Vendor-02/25/2026 |  | Resolved-Documentation provided showing property is owned F&C, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | IL | Investment | Refinance | Cash Out - Other | 7797826 | N/A | N/A |
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:46 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-02/09/2026 |  | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-03/03/2026<br>|  |  |  | IL | Investment | Refinance | Cash Out - Other | 7520313 | N/A | N/A |
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:45 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 <br> Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-02/09/2026 |  | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 75% - Due Diligence Vendor-03/03/2026<br>|  |  |  | IL | Investment | Refinance | Cash Out - Other | 7520312 | N/A | N/A |
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:13 | 2026-03-03 08:45 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XXX: Please note that the subject transaction is delayed financing, therefore investor guidelines allow the product to reflect as a cash-out transaction while the loan is underwritten to rate and term parameters. The FICO and DSCR allow for an 80% LTV. - Due Diligence Vendor-03/02/2026 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/09/2026 |  | Resolved-Transaction is delayed financing, loan meets guideline requirements. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/03/2026<br>|  |  |  | IL | Investment | Refinance | Cash Out - Other | 7520311 | N/A | N/A |
| 305030718 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:56 | 2026-01-28 09:38 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Final closing disclosure provided for XXXXXX dated XX/XX/XXXX, condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: See attached CD - Due Diligence Vendor-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has an addition REO with the lender that is not reporting on the credit report. Please provide final CD/Note for this new lien. - Due Diligence Vendor-01/22/2026 |  | Resolved-Final closing disclosure provided for XXXXXXX dated XX/XX/XXXX, condition resolved. - Due Diligence Vendor-01/28/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/28/2026 | XXXXXX_1.pdf |  |  | MI | Investment | Refinance | Cash Out - Other | 7251111 | N/A | N/A |
| 305045957 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 16:10 | 2026-02-18 14:00 | Resolved | 1 - Information | Credit | Eligibility | Ineligible Property Type | Resolved-Property type is eligible. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Received property detail report to indicate borrower owned property in XXXXX meeting ownership interest within the last 3 years. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: Please see attached docs that verify the borrower owned a property prior to this transaction. - Due Diligence Vendor-02/17/2026 <br> Open-Property type is ineligible due to First time home buyer. First time homebuyers are ineligible - Due Diligence Vendor-02/06/2026 |  | Resolved-Property type is eligible. - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MO | Investment | Purchase | NA | 7500297 | N/A | N/A |
| 305027469 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 10:10 | 2026-02-09 11:22 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXX - Due Diligence Vendor-02/09/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXXX Per XXXXXX overlay guidelines, Business assets cannot be used as reserves. The only assets in file are business assets. - Due Diligence Vendor-01/28/2026 |  | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/09/2026 |  |  |  | IN | Investment | Purchase | NA | 7331721 | Investor Post-Close | No |
| 305027469 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 10:11 | 2026-02-09 11:21 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br> Resolved-Audited Reserves of 35.5 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per XXXX overlay guidelines, Business assets cannot be used as reserves. The only assets in file are business assets. - Due Diligence Vendor-01/28/2026 |  | Acknowledged-Lender provided approved exception to use Business assets for reserves when ownership is 100%. The exception was received post consummation via email. - Due Diligence Vendor-02/09/2026 <br>Resolved-Audited Reserves of 35.5 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026<br>|  |  |  | IN | Investment | Purchase | NA | 7331731 | Investor Post-Close | No |
| 305030615 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 04:22 | 2026-01-30 04:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026<br>|  |  |  | MI | Investment | Purchase | NA | 7366300 | Investor Post-Close | No |
| 305031564 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 09:47 | 2026-01-30 08:59 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Satisfactory fraud report provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX- see attached - Due Diligence Vendor-01/29/2026 <br> Open-Missing Third Party Fraud Report Missing all pages of the Fraud Report. - Due Diligence Vendor-01/28/2026 |  | Resolved-Satisfactory fraud report provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/30/2026<br>| XXXXXX_1.pdf |  |  | MO | Investment | Purchase | NA | 7242012 | N/A | N/A |
| 305029538 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 08:41 | 2026-02-18 11:55 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-An operating agreement received for XXXXXX indicates borrower is 50% owner, a corporate resolution with member's authorization to the borrower was also received. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XX: See attached OA and Resolution - Due Diligence Vendor-02/17/2026 <br> Open-Missing Entity Documents. Per lender guidelines, layered entities are allowed up to two tiers. XXXXXX is wholly owned by XXXXXX; however, the file is missing the operating agreement for XXXXXX needed to verify the borrowers' ownership. A Corporate Resolution may also be required if XXXXXX has two or more members - Due Diligence Vendor-01/22/2026 |  | Resolved-An operating agreement received for XXX indicates borrower is 50% owner, a corporate resolution with member's authorization to the borrower was also received. - Due Diligence Vendor-02/18/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MI | Investment | Purchase | NA | 7240346 | N/A | N/A |
| 305029538 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 08:51 | 2026-01-29 08:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Audit has reviewed lenders rebuttal and concours, condition resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-1/28 XX: This is accurate, there is only two items under article 4 just like article 5 and 6 also only list 2 items. - Due Diligence Vendor-01/28/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. Complete operating agreement for XXX is missing. The file jumps from Section 4.2 to Section 5.1. - Due Diligence Vendor-01/22/2026 |  | Resolved-Audit has reviewed lenders rebuttal and concours, condition resolved. - Due Diligence Vendor-01/29/2026<br>|  |  |  | MI | Investment | Purchase | NA | 7240584 | N/A | N/A |
| 305029230 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:55 | 2026-02-18 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/04/26 - XX: Please see the attached pay histories for each property. The mortgage on XXXXXX is held in the name of XXXXXX. The borrower is not personally obligated to any debts associated with this property. - Due Diligence Vendor-02/04/2026 <br> Open-1003 application indicates REO properties 3a, 3b, 3c, 3d, 3e, 3h with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties 3a, 3b, 3c, 3d, 3e, 3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf<br> XXXXXX_4.pdf<br> XXXXXX_5.pdf<br> XXXXXX_6.pdf |  |  | PA | Investment | Purchase | NA | 7251050 | N/A | N/A |
| 305045956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 19:58 | 2026-03-03 12:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received Final CD for purchase of REO property 3c, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XXX: Please see the attached final CD for the property at XXXXXX. - Due Diligence Vendor-03/02/2026 <br> Open-1003 application indicate REO property #3c (XXXXXX) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO #3c with a new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received Final CD for purchase of REO property 3c, finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | MO | Investment | Purchase | NA | 7789770 | N/A | N/A |
| 305030613 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 16:45 | 2026-02-24 16:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026<br>|  |  |  | GA | Investment | Purchase | NA | 7787933 | Investor Post-Close | No |
| 305034602 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 05:09 | 2026-03-31 15:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-2/25 XXX: The 2nd appraisal is the secondary valuation. Only 1 appraisal was required for the loan product, so the 2nd appraisal was provided for securitization purposes. - Due Diligence Vendor-02/25/2026 <br> Counter-Although two appraisals were performed a secondary valuation is required for loan securitization. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XXX: Please note that 2 separate appraisals were obtained for this transaction to be used as the first and second valuations. Please see the attached appraisal documentation. - Due Diligence Vendor-02/17/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-02/26/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_3.pdf |  |  | NC | Investment | Refinance | Cash Out - Other | 7484064 | N/A | N/A |
| 305034602 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 16:58 | 2026-03-31 15:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-CDA - Due Diligence Vendor-03/02/2026 <br>Counter-Although the loan file contains 2 appraisals, a review appraisal is required for securitization. - Due Diligence Vendor-02/26/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/26/2026 |  | Resolved-Loan file contains 2 full appraisals, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | NC | Investment | Refinance | Cash Out - Other | 7833290 | N/A | N/A |
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:27 | 2026-02-17 14:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided proof of XXXXXX required for closing, borrower took out a loan out on his property of XXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/17/2026 <br> Open-. - Due Diligence Vendor-02/12/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Verified assets are not sufficient for cash to close. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided proof of XXXXXXX required for closing, borrower took out a loan out on his property of XXXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/17/2026 |  |  |  | TN | Primary Residence | Purchase | NA | 7380829 | N/A | N/A |
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:50 | 2026-02-17 14:53 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided proof of XXXXXX required for closing, borrower took out a loan out on his property of XXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-2/16 XX: Please see attached CD & Loan document showing that the borrowers received XXXXXX back and those funds were used for closing. - Due Diligence Vendor-02/16/2026 <br> Counter-The Final CD shows EM in the amount of $XXXXXX. This was from 2 separate deposits of $XXXXXX and $XXXXXX. The $XXXXXX is verified as clearing the borrowers account XX/XX/XXXX. $XXXXXX is not verified. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-2/10 XX: The CD confirms that the cash to close amount is $XXXXXX. The XXX account has $XXXXXX. This account has more than enough funds to cover closing costs. Can you confirm where you are seeing an unverified deposit of $XXXXXX? If we just use the regions account no retirement will have to be used for closing. - Due Diligence Vendor-02/10/2026 <br> Counter-The $XXXXXX balance was already included in the verified assets ($XXXXXX (XXXXXX) + $XXXXXX (XXXXXX) = $XXXXXX. Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXXXXX less cash to close of $XXXXXX and less unverified additional deposit of $XXXXXX results in $XXXXXX shortage of funds to close. NOTE: Verified assets include a 401k account. If retirement funds were used, need proof of liquidation, since balance is not more than 20% than required cash to close. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-2/6 XX: Please see attached asset statement from XXXXXX account ending in XXXXXX with a balance of $XXXXXX which covers the cash to close amount so the retirement fund account would not need to be liquidated. - Due Diligence Vendor-02/06/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXXXXX less cash to close of $XXXXXX and less unverified additional deposit of $XXXXXX results in $XXXXXX shortage of funds to close. NOTE: Verified assets include a 401k account. If retirement funds were used, need proof of liquidation, since balance is not more than 20% than required cash to close. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided proof of XXXXXXX required for closing, borrower took out a loan out on his property of XXXXXXX, which he received proceeds for closing. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-02/17/2026 | XXXXXX_1.pdf<br> XXXXXX_1.pdf<br> XXXXXX_2.pdf<br> XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | TN | Primary Residence | Purchase | NA | 7380109 | N/A | N/A |
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 13:06 | 2026-01-30 13:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026<br>|  |  |  | TN | Primary Residence | Purchase | NA | 7380383 | Investor Post-Close | No |
| 305036557 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 06:30 | 2026-02-18 06:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-CD and note received and cleared for additional REO. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/13/26 - XX: Please see attached. - Due Diligence Vendor-02/13/2026 <br> Open-1003 application indicates REO property #3b with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO property #3b with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/04/2026 |  | Resolved-CD and note received and cleared for additional REO. Condition cleared. - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MO | Investment | Purchase | NA | 7433104 | N/A | N/A |
| 305035580 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 13:11 | 2026-02-18 18:27 | Resolved | 1 - Information | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Master insurance policy provided indicates flood policy with policy period of XX/XX/XXXX thru XX/XX/XXXX . - Due Diligence Vendor-02/19/2026 <br> Ready for Review-2/18 XXX: Please see the attached master insurance policy documentation with the confirmation of the flood insurance renewal on page 2. - Due Diligence Vendor-02/18/2026 <br> Open-Flood Insurance Expiration Date of XX/XX/XXXX is prior to the Note Date of XX/XX/XXXX - Due Diligence Vendor-02/06/2026 |  | Resolved-Flood Insurance Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX Or Flood Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/19/2026 | XXXXXX_1.pdf |  |  | FL | Investment | Purchase | NA | 7495850 | N/A | N/A |
| 305036555 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 12:56 | 2026-03-03 16:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Documentation provided contains borrower's percentage of ownership, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/3 XX: Please see attached operating agreement. Per the XXX guidelines, the name of listed entity matches the articles of organization, the borrower is a 25% owner of the business (Listed on page 6 of the operating agreement), and the borrower is authorized to sign on behalf of the business. Please also note that page 6 states that "Members with 10% or more ownership units have full signing and decision making authority" which gives the borrower authorized to purchase the property. - Due Diligence Vendor-03/03/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. All pages of the Operating Agreement for XXX is missing. A cooperative resolution if required is also missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Documentation provided contains borrower's percentage of ownership, finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | MO | Investment | Purchase | NA | 7827897 | N/A | N/A |
| 305046103 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 09:33 | 2026-03-27 14:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XX: Please see attached. The secretary of state confirmed the business was currently in full force and effect, which XXX believes meets the spirit of the guideline for business in good standing. - Due Diligence Vendor-03/02/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/03/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Purchase | NA | 7799821 | N/A | N/A |
| 305039589 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 08:25 | 2026-02-25 14:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Condo questionnaire reflects no master umbrella, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/19 XX: Please see attached questionnaire from the HOA that confirms on number 11 that there is no master umbrella. - Due Diligence Vendor-02/19/2026 <br> Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-02/12/2026 |  | Resolved-Condo questionnaire reflects no master umbrella, finding resolved. - Due Diligence Vendor-02/25/2026<br>| XXXXXX_1.pdf |  |  | IL | Investment | Refinance | Cash Out - Other | 7581803 | N/A | N/A |
| 305042079 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 13:41 | 2026-03-04 11:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Document provided confirms borrower is 100% owner, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-3/4 XX: Please see attached executed change LLC borrowing certificate that confirms XXXXXXXXX is a single member XXX and line item #6 confirms XXXXXXXXX is the single member owner. - Due Diligence Vendor-03/04/2026 <br> Counter-A Certification Regarding Beneficial Owners of Legal Entity Customers was provided. Documentation contained in the loan file confirms borrower is sole owner. Lender's Guidelines require an Operating Agreement for sole proprietorships, finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XX: Please see attached signed Certificate of business owners confirming the borrower is a sole owner. - Due Diligence Vendor-03/02/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. An Operating Agreement for XXXXXXXXX is missing. A cooperative resolution if required is also missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Document provided confirms borrower is 100% owner, finding resolved. - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf<br> XXXXXX_1.pdf |  |  | TN | Investment | Purchase | NA | 7807649 | N/A | N/A |
| 305044775 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 08:52 | 2026-03-04 08:47 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received mortgage statements confirming the XX/XXXX and XX/XXXX payments paid on time, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-3/3 XX: Please see attached Oct & Nov mortgage statement - Due Diligence Vendor-03/03/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines a 12-month mortgage payments history reporting current through the application date. Despite this requirement, the credit repost reflects last paid XX/XXXX and evidence of payment for the XXXXXXXXX and XXXXXXXXX payment on time was not provided. - Due Diligence Vendor-02/26/2026 |  | Resolved-Received mortgage statements confirming the XX/XXXX and XX/XXXX payments paid on time, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/04/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7821614 | N/A | N/A |
| 305051353 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 15:44 | 2026-03-27 13:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of good standing received, finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/26 - XX: Please see attached. - Due Diligence Vendor-03/04/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/19/2026 |  | Resolved-Evidence of good standing received, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/04/2026<br>| XXXXXX_1.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | 7708007 | N/A | N/A |
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 09:45 | 2026-01-02 14:55 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 3.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/02/2026 <br>Open-Audited Reserves of 2.09 month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 2.09 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/18/2025 |  | Resolved-Audited Reserves of 3.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/02/2026<br>| XXXXXX_1.pdf |  |  | LA | Investment | Refinance | Cash Out - Other | 6683394 | N/A | N/A |
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 09:35 | 2026-01-02 14:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXXXX- Due Diligence Vendor-01/02/2026 <br> Ready for Review-Attached. - Due Diligence Vendor-01/02/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is less than Total Required Reserve Amount of $XXXXXXXXX Total Qualified Assets for Reserves Post-Close of $XXXXXXXXX is less than Total Required Reserve Amount of $XXXXXXXXX - Due Diligence Vendor-12/18/2025 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $8463.81 is equal to or greater than Total Required Reserve Amount of $7625.34 - Due Diligence Vendor-01/02/2026<br>| XXXXXX_1.pdf |  |  | LA | Investment | Refinance | Cash Out - Other | 6683213 | N/A | N/A |
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 08:37 | 2026-01-02 14:26 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-DSCR Loan Application provided, condition resolved. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-12/29/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/18/2025 |  | Resolved-DSCR Loan Application provided, condition resolved. - Due Diligence Vendor-01/02/2026<br>| XXXXXX_1.pdf |  |  | LA | Investment | Refinance | Cash Out - Other | 6681858 | N/A | N/A |
| 305027516 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 07:20 | 2026-01-05 09:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Confirmed per 1003 application, member is a non-qualifying guarantor. Credit report is not required. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Please note that XXXXXXXXX is a Non Qualifying Guarantor. CR not required. - Due Diligence Vendor-12/30/2025 <br> Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-12/19/2025 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-01/05/2026<br>| XXXXXX_1.pdf |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 6702088 | N/A | N/A |
| 305027516 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:11 | 2026-01-02 18:03 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-A final 1003 for the borrower was received. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-12/30/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/19/2025 |  | Resolved-A final 1003 for the borrower was received. - Due Diligence Vendor-01/02/2026<br>| XXXXXX_1.pdf |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 6702896 | N/A | N/A |
| 305030506 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-08 08:24 | 2026-01-09 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-LLC document showing Borrower as sole member received. Ok to use business assets, condition cleared. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/09/2026 <br>Open-Evidence of ownership for asset 1 and asset 2 listed in a business is missing from the loan file. - Due Diligence Vendor-01/08/2026 |  | Resolved-LLC document showing Borrower as sole member received. Ok to use business assets, condition cleared. - Due Diligence Vendor-01/09/2026<br>| XXXXXX_1.pdf |  |  | AL | Investment | Purchase | NA | 6980522 | N/A | N/A |
| 305030505 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-11 00:35 | 2026-01-21 13:29 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-A certified HUD-1/Settlement Statement for the subject property was received. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/15/2026 <br>Open-The final HUD/Settlement Statement is missing. Audit could only locate the Estimated Settlement Statement. - Due Diligence Vendor-01/11/2026 |  | Resolved-A certified HUD-1/Settlement Statement for the subject property was received. - Due Diligence Vendor-01/21/2026<br>| XXXXXX_1.pdf |  |  | CA | Investment | Purchase | NA | 7025071 | N/A | N/A |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 07:02 | 2026-01-26 12:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received verification the doc was sent XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-see attached - Due Diligence Vendor-01/26/2026 <br> Open-. - Due Diligence Vendor-01/22/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 |  | Resolved-Received verification the doc was sent XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/26/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | XXXXXX_1.pdf<br> XXXXXX_2.pdf |  |  | MA | Primary Residence | Purchase | NA | 7176447 | N/A | N/A |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 07:02 | 2026-01-22 17:20 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received the Initial LE. Condition cleared. - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-see attached - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 |  | Resolved-Received the Initial LE. Condition cleared. - Due Diligence Vendor-01/22/2026 <br>Resolved- - Due Diligence Vendor-01/22/2026<br>| XXXXXX_1.pdf |  |  | MA | Primary Residence | Purchase | NA | 7176448 | N/A | N/A |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 16:21 | 2026-01-20 16:21 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | RESPA: Toolkit Not Provided Timely | Acknowledged-RESPA: Toolkit Date XX/XX/XXXX is not within three business days of Application Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |  | Acknowledged-RESPA: Toolkit Date XX/XX/XXXX is not within three business days of Application Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |  |  |  | MA | Primary Residence | Purchase | NA | 7189908 | Investor Post-Close | No |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 06:34 | 2026-01-20 16:12 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |  |  |  | MA | Primary Residence | Purchase | NA | 7175639 | Investor Post-Close | No |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 06:34 | 2026-01-20 06:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/20/2026<br>|  |  |  | MA | Primary Residence | Purchase | NA | 7175638 | Investor Post-Close | No |
| 305013668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-31 09:11 | 2026-01-21 10:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing purchase contract - addendums | Resolved-Document received. Condition cleared. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-addendum - Due Diligence Vendor-01/15/2026 <br>Open-All addendums to the purchase contract were not provided an addendum to the purchase contract extending the closing date is missing. - Due Diligence Vendor-12/31/2025 |  | Resolved-Document received. Condition cleared. - Due Diligence Vendor-01/21/2026<br>| XXXXXX_1.pdf |  |  | WA | Investment | Purchase | NA | 6871759 | N/A | N/A |
| 305029947 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 18:03 | 2026-01-30 18:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/31/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/31/2026<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7384498 | Investor Post-Close | No |
| 305029905 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 07:05 | 2026-02-16 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Rate Lock Agreement is Missing and/or Application Date Utilized for Testing | Resolved-Rate lock agreement received. Condition cleared. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Please see attached XX/XX/XXXX lock confirmation - Due Diligence Vendor-02/04/2026 <br> Open-Missing evidence of original lock date. Compliance testing will need to be reviewed once received. Missing evidence of original lock date. - Due Diligence Vendor-02/02/2026 |  | Resolved-Rate lock agreement received. Condition cleared. - Due Diligence Vendor-02/16/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7394449 | N/A | N/A |
| 305029903 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 14:39 | 2026-02-18 14:40 | Resolved | 1 - Information | Credit | Title | Property Title Issue | Resolved-Warranty Deed received, finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Please see attached Warranty Deed - Due Diligence Vendor-02/12/2026 <br> Open-Property Title Issue Warranty deed for the subject property from XXX to current business entity on the Note is missing. <br> - Due Diligence Vendor-02/05/2026 |  | Resolved-Warranty Deed received, finding resolved - Due Diligence Vendor-02/18/2026 <br>Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7475884 | N/A | N/A |
| 305029903 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 15:05 | 2026-02-18 14:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage payment history received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Please see attached - Due Diligence Vendor-02/12/2026 <br>Open-A verification of mortgage for the subject property is missing. - Due Diligence Vendor-02/05/2026 |  | Resolved-Mortgage payment history received, finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/18/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7476286 | N/A | N/A |
| 305042218 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-27 13:00 | 2026-02-27 13:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026<br>|  |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7849431 | Investor Post-Close | No |
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 16:55 | 2026-02-24 16:51 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Loan file contains sufficient asset documentation for reserves, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/24/2026 <br> Ready for Review-See Attached bank statements, we have sufficient funds for reserves. please clear. - Due Diligence Vendor-02/20/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is less than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/09/2026 |  | Resolved-Loan file contains sufficient asset documentation for reserves, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXXX is equal to or greater than Total Required Reserve Amount of $XXXXXXX - Due Diligence Vendor-02/24/2026 | XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7525705 | N/A | N/A |
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 07:18 | 2026-02-24 16:35 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Management approval to waive 5% LTV haircut applicable due to the 676 FICO score. See Attached. please clear. Thank you - Due Diligence Vendor-02/20/2026 <br>Open-Audited FICO of 676 is less than Guideline FICO of 680. Lender provided exception; however, the exception appears to still be pending approval and no comp factors were provided. - Due Diligence Vendor-02/03/2026 |  | Waived-Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-02/24/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7413540 | Originator Pre-Close | Yes |
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 17:13 | 2026-02-24 16:30 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-Scope of work and proof of rent listing provided, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Recent purchase and rehab. Documents showing property listing. constructive accepted. Please clear - Due Diligence Vendor-02/20/2026 <br>Open-Ineligible transaction due to lender's guidelines requires a SFR to be leased at the time of closing for refinance transactions with evidence the property has been leased. Despite this requirement, the subject property is vacant. - Due Diligence Vendor-02/09/2026 |  | Resolved-Scope of work and proof of rent listing provided, finding resolved. - Due Diligence Vendor-02/24/2026<br>| XXXXXX_1.pdf |  |  | OH | Investment | Refinance | Cash Out - Other | 7525907 | N/A | N/A |
| 305039442 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:26 | 2026-03-30 19:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing not required due to entity formed within prior 6 months. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 <br>Ready for Review-COGS not required for entities formed in the last 6 months. Please cancel or clear this item. Thank you. - Due Diligence Vendor-02/16/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/02/2026 |  | Resolved-Evidence of Good Standing not required due to entity formed within prior 6 months. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026<br>|  |  |  | PA | Investment | Refinance | Cash Out - Other | 7403916 | N/A | N/A |
| 305039434 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:01 | 2026-03-30 19:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing not required for an entity formed within the prior 6 months. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026 <br>Ready for Review-COGS not required for entities formed in the last 6 months. Please cancel or clear this item. Thank you. - Due Diligence Vendor-02/16/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/02/2026 |  | Resolved-Evidence of Good Standing not required for an entity formed within the prior 6 months. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/17/2026<br>|  |  |  | OH | Investment | Purchase | NA | 7403365 | N/A | N/A |
| 305039434 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 11:33 | 2026-02-17 08:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Guidelines only require a verification of mortgage for mortgages not appearing on the credit report at lender's discretion. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 <br>Ready for Review-This is not a guideline requirement. Borrower is experienced investor with prior mortgage history on credit and additional investment property loans closed with lender. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Primary Housing history Missing. - Due Diligence Vendor-02/02/2026 |  | Resolved-Guidelines only require a verification of mortgage for mortgages not appearing on the credit report at lender's discretion. Loan meets guideline requirements, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026<br>|  |  |  | OH | Investment | Purchase | NA | 7401431 | N/A | N/A |
| 305039431 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 13:32 | 2026-03-30 19:14 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Loan file contains evidence of additional properties owned; therefore, lender experience is confirmed. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-his is 1 of 4 additional investment properties being purchased by the borrower as an experienced investor/operator, prior loans closed with lender. Please clear. Thank you, - Due Diligence Vendor-02/17/2026 <br>Open-Loan file only contains evidence of experience for 1 properties which is below the guideline minimum. Loan file does not contain evidence of experience as required by guides. - Due Diligence Vendor-02/05/2026 |  | Resolved-Loan file contains evidence of additional properties owned; therefore, lender experience is confirmed. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026<br>|  |  |  | NJ | Investment | Purchase | NA | 7474544 | N/A | N/A |
| 305039429 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 09:02 | 2026-02-17 11:14 | Resolved | 1 - Information | Credit | Eligibility | Verified number of properties does not meet experience requirements | Resolved-Loan file contains evidence of 3 additional properties owned; therefore, lender experience is sufficient. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-This is 1 of 4 additional investment properties being purchased by the borrower as an experienced investor/operator, prior loans closed with lender. Please clear. Thank you, - Due Diligence Vendor-02/17/2026 <br>Open-Loan file only contains evidence of experience for 0 properties which is below the guideline minimum. Loan file contains no evidence of experience as required by guides. - Due Diligence Vendor-02/06/2026 |  | Resolved-Loan file contains evidence of 3 additional properties owned; therefore, lender experience is sufficient. Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-Sufficinet evidence of experience provided. - Due Diligence Vendor-02/17/2026<br>|  |  |  | NJ | Investment | Purchase | NA | 7488294 | N/A | N/A |
| 305039407 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-02 13:13 | 2026-02-17 08:52 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender's guidelines only require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-This is not a guideline requirement. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Subject Property History missing, as per guidelines 12 months of history required. - Due Diligence Vendor-02/02/2026 |  | Resolved-Lender's guidelines only require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guidelines, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/17/2026<br>|  |  |  | OH | Investment | Refinance | Cash Out - Other | 7403588 | N/A | N/A |
| 305039398 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 05:18 | 2026-02-17 09:37 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender's guidelines require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guides, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026 <br>Ready for Review-This is not a guideline requirement. Borrower is experienced investor with prior mortgage history on credit and additional investment property loans closed with lender. Please clear or cancel. Thank you. - Due Diligence Vendor-02/16/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for the subject property and primary residence if applicable. - Due Diligence Vendor-02/05/2026 |  | Resolved-Lender's guidelines require a verification of mortgage for mortgage loans not appearing on credit report at lender's discretion. Loan meets guides, finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/17/2026<br>|  |  |  | OH | Investment | Refinance | Cash Out - Other | 7411874 | N/A | N/A |
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-29 13:48 | 2026-01-08 07:34 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Final HUD-1: HUD in file Not Signed or Stamped Certified | Resolved-Final settlement statement received and cleared. - Due Diligence Vendor-01/08/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/07/2026 <br>Open-Missing Final HUD-1: HUD in file Not Signed or Stamped Certified. - Due Diligence Vendor-12/30/2025 |  | Resolved-Final settlement statement received and cleared. - Due Diligence Vendor-01/08/2026 <br>Resolved-Signed or Stamped Certified HUD provided. - Due Diligence Vendor-01/08/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6839070 | N/A | N/A |
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 16:38 | 2026-01-06 13:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose loan agreement received and cleared. - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/06/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. A signed Business Purpose Affidavit is missing. - Due Diligence Vendor-01/03/2026 |  | Resolved-Business purpose loan agreement received and cleared. - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6906615 | N/A | N/A |
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 17:44 | 2026-01-06 13:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement | Resolved-Signed Guaranty Agreement received and cleared. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Attached. - Due Diligence Vendor-01/06/2026 <br>Open-Missing Guaranty Agreement A signed Guaranty Agreement is missing. - Due Diligence Vendor-01/03/2026 |  | Resolved-Signed Guaranty Agreement received and cleared. - Due Diligence Vendor-01/06/2026<br>| XXXXXX_1.pdf |  |  | FL | Investment | Refinance | Cash Out - Other | 6906678 | N/A | N/A |
| 305013553 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 13:36 | 2026-01-06 05:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026 <br>Ready for Review-business purpose - Due Diligence Vendor-01/05/2026 <br>Counter-Document was inadvertently deleted; can you please upload again. We apologize for the inconvenience. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Business Purpose - Due Diligence Vendor-12/26/2025 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-12/22/2025 |  | Resolved-Business purpose agreement received and cleared - Due Diligence Vendor-01/06/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/06/2026<br>| XXXXXX_1.pdf |  |  | IN | Investment | Purchase | NA | 6743738 | N/A | N/A |
| 305013553 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-22 14:31 | 2026-01-02 14:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in 2003, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-property is free and clear - no mortgage obtained, no mers reporting - Due Diligence Vendor-12/29/2025 <br> Open-Verification of mortgage is missing for Property purchased on XX/XX/XXXX per the fraud report. If property is owned free and clear, evidence of free and clear is missing. - Due Diligence Vendor-12/22/2025 |  | Resolved-Audit has reviewed the property appraiser's website and confirms property appears in the name of another party - possible family member with same last name. No lender appearing on fraud report nor an active MERS reporting. Fraud report also reflects this property as a prior mailing address in 2003, no further documentation required, condition resolved. - Due Diligence Vendor-01/02/2026<br>|  |  |  | IN | Investment | Purchase | NA | 6745211 | N/A | N/A |

---

## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.29**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 304889681 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 304899058 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304899016 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304898964 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304899041 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304889327 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 304889829 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304899118 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304899017 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304907232 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX B A |
| 304893383 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D C A |
| 305044937 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A C B |
| 305030499 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030488 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 305030487 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A B |
| 305030486 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304866276 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030477 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030474 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304866058 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030471 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030456 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX B A |
| 305030444 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A C |
| 305030420 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 305030419 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304868677 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 304868675 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030409 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030406 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030401 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030398 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A D |
| 305030391 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030385 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030384 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A B |
| 305030383 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030372 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030354 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030353 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030344 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A B |
| 305030340 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030336 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030332 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030325 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 305030321 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 305030317 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 305030311 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 305030302 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030301 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX B A |
| 305030297 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305030292 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX B C A |
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| 305028188 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
| 305028187 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
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| 305030925 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C A |
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| 305031729 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305029768 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305031228 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304865197 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305038713 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305029907 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305039433 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
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| 305039427 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039426 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039424 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A D |
| 305039423 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039422 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039420 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039418 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039416 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039414 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039409 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039407 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX C D A |
| 305039406 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039404 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039402 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A D |
| 305039398 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 305039397 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A D |
| 305039396 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039395 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039394 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A D |
| 305039391 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305039385 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305043827 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305026590 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 305013553 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX D A |
| 304868072 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304904055 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305013392 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 305013628 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |
| 304875963 | XXXXXXXX | XXXXXXX | XXXXXXX | $XXXXXX A |

---

## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **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** | **Primary Appraisal Company** | **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** |
| 304889681 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 48.67 | 48.67 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304899058 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899016 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 47.2 | 47.2 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898964 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899041 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889327 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 304889829 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 41.38 | 41.38 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899118 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.71 | 69.71 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899017 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304907232 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 304893383 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305044937 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| 305030499 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030488 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030487 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.79 | 79.79 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030486 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866276 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030477 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030474 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304866058 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030471 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.03 | 62.03 | $XXXXX | $XXXXX | -.0338 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0338 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030456 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.59 | 71.59 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030444 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030420 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030419 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0816 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0816 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304868677 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304868675 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | $XXXXX | .0714 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0714 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030409 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030406 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.94 | 64.94 | $XXXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030401 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030398 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030391 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 59.26 | 59.26 | $XXXXX | $XXXXX | .0074 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0074 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030385 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030384 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030383 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 63.56 | 63.56 | $XXXXX | $XXXXX | -.0254 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0254 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030372 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305030354 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305030353 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030344 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030340 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .1191 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1191 | 95.0 | 0.05 | XXXXXXX | iAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030336 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.94 | 62.94 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030332 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 63.16 | 63.16 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030325 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030321 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305030317 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030311 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030302 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030301 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | -.0070 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030297 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305030292 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| 305030291 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | -.1564 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  | $XXXXXX | $XXXXXX | -.1564 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030288 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.63 | 74.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030287 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0830 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305030285 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030282 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030280 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0625 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0625 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030277 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030276 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030268 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 36.17 | 36.17 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030267 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030263 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030256 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305030255 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030253 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030246 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030242 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030238 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030235 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305030231 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030216 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 59.26 | 59.26 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030211 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030203 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.39 | 69.39 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030196 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030191 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305030190 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305030188 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305030187 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030181 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030176 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 47.62 | 47.62 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030173 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 34.48 | 34.48 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| 305030162 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305030147 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305030141 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305030137 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.48 | 73.48 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XX/XX/XXXX |
| 305030131 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.1 | 66.1 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030129 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030125 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030124 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030121 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030118 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 67.03 | 67.03 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030114 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 56.82 | 56.82 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030110 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030109 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305030105 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030098 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305030085 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030077 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 58.33 | 58.33 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305030076 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030074 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305030070 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305030066 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.13 | 73.13 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305030064 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | $XXXXX | .0043 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0043 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030061 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0320 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0320 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030057 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305030056 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305030050 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305030045 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | .0007 | 1004 URAR |  |  |  |  | $XXXXX | $XXXXX | .0007 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XX/XX/XXXX |
| 305030044 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030040 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030039 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305030035 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030031 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305030028 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030020 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030019 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030018 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030017 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030016 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0151 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0151 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030011 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305029993 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.96 | 62.96 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029988 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305029977 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305029976 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029970 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029966 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 50.0 | 50.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029965 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029958 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
| 304909592 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 43.98 | 43.98 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304876115 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911784 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304892101 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304893749 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304878884 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305031497 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX |  |  |  |  |  |  |  | $XXXXX | $XXXXX | .0083 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304843836 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304875156 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304855330 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051381 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304893017 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.9 | 89.9 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 304911769 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.27 | 79.27 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304902332 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.48 | 71.48 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304894692 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304897431 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013605 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304898421 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893008 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.27 | 73.27 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible | 1.9 | XX/XX/XXXX |
| 305031614 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 304891144 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 304892646 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 57.89 | 57.89 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056496 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305029875 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.61 | 60.61 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039611 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050348 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible |  |  |
| 305028199 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031573 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 37.69 | 37.69 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304933513 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 78.13 | 78.13 | $XXXXX | $XXXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0000 | 91.0 | 0.09 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305027220 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304898877 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 77.42 | 77.42 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 304908528 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304905111 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029874 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 304908627 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.68 | 68.68 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029183 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304908623 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911018 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304908619 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 21.36 | 21.36 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 305027849 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305023789 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.99 | 74.99 | $XXXXX | $XXXXX | -.0076 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0076 | 98.0 | 0.02 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XX/XX/XXXX |
| 305029776 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 304909608 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024994 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026151 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909898 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305031657 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 25.0 | 25.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027034 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029240 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012457 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305036889 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305027167 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047476 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305056495 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305026137 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305024002 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.99 | 79.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 304911403 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 58.73 | 58.73 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042302 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 57.8 | 57.8 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042319 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305030518 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305028265 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.25 | 79.25 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044909 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305026117 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305029872 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028449 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305038043 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305050052 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305032249 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032248 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305032247 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305032246 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0579 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0579 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032245 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305059712 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047475 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 54.05 | 54.05 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305027208 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027335 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305031445 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031444 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305033690 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028138 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305045976 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031492 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305031491 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305031490 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031489 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036276 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037881 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030727 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029234 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030564 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 305033685 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 43.4 | 43.4 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 304908656 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 305044908 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 52.57 | 52.57 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044907 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305044906 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305029602 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.12 | 69.12 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029688 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305034614 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045973 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305033593 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029862 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054597 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 77.39 | 77.39 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047102 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 45.29 | 45.29 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042300 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.85 | 73.85 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031029 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040476 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0393 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0393 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047273 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040623 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305042299 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 63.27 | 63.27 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031348 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037878 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 33.33 | 33.33 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305031571 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | .0102 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0102 | 97.0 | 0.03 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051448 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 62.99 | 62.99 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042049 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2.0 | XX/XX/XXXX Eligible |  |  |
| 305030926 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031026 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305044835 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.81 | 64.81 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305033682 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 19.42 | 19.42 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034612 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.51 | 68.51 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031654 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031231 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305031288 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031344 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032537 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305034609 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305052328 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031568 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 67.92 | 67.92 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305033591 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 48.24 | 48.24 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305046019 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046018 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305034534 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305045990 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.9 | 89.9 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046115 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047920 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.96 | 69.96 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305036274 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.65 | 72.65 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305042654 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042653 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.63 | 79.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305034533 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305034532 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305033680 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039604 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305040474 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305047522 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305052644 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305034531 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305035586 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 40.87 | 40.87 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305054596 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305033676 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047872 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 51.71 | 51.71 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305034607 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305033734 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305034606 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.51 | 72.51 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047272 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.97 | 69.97 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305036270 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 54.34 | 54.34 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044904 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.53 | 74.53 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042297 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.71 | 79.71 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305047474 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056364 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305036560 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 63.84 | 63.84 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047101 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047271 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.93 | 64.93 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305047871 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305042296 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 55.0 | 55.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305036856 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 61.54 | 61.54 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051377 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305041936 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305037860 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305038038 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038719 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 49.55 | 49.55 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042082 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | -.0057 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0057 | 98.0 | 0.02 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038718 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047099 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039601 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305047918 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051374 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045970 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047471 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044595 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047098 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 51.71 | 51.71 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042047 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0225 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0225 | 92.0 | 0.08 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050772 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | $XXXXX | .0642 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0642 | 92.0 | 0.08 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040628 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.99 | 89.99 | $XXXXX | $XXXXX | -.0431 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0431 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 305042042 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305050347 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.26 | 64.26 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042294 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047096 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 53.76 | 53.76 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305042293 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051368 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.31 | 64.31 | $XXXXX | $XXXXX | -.0346 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0346 | 91.0 | 0.09 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054332 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042289 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305044594 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | -.0318 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0318 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054930 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305054991 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047468 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044593 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305045968 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044779 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044778 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056912 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305050771 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046022 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | $XXXXX | .0550 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0550 | 96.0 | 0.04 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 305046013 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051367 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305062579 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305056360 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 54.55 | 54.55 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047093 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305047090 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 40.0 | 40.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305047869 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305053695 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.57 | 69.57 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053694 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 37.33 | 37.33 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305045277 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 37.97 | 37.97 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305049902 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305049899 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305049898 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305049897 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305049896 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056875 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053692 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.64 | 64.64 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305049869 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305056847 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.25 | 66.25 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305054592 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 50.0 | 50.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305047865 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 305054681 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.63 | 79.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056980 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305057543 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | .0302 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0302 | 96.0 | 0.04 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305056358 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305056844 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.25 | 66.25 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305051363 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305055827 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 58.16 | 58.16 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305052639 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305054680 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305054591 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305053426 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053484 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305024025 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.71 | 65.71 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013675 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305040605 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304909918 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027275 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028183 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044958 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305038054 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045993 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 50.0 | 50.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034604 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305045958 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 53.42 | 53.42 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305036260 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898188 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0496 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0496 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304874817 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 304874815 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 304893939 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | -.0666 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0666 | 88.0 | 0.12 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 304907215 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305055854 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 304909623 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | -.0173 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0173 | 97.0 | 0.03 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031230 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305023781 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896389 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031304 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305042039 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305032492 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible | 2.5 | XX/XX/XXXX |
| 305028444 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304898410 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.6 | 69.6 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030936 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.69 | 73.69 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909819 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909818 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 304909817 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305028188 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028187 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305032285 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.62 | 74.62 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030925 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024446 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 78.94 | 78.94 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305037859 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042288 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042287 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305028263 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.61 | 71.61 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028262 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.46 | 70.46 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028150 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013402 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.7 | 69.7 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013401 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.98 | 64.98 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305033585 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039640 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013575 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 64.58 | 64.58 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305046107 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305026111 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305026109 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305023998 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
| 305034529 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305034528 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.32 | 66.32 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028442 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305036799 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305042286 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042285 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042284 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042283 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030718 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031729 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible |  |  |
| 305031728 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0904 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0904 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031727 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305027139 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047462 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305031726 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305045957 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027469 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.63 | 68.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030615 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| 305040616 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036798 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305059690 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.0 | 68.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031564 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029538 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031563 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305029230 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305045956 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036647 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029680 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.73 | 74.73 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 305031658 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0641 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0641 | 91.0 | 0.09 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305033695 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 55.23 | 55.23 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029768 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305030613 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1158 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 305043940 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036558 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038775 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305034602 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX |  |  |  |  |  |  |  | $XXXXX | $XXXXX | .0213 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031303 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0207 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0207 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| 305036557 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305031228 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 54.19 | 54.19 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304865197 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305035580 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305038713 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0527 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0527 | 94.0 | 0.06 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305054919 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 78.63 | 78.63 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031279 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305034664 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305036257 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042992 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 32.22 | 32.22 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305032289 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 85.0 | 85.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible | 1.4 | XX/XX/XXXX |
| 305031683 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.73 | 72.73 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305031682 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042038 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036256 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305034520 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305042037 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032483 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046105 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305036555 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305050764 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031647 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 34.09 | 34.09 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047087 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305033729 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305048638 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046104 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305051359 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046103 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305046102 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305038527 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051108 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305047861 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305051358 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305037854 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.53 | 69.53 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305045953 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305038034 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.97 | 69.97 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053683 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305047086 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305039591 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 73.16 | 73.16 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305039589 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047085 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044895 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050763 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 41.48 | 41.48 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042079 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible |  |  |
| 305050807 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044775 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044894 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305042033 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305046101 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052636 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305047502 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 71.25 | 71.25 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305047458 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305044774 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044829 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044891 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.94 | 79.94 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053236 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0319 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0319 | 85.0 | 0.15 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305050762 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046100 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.53 | 66.53 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047858 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.53 | 68.53 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 305051353 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 49.84 | 49.84 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305048636 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 54.55 | 54.55 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305053682 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305056346 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.77 | 69.77 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305055821 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0519 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0519 | 95.0 | 0.05 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305052632 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305054917 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | $XXXXX | .0793 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0793 | 93.0 | 0.07 | XXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305051348 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 49.5 | 49.5 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305051435 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0073 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0073 | 96.0 | 0.04 | XXXXXXX | iAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027844 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 58.98 | 58.98 | $XXXXX | $XXXXX | -.0483 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0483 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305025018 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 71A | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | $XXXXX | .0188 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0188 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305025017 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030507 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 67.76 | 67.76 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027516 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030506 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030505 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031538 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030504 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030512 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024832 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 68.09 | 68.09 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024073 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible | 3.1 |  |
| 304894234 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027846 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | 0.0 | .0000 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
| 305030503 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 17.02 | 17.02 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305030648 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 | XX/XX/XXXX |
| 305013668 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.99 | 69.99 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305025996 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 89.97 | 89.97 | $XXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| 305029947 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305029936 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX |  |  |  |  |  |  |  | $XXXXX | $XXXXX | .0133 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029935 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029930 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029925 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029921 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029907 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 72.67 | 72.67 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029905 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.38 | 74.38 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029903 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305045950 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 305042222 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | MODERATE RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305042218 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 55.55 | 55.55 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| 305047528 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305054370 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 304849197 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889880 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889876 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899110 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889845 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304889797 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899061 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899060 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304899031 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 79.84 | 79.84 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898976 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898975 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898974 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.87 | 66.87 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039447 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0229 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0229 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029117 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029099 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029072 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029060 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 77.21 | 77.21 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029056 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029023 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028993 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039442 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0909 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0909 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039440 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039438 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039437 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039435 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039434 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039433 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 70.0 | 70.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039431 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039429 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039427 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039426 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039424 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039423 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039422 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 74.17 | 74.17 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039420 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039418 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 65.0 | 65.0 | $XXXXX | $XXXXX | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0667 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039416 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039414 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039409 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039407 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039406 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.0 | 60.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039404 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.73 | 66.73 | $XXXXX | $XXXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0833 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039402 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039398 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | $XXXXX | -.0823 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0823 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039397 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039396 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 60.07 | 60.07 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039395 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 69.0 | 69.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039394 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039391 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305039385 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305043827 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 95000 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305026590 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 63.34 | 63.34 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013553 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 75.0 | 75.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304868072 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 77.98 | 77.98 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904055 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305013392 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 87.36 | 87.36 | $XXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| 305013628 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 66.0 | 66.0 | $XXXXX | 0.0 | .0000 | AVE/CMA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304875963 | XXXXXXX | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXX | 80.0 | 80.0 | $XXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

**Selene Diligence LLC ("Selene") Due 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 JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between March 6, 2025 and March 3, 2026 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 83 Non-QM loans and 56 ATR-QM exempt loans for a total of 139 loans (the "Final Securitization Population").

*<u>Credit Reviews (139):</u>*

During the Review, Selene performed a credit review on 139 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (139)</u>*

During the Review, Selene performed a compliance review on 139 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (139):</u>*

During the Review, Selene performed a property valuation review on 139 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (139):</u>*

During the Review, Selene performed a Data Integrity Review on 139 mortgage loans in the Final Securitization

Population.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

![](ex9931001.jpg)

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 139 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;139 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;139 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;139 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;139 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

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

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

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

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

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

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, JPM Bank Statement Guidelines, CV3 Financial Services Underwriting Procedures, United Wholesale Mortgage Bank Statement Guidelines, Northpointe Underwriting Guidelines, The Loan Store Underwriting Guideline, LoanStream Core Guide, LoanStream One Guide, (collectively 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 provided 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.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

![](ex9931001.jpg)

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

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

 **CREDIT REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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; and

&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 the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested 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. Please see Appendix B for additional information.

 **PROPERTY VALUATION REVIEW**

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

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

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

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

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

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

![](ex9931001.jpg)

 **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 139 mortgage loans, (ii) a Compliance Review on 139 mortgage loans (iii) a Valuation Review on 139 mortgage loans, and (iv) a Data Integrity Review on 139 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 139 mortgage loans; 126 mortgage loans had a rating grade of A, 13 mortgage loans 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;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** | &nbsp;&nbsp;***Grades per loan (139 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &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;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;39.57% | &nbsp;&nbsp;A | &nbsp;&nbsp;126 | &nbsp;&nbsp;126 | &nbsp;&nbsp;126 | &nbsp;&nbsp;126 | &nbsp;&nbsp;126 | &nbsp;&nbsp;90.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.88% | &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;9.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;32 | &nbsp;&nbsp;23.02% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;34.53% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

![](ex9931001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;137 | &nbsp;&nbsp;137 | &nbsp;&nbsp;137 | &nbsp;&nbsp;137 | &nbsp;&nbsp;98.56% | &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;129 | &nbsp;&nbsp;129 | &nbsp;&nbsp;129 | &nbsp;&nbsp;129 | &nbsp;&nbsp;92.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;138 | &nbsp;&nbsp;138 | &nbsp;&nbsp;138 | &nbsp;&nbsp;138 | &nbsp;&nbsp;138 | &nbsp;&nbsp;99.28% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &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.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

![](ex9931001.jpg)

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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Third Party (TPR) Attestation Form

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

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

**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

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

**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;

&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;

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

&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.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

**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.

&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.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;j) <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.

**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; <br> 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> 

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

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

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.

**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; | 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;

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

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.)

&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.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

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;&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;** 

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

**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

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● 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.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*JPMMT 2026-NQM2 Executive Summary (Selene Diligence)*

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304643641 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304498148 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304724749 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304724749 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047437 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047437 | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047437 | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047437 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305053618 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305053618 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305053618 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305053618 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304848170 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304848170 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898775 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898775 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898775 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898775 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898769 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898761 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898824 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898788 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898760 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898741 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898666 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898818 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898818 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898818 | XXXX | Cash Disbursement Date | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304865118 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304865118 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304865118 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 304865118 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026113 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033645 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033645 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033645 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909518 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909518 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909519 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909519 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909519 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047162 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047162 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026115 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028671 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028186 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911778 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305035455 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040457 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040457 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030971 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029651 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029651 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027041 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305027041 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304911744 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029257 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029257 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047499 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047499 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047499 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036078 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047163 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047163 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048474 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048474 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305044773 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305038351 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 305032519 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029533 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048477 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048479 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048479 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031493 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031493 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305038017 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040469 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040469 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040469 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305032491 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033732 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033732 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033732 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048376 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031031 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031031 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031031 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036855 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036855 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036855 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305038777 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305038777 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305038777 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048526 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048526 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048526 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030694 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030694 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030694 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030694 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047165 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048314 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305034672 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305034672 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305034672 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036280 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036280 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036280 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036258 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036258 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036258 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029860 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029860 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029860 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048587 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048587 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030725 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030725 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030725 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029749 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029749 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029749 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031000 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031000 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031000 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036277 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036277 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036277 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305042228 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305042228 | XXXX | Borrower 3 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305042228 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909609 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909609 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909609 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036265 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036265 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036265 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036568 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036568 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036568 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048530 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048530 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048533 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048532 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305042214 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305042214 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305054663 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305054663 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033589 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033589 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033589 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305038041 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305024451 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305024451 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048278 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048278 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048278 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036272 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036272 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036272 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013636 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013636 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033592 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305033592 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033592 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029770 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029770 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029770 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305026128 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026128 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036797 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305034603 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305044910 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036852 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031483 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036810 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305044777 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305060679 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305038715 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305038988 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305042219 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047467 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047472 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047472 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047160 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305044836 | XXXX | Borrower 1 FTHB | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 305044836 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305050545 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305050648 | XXXX | Borrower 1 Mailing Address Zip | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX |  | 305050648 | XXXX | Borrower 1 Mailing Address City | 1003OcrPage | XXXX | XXXX | XXXX |
| XXXX |  | 305050648 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047763 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047763 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047763 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047763 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047763 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040501 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040508 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305044924 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305044924 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305012672 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305012672 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305033681 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036850 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031653 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040509 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911406 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304911406 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029752 | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 305047469 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047280 | XXXX | Borrower 1 FTHB | disclosuresPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.33

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | XXXX |  | 304643641 | Closed | 2025-03-10 22:52 | 2025-03-21 10:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide the updated Final Hud-1 document with appraisal fee.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3577163 | N/A | N/A |
| XXXX | XXXX |  | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage is Less than Loan amount - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3577848 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-30 03:18 | 2025-07-25 05:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Final CD provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Counter-CD provided is missing page X and the signature page - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final cd - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Closing Disclosure Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| Resolved-Executed Final CD provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Investment | Purchase | NA | 4598600 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:20 | 2025-07-18 06:06 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Deed Of Trust is not signed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Investment | Purchase | NA | 4598048 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:21 | 2025-07-18 06:05 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed Note provided in file is not signed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attacched - Seller-XX/XX/XXXX<br>| Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Investment | Purchase | NA | 4598054 | N/A | N/A |
| XXXX | XXXX |  | 304724749 | Closed | 2025-06-29 23:03 | 2025-07-17 22:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose & Occupancy Affidavit Signed at Closing is Missing in File Needed for All DSCR Transactions. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| Resolved-Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provided Business Purpose & Occupancy Affidavit Signed at Closing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NV | Investment | Purchase | NA | 4598012 | N/A | N/A |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 04:36 | 2025-10-30 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173353 | N/A | N/A |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 07:31 | 2025-10-29 01:01 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5175240 | N/A | N/A |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 04:11 | 2025-09-03 14:38 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5173201 | Investor Post-Close | No |
| XXXX | XXXX |  | 304765373 | Closed | 2025-08-14 07:05 | 2025-08-21 02:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Second Appraisal/Valuation is missing and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 5174877 | N/A | N/A |
| XXXX | XXXX |  | 305047437 | Closed | 2025-10-28 08:27 | 2025-10-29 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative signed and dated by borrower. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX <br>Open-Provide Business Narrative. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX<br>| Resolved-Received Business Narrative signed and dated by borrower. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6035538 | N/A | N/A |
| XXXX | XXXX |  | 304898727 | Closed | 2025-11-06 03:16 | 2025-11-10 02:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Provided Lease Agreement for Subject property. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - WJ - Uploaded another copy of the lease - Seller-XX/XX/XXXX <br>Open-Provide lease agreement for the subject property at XXX XXXXXXXXXXXX XXXXXX as the one in file cannot be accessed or opened. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/X/XX - WJ - Uploaded another copy of the lease - Seller-XX/XX/XXXX<br>| Resolved-Provided Lease Agreement for Subject property. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6149879 | N/A | N/A |
| XXXX | XXXX |  | 304848170 | Closed | 2025-11-07 05:13 | 2025-11-18 03:08 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN doc uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EIN verification uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower signed as LLC as per GL required EIN number. provide Business Entity EIN. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-EIN doc uploaded. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 6167872 | N/A | N/A |
| XXXX | XXXX |  | 304898794 | Closed | 2025-11-12 02:22 | 2025-11-17 01:57 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Uploaded REO Schedule with property profiles in file to support experience, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded REO Addendum that corresponds with property profiles in file to support experience. - Seller-XX/XX/XXXX <br>Open-Credit Memo reflecting experience as 3 and Property report also available in file. Loan application is not listing properties owned by borrower to count as experience. Provide updated application document with properties listed. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - WJ - Uploaded REO Addendum that corresponds with property profiles in file to support experience. - Seller-XX/XX/XXXX<br>| Resolved-Uploaded REO Schedule with property profiles in file to support experience, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 6219165 | N/A | N/A |
| XXXX | XXXX |  | 304898636 | Closed | 2025-11-14 07:57 | 2025-11-20 09:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Waived- as per guidelines, reserves for X months are required. Borrower is short $XXX.XX for reserves. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo reflecting approved exception for reserve shortage - XXXXXX-XX/XX/XXXX <br>Counter-The balance of $XXX,XXX.XX was used when the loan was audited. The borrower needed $XXX,XXX.XX for closing and $XX,XXX.XX for reserves for total assets to be verified of $XXX,XXX.XX which leaves the borrower short reserves in the amount of $XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded transaction history for X XX X #XXXX from XX/XX/XX with a balance of $XXX,XXX.XX - XXXXXX-XX/XX/XXXX <br>Open-As per guideline X.X.X, if DSCR is Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo reflecting approved exception for reserve shortage - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded transaction history for X XX X #XXXX from XX/XX/XX with a balance of $XXX,XXX.XX - XXXXXX-XX/XX/XXXX<br>Waived-Waived- as per guidelines, reserves for X months are required. Borrower is short $XXX.XX for reserves. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>XXXX FICO score is 750<br> Experienced borrower<br> Low LTV at 56.39% TX Investment Purchase NA 6252361 Originator Post-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 05:53 | 2025-12-08 07:45 | Resolved | 1 - Information B A | Credit | Doc Issue | Application Not Signed by All Borrowers | Resolved-Client has provided the initial application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed Loan Application uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-This is not the signed "Universal Loan Application — Initial" that needs to be signed in the loan file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - XXXXXX-XX/XX/XXXX <br>Open-As required, please provide the complete fully executed application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Signed Loan Application uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded the application authorization which is the signature and date for the loan application - XXXXXX-XX/XX/XXXX<br>| Resolved-Client has provided the initial application. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6205556 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 05:52 | 2025-11-20 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Client has provided a cash out letter. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - XXXXXX-XX/XX/XXXX <br>Open-As per guideline X.X, a letter of explanation is required for cash out transactions to confirm funds will be used for business purposes. The loan application in the file is not complete and can't be used as the LOX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded cash-out letter - XXXXXX-XX/XX/XXXX<br>| Resolved-Client has provided a cash out letter. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6205542 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-11 06:14 | 2025-11-19 06:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Reserves are short the required the X months reserves by $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - XXXXXX-XX/XX/XXXX <br>Open-Per Section X.X.X of guideline, cash out proceeds may not be used to satisfy reserve requirements when FICO Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded a Credit Memo reflecting an approved exception for reserve shortage - XXXXXX-XX/XX/XXXX<br>Waived-Reserves are short the required the X months reserves by $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>XXXX borrowers REO experience with 1 property over 12 months<br> LTV is 75%<br> Owns primary residence PA Investment Refinance Cash Out - Other 6205741 Originator Post-Close Yes |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-09 10:25 | 2025-11-19 02:56 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan approval doc provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - XXXXXX-XX/XX/XXXX <br>Open-A copy of the sizer report and credit memo are missing from file to validate the originator's DSCR, LTV, representative FICO, etc - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded credit memo; please note that a sizer does not exist in the new system. The Credit Memo has all the data from both the previous credit memo and sizer. - XXXXXX-XX/XX/XXXX<br>| Resolved-Loan approval doc provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6186587 | N/A | N/A |
| XXXX | XXXX |  | 304898824 | Closed | 2025-11-09 10:26 | 2025-11-14 01:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party fraud report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XXXXXXXXXX report - XXXXXX-XX/XX/XXXX <br>Open-Provide fraud report as it is missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded XXXXXXXXXX report - XXXXXX-XX/XX/XXXX<br>| Resolved-Third Party fraud report provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6186589 | N/A | N/A |
| XXXX | XXXX |  | 304898791 | Closed | 2025-11-15 05:02 | 2025-11-21 02:15 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title. Hence resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Satisfactory Chain of Title has been provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title - XXXXXX-XX/XX/XXXX <br>Open-Unsatisfactory Chain of Title provided Chain of Title is Missing - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title - XXXXXX-XX/XX/XXXX<br>| Resolved-Page XXX which is a recorded warranty deed and satisfies the requirement for a chain of title. Hence resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Satisfactory Chain of Title has been provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 6263228 | N/A | N/A |
| XXXX | XXXX |  | 304898721 | Closed | 2025-11-18 19:06 | 2025-11-25 07:37 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Resolved. Client has provided a copy of the requested Property Profiles confirming the borrower's experience. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Guidelines state the following documentation is required to confirm a borrower's experience designation:<br> Third-party property profiles to verify properties are/were vested in borrower's/sponsor's name for a minimum of X- of the properties listed on the Schedule of Real Estate.<br>The following properties are listed in the borrower's experience without the accompanied Property Profile report:<br> XXXX XXXXXXXX XX<br> XXX XXXXXXXXX XX<br> XXX XXXXXXXXXXX XX <br> XXXX XXXXX XX <br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Client has provided a copy of the requested Property Profiles confirming the borrower's experience. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 6298037 | N/A | N/A |
| XXXX | XXXX |  | 304898666 | Closed | 2025-11-19 12:51 | 2025-12-02 08:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Resolved - updated insurance with RCE provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXXXX is equal to or greater than Required Coverage Amount of XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of XXXXXX is less than Required Coverage Amount of XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide insurance coverage to meet the lesser of the loan amount or replacement value per the XX section XX.X.X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - updated insurance with RCE provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXXXX is equal to or greater than Required Coverage Amount of XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OR | Investment | Refinance | Cash Out - Other | 6310274 | N/A | N/A |
| XXXX | XXXX |  | 304898818 | Closed | 2025-11-19 08:53 | 2025-11-25 07:06 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Property profile for subject has been reviewed and curated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded requested property profile for the subject - XXXXXX-XX/XX/XXXX <br>Open-The Experience Type section of guidelines states the following documentation is required to confirm eligible experience: <br> Third-party property profiles to verify properties are/were vested in borrower's/sponsor's name for a minimum of X- of the properties listed on the Schedule of Real Estate.<br> Subject property is pending the required Property Profile or third party property review - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded requested property profile for the subject - XXXXXX-XX/XX/XXXX<br>| Resolved-Property profile for subject has been reviewed and curated - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6304880 | N/A | N/A |
| XXXX | XXXX |  | 305047164 | Closed | 2025-11-25 05:45 | 2025-12-04 04:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Bank Statement Summary Lender Worksheet / Income sheet which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 6379268 | N/A | N/A |
| XXXX | XXXX |  | 305047164 | Closed | 2025-11-25 06:08 | 2025-12-04 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Gap report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 6379510 | N/A | N/A |
| XXXX | XXXX |  | 304865118 | Closed | 2025-12-05 01:31 | 2026-01-21 11:52 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Lender provided most recent tax bill where the monthly amount matches FPL and Final CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached tax bill showing the total balance for XXXX–XXXX in the amount of $X,XXX.XX. Dividing this amount by XX results in a monthly payment of $XXX.XX, which is within the allowable range.<br>A new title is not needed, as the underwriter used the higher of the two amounts to approve the borrower, which is permissible. Based on this information, please clear this finding.<br>Thank you. - XXXXX-XX/XX/XXXX <br>Counter-Document Uploaded. Title in file shows annual tax amount of XXXX.XX with a monthly amount of XXX.XX, per Final CD and FPL monthly tax amount of XXX.XX. Tax cert in file missing, please provide updated title. Finding countered. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find the updated XXXX & XXXX to clear this finding, - XXXXX-XX/XX/XXXX <br>Open-Tax are not matching with Final CD which is given on Title. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Lender provided most recent tax bill where the monthly amount matches FPL and Final CD. Finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IN | Investment | Purchase | NA | 6498034 | N/A | N/A |
| XXXX | XXXX |  | 305026113 | Closed | 2025-12-22 03:49 | 2026-01-02 07:57 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Non-QM Loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-CT XX/XX: Please see the attached // - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non QM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) Non-QM loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Non-QM Loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Non QM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) Non-QM loan.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6729813 | N/A | N/A |
| XXXX | XXXX |  | 305033645 | Closed | 2025-12-23 03:47 | 2026-02-10 06:39 | Resolved | 1 - Information A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Rescinded-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXXX.X(X)(X). Non QM loan - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Rescinded-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (XX XXX XXXXXX.X(X)(X). Non QM loan - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6756014 | N/A | N/A |
| XXXX | XXXX |  | 305033645 | Closed | 2025-12-23 02:48 | 2026-02-10 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Updated info does not list other supplemental insurance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please note the First payment letter signed at closing did not have other amounts. Please see first payment letter, updated URLA and XXXX. - XXXXX-XX/XX/XXXX <br>Counter-All documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Provide the documentation to support the $XXX month supplemental insurance used in the transaction. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Flood insurance is not escrowed as this is a condo and the master flood policy is paid by the HOA. The borrower has a HXX inner four walls policy of which is escrowed. - XXXXX-XX/XX/XXXX <br>Open-Flood Insurance Policy Partially Provided The Final CD does not show flood insurance escrowed. All other documents first payment letter, final loan information and Final XXXX all show $XXX supplemental insurance. Clarification and documentation to support is required. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Flood Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Updated info does not list other supplemental insurance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 6755685 | N/A | N/A |
| XXXX | XXXX |  | 304909518 | Closed | 2025-12-26 05:04 | 2026-02-09 04:04 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CDA was uploaded previously, please rescind this finding - XXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per matrix, CDA is required for all property types in addition to the appraisal. Appraisal present in file however CDA is missing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Secondary valuation is missing in file, provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | Cash Out - Other | 6808077 | N/A | N/A |
| XXXX | XXXX |  | 304909518 | Closed | 2025-12-29 06:10 | 2026-02-07 14:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Lender provided approved exception in file, p. XXXX, for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr's personal credit does not reflect BK due to chap XX business filing. Finding waived. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-We acknowledge this approved exception. Please note we should not be conditioned to acknowledge already approved exceptions that were provided in the loan file. Please rescind this finding, thank you! - XXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Exception Provided in page#XXXX. Exception approved for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named<br> debtor was dismissed in XXXX. Bwr's personal credit does not reflect BK due to chap XX business<br> filing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Waived-Lender provided approved exception in file, p. XXXX, for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named debtor was dismissed in XXXX. Bwr's personal credit does not reflect BK due to chap XX business filing. Finding waived. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  | 65% LTV is below the maximum 75% LTV by 10%.<br> $530,837 reserves exceed the minimum required of $13,743 exceeds the minimum by 39 months over the required minimum.<br> DSCR ratio of 1.528 exceeds the minimum requirement of 1 by 0.528 points. | MA | Investment | Refinance | Cash Out - Other | 6828836 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304909519 | Closed | 2025-12-29 06:31 | 2026-01-29 10:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXXXXX XXXXXXXX agrees with the exception - XXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Exception Provided in Page#XXX. Exception approved for BK seasoning X yrs vs X yrs. Chap XX BK with bwr named<br> debtor was dismissed in XXXX. Bwr's personal credit does not reflect BK due to chap XX business<br> filing. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Waived-Exception Approved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  | 65% LTV is below the maximum 75% LTV by 10%.<br> $333,398 reserves exceed the minimum required of $15,369 exceeds the minimum by 22 months over the required minimum.<br> DSCR ratio of 1.698 exceeds the minimum requirement of 1 by 0.698 points. | MA | Investment | Refinance | Cash Out - Other | 6829054 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 305027152 | Closed | 2025-12-28 20:39 | 2026-02-02 00:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Title Policy - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount of $XXX,XXX. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825533 | N/A | N/A |
| XXXX | XXXX |  | 305027152 | Closed | 2025-12-28 23:00 | 2026-01-30 08:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-The discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/XX: The initial LE cited was floating so the discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Counter-The lender credit increases of $XX.XX was applied to the total fee variance of $XXX.XX between the baseline disclosure and the last Closing Disclosure. Since the lender credits is less than the total fee variance amount, it is not sufficient to cure the variance. Please provide a COC to cure the tolerance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: Please clarify the fee being cited - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Please provide a COC to cure the tolerance. - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-The discount points permitted to change per TILA XXXX.XX(e)(X)(iv)(D) - XXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825930 | N/A | N/A |
| XXXX | XXXX |  | 305035454 | Closed | 2025-12-29 09:25 | 2026-01-15 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-all documents provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit missing from loan file and Final Business Purpose Affidavit is not dated by the notary - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-all documents provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OK | Investment | Purchase | NA | 6834709 | N/A | N/A |
| XXXX | XXXX |  | 305035454 | Closed | 2025-12-29 04:04 | 2026-01-13 08:21 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-corrected XXXX attached - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO from the Credit Liabilities Page is 'XXX' as per the matrix qualifying FICO method whereas Qualifying FICO on the XXXX Page is 'XXX'. Provide updated XXXX document. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-corrected XXXX attached - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OK | Investment | Purchase | NA | 6827281 | N/A | N/A |
| XXXX | XXXX |  | 305035454 | Closed | 2025-12-29 04:01 | 2026-01-12 21:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report, Missing in File - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OK | Investment | Purchase | NA | 6827263 | N/A | N/A |
| XXXX | XXXX |  | 305035454 | Closed | 2025-12-29 04:01 | 2026-01-12 21:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide Borrower X Gap Credit Report, Missing in File - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OK | Investment | Purchase | NA | 6827262 | N/A | N/A |
| XXXX | XXXX |  | 305048460 | Closed | 2025-12-30 04:54 | 2026-01-07 03:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 6848602 | N/A | N/A |
| XXXX | XXXX |  | 305047162 | Closed | 2025-12-30 23:59 | 2026-01-08 03:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender worksheet is missing in the file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6865949 | N/A | N/A |
| XXXX | XXXX |  | 305047162 | Closed | 2025-12-31 01:37 | 2025-12-31 02:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6866439 | N/A | N/A |
| XXXX | XXXX |  | 305047162 | Closed | 2025-12-31 01:37 | 2025-12-31 02:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6866438 | N/A | N/A |
| XXXX | XXXX |  | 305026115 | Closed | 2025-12-31 03:10 | 2026-02-03 06:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX X/XX disagree - please see the attached Final Settlement Statement which shows the borrower was not charged for the appraisal X fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6866994 | N/A | N/A |
| XXXX | XXXX |  | 305028671 | Closed | 2026-01-05 18:50 | 2026-01-12 09:25 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Uploaded amended Final XXXX shows as Married. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final XXXX shows Unmarried, however Page XXX Preliminary Title Report and Page XXX Deed of Trust show Vesting as XXXXXXXXXX X. XXXXX, a married woman as her sole and separate property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Uploaded amended Final XXXX shows as Married. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6925807 | N/A | N/A |
| XXXX | XXXX |  | 305028671 | Closed | 2026-01-04 23:31 | 2026-01-12 02:56 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Business Reference Letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-At least one business reference letter is required to validate XXXX continuous employment from borrower XXXX employments which are XXXXXXX XXX., X C's of XXXXXXX XXXXXX and XXXXXX, as per XX/XX/XXXX G/L. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Business Reference Letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909091 | N/A | N/A |
| XXXX | XXXX |  | 305028186 | Closed | 2026-01-02 05:29 | 2026-02-17 01:37 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please see attached doc XX X.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Alta Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6890261 | N/A | N/A |
| XXXX | XXXX |  | 305028186 | Closed | 2026-01-02 05:52 | 2026-01-12 07:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Utilized Lower Middle. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X XX: Borrower X's credit scores: XXX, XXX, and XXX (middle score is XXX)<br>Borrower X's credit scores: XXX, XXX, and XXX (middle score is XXX)<br>The lower middle score XXX will be used as the representative credit score for the mortgage - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per XXXX, the FICO score is XXX. However, the qualifying FICO score 'Primary Wage Earner Mid Score' and the credit report is XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Utilized Lower Middle. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6890416 | N/A | N/A |
| XXXX | XXXX |  | 304911778 | Closed | 2026-01-07 03:45 | 2026-01-30 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-See the attached XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX document is missing in the file. Provide XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6953590 | N/A | N/A |
| XXXX | XXXX |  | 305035455 | Closed | 2026-01-07 23:02 | 2026-01-27 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HOA is Fannie approved - Buyer-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. HOA Questionnaire is Missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-HOA Questionnaire is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 6975190 | N/A | N/A |
| XXXX | XXXX |  | 305040457 | Closed | 2026-01-09 07:04 | 2026-01-14 05:21 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved-Resolved Document updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Provide Right to Cancel with signed and executed. The transaction is No-cash out refinance and primary occupancy. Right to Cancel is provided but not executed. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved Document updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7002906 | N/A | N/A |
| XXXX | XXXX |  | 305040457 | Closed | 2026-01-08 22:42 | 2026-01-14 05:20 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Unable to Resolve-Resolved. Document updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide the signed and dated Intent to proceed. <br> Missing Intent to Proceed in file.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Unable to Resolve-Resolved. Document updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6999211 | N/A | N/A |
| XXXX | XXXX |  | 305040457 | Closed | 2026-01-07 01:11 | 2026-01-14 03:32 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is within XX Business days prior to closing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Please provide a gap credit report for borrower within XX days from closing date.<br> Borrower X Gap credit report is dated on XX/XX/XXXX which is not within XX days from closing date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded for review - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Borrower X Gap Credit Report is within XX Business days prior to closing - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6952007 | N/A | N/A |
| XXXX | XXXX |  | 305040457 | Closed | 2026-01-08 04:44 | 2026-01-14 02:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Providers list provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Provide the signed and dated Settlement Service Providers list. <br> File is missing with Service Provider List. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Service Providers list provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6977319 | N/A | N/A |
| XXXX | XXXX |  | 305048434 | Closed | 2026-01-13 11:51 | 2026-01-20 07:57 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD with max PPP updated to $XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The Note calculation for the Max. Prepayment Penalty reflects $XXXX; however Final CD reflects Max. Prepayment Penalty iao $XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-PCCD with max PPP updated to $XXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 7070894 | N/A | N/A |
| XXXX | XXXX |  | 305048434 | Closed | 2026-01-08 02:31 | 2026-01-15 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved- Initial Business Purpose Affidavit Disclosure received - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Initial Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- Initial Business Purpose Affidavit Disclosure received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 6976446 | N/A | N/A |
| XXXX | XXXX |  | 305029651 | Closed | 2026-01-09 20:11 | 2026-01-28 16:53 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-please see attached doc XX X.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Provide Title commitment to cover the loan amount $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received updated Title policy. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 7021319 | N/A | N/A |
| XXXX | XXXX |  | 305029651 | Closed | 2026-01-09 21:05 | 2026-01-16 02:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see the attached lease agreement and bank statements confirming payments to the borrower's landlord - XXX XXXX from XX/XXXX-XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide VOR or XX months rent payment checks to verify XX Months Housing History. Final XXXX shows borrower renting current address for X years and X months paying $X,XXX monthly.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested XX Months rent receipts provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 7021690 | N/A | N/A |
| XXXX | XXXX |  | 305029651 | Closed | 2026-01-09 22:36 | 2026-01-12 15:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 7021931 | N/A | N/A |
| XXXX | XXXX |  | 305027041 | Closed | 2026-01-10 08:15 | 2026-02-05 12:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-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 missing and the Final Closing disclosure on Pg#'s XXX, Finding and reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s finding. The loan does meet HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX Please see attached initial escrow account disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Delivery of appraisal verified. Initial Escrow Account Disclosure Statement missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on XX/XX and consented to it on XX/XX. This meets the X business day cool off before the closing date of XX/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 missing and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s missing. The loan doesn't meet HPML guidelines. IEADS and proof of Appraisal Delivery to Borrower misisng. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 7023350 | N/A | N/A |
| XXXX | XXXX |  | 305027041 | Closed | 2026-01-10 05:12 | 2026-02-05 12:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX XX: Please see attached XXXX signed by the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Final XXXX executed by the Borrower missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX is Missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The Final XXXX provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 7022857 | N/A | N/A |
| XXXX | XXXX |  | 305027041 | Closed | 2026-01-10 05:31 | 2026-02-05 12:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment provided with sufficient coverage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/X XX- see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Title Commitment provided with sufficient coverage. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 7022906 | N/A | N/A |
| XXXX | XXXX |  | 305027041 | Closed | 2026-01-10 09:40 | 2026-01-30 06:09 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-IEADS provided in HPML condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Initial Escrow Acct Disclosure missing; loan has escrows.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-IEADS provided in HPML condition. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 7023545 | N/A | N/A |
| XXXX | XXXX |  | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-This is not a true HOEPA loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-LL X/X Disagree, this loan is not failing HOEPA due to the PAR rate being within X% of the APOR and allowing X% bonafide discount points to be applied to total points and fees. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Counter-This documentation does not clear the condition. XXXXX does not have a specific restriction for late fees on HOEPA loans and would default to the the X% maximum to charge. According to the Note, the late charge for overdue payments was set at X%, which exceeds the federal allowable charge. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-This is not a true HOEPA loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Documentation clears the finding. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7105058 | N/A | N/A |
| XXXX | XXXX |  | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-A tolerance credit in the amount of $XX.XX for the appraisal fee was reflected on the final Closing Disclosure. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7105060 | N/A | N/A |
| XXXX | XXXX |  | 304911744 | Closed | 2026-01-15 03:47 | 2026-02-03 07:17 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-APOR was originally X.XXX prior to being discounted and fees exceeded $X,XXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-APOR was originally X.XXX prior to being discounted and fees exceeded $X,XXX. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7105062 | N/A | N/A |
| XXXX | XXXX |  | 304911744 | Closed | 2026-01-13 07:46 | 2026-01-15 07:57 | Resolved | 1 - Information A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD received. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Rescinded- - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached // - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required to Run Compliance. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Initial CD received. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7060750 | N/A | N/A |
| XXXX | XXXX |  | 305029257 | Closed | 2026-01-12 04:28 | 2026-01-22 11:24 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledged - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXX cannot produce, XX acknowledged. Please downgrade to Non-Material Grade X - XXXXX-XX/XX/XXXX <br>Counter-Per Guidelines, Initial business purpose disclosure is also required. Final business purpose disclosure received. Finding countered. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. initial and final Business Purpose Affidavit is required for a DSCR loan. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX<br>| Acknowledged-XX Acknowledged - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 7031782 | Investor Post-Close | No |
| XXXX | XXXX |  | 305029257 | Closed | 2026-01-12 05:48 | 2026-01-21 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-XXXXXX provided invoice confirming policy premium. Finding resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. Policy Premium is not amount due. It is listed as Policy Premium Current Term. - XXXXXX-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Hazard insurance binder in file is missing premium. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. Policy Premium is not amount due. It is listed as Policy Premium Current Term. - XXXXXX-XX/XX/XXXX<br>| Resolved-Hazard Insurance Policy is fully present - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-XXXXXX provided invoice confirming policy premium. Finding resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 7033378 | N/A | N/A |
| XXXX | XXXX |  | 305029257 | Closed | 2026-01-12 05:08 | 2026-01-21 01:31 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested articles of incoreporation docs provided for LLC, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - XXXXX-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Requested articles of incoreporation docs provided for LLC, updated & condition resolved. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - XXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 7032762 | N/A | N/A |
| XXXX | XXXX |  | 305047499 | Closed | 2026-01-13 00:26 | 2026-01-21 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Executed BPA's Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing Business Purpose Affidavit signed on Final/Note date by borrower. Please Provide Business Purpose Affidavit signed on Final/Note date by borrower. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed BPA's Provided, Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Investment | Purchase | NA | 7055013 | N/A | N/A |
| XXXX | XXXX |  | 305047163 | Closed | 2026-01-13 05:59 | 2026-01-21 07:14 | Waived | 2 - Non-Material C B | Property | Property | Property or house size is outside of guidelines | Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-acknowledged - Buyer-XX/XX/XXXX <br>Open-Exception on page XXX approved for subject GLA XXX sq ft vs XXX sq ft min. Appraiser has used all similar X/X comps with GLA between XXX-XXX sq ft to document market acceptance. All comps from neighboring condo project's as subject is new construction without any closed sales yet. All units and common areas complete at time of closing. Project is high rise in urban area where X/X apartments are common. Recommend waiving. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception waived - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | DSCR is 1.014. Minimum required per guidelines is 1.<br> LTV is 63.21%. Maximum allowed per guidelines is 75%.<br> Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months. | FL | Investment | Purchase | NA | 7057907 | Investor Post-Close | No |
| XXXX | XXXX |  | 305047163 | Closed | 2026-01-13 04:24 | 2026-01-21 01:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. initial attached - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit signed on initial application date by borrower - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7056562 | N/A | N/A |
| XXXX | XXXX |  | 305048474 | Closed | 2026-01-14 00:44 | 2026-01-22 07:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7080593 | N/A | N/A |
| XXXX | XXXX |  | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-28 13:09 | Resolved | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan<br> 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<br> associated with the increased fee that is re-disclosed. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7134078 | N/A | N/A |
| XXXX | XXXX |  | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-28 13:08 | Resolved | 2 - Non-Material C B | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X.XX). The<br> following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments<br> that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot<br> decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (XX CFR XXXX.XXe)(X) and comments XX(e)(X)-X and - X;<br> XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. documents attached for review - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7134077 | N/A | N/A |
| XXXX | XXXX |  | 305048364 | Closed | 2026-01-16 06:29 | 2026-01-21 09:44 | Resolved | 1 - Information A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Seller included Saturday as a business day. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-seller includes saturday as a business day. please rescind. - Buyer-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the<br> consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three<br> business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii))<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-Seller included Saturday as a business day. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7134079 | N/A | N/A |
| XXXX | XXXX |  | 305044773 | Closed | 2026-01-15 08:17 | 2026-01-15 08:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The system determines the threshold by adding X.X points to the comparable average prime offer rate index of (X.XX%). The System applied this threshold because this ($X,XXX,XXX.XX) loan exceeds ($XXX,XXX.XX), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (XX CFR XXXX.XX(a)(X)(ii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 7109471 | N/A | N/A |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:02 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | $XXXX residual income, min is $1,500<br> 28% DTI, max is 50%<br> 10 months reserves | FL | Primary Residence | Purchase | NA | 7129214 | Investor Post-Close | No |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 22:00 | 2026-02-10 14:01 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX <br>Counter-We had X paystub in file, plus the one just provided accounts for XX days of pay. Per guidelines we need XX days of paystubs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. paystub attached. - Buyer-XX/XX/XXXX <br>Open-Borrower X Paystubs Less Than X Month Provided Missing borrowerX XX days paystubs, received only X paystub which is bi-weekly. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX approves exception for XX day pay stub history. X pay stubs provided but paid bi-weekly. Comp Factors: $XXXX residual income, XX% DTI, XX mos reserves. - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | $XXXX residual income, min is $1,500<br> 28% DTI, max is 50%. | FL | Primary Residence | Purchase | NA | 7129213 | Investor Post-Close | No |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-15 21:35 | 2026-01-27 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-BX Id is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Citizenship Documentation Is Missing Borrower X ID proof is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. ID uploaded. - Seller-XX/XX/XXXX<br>| Resolved-BX Id is missing in file, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Citizenship Documentation Provided or Not Required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7128989 | N/A | N/A |
| XXXX | XXXX |  | 305038351 | Closed | 2026-01-20 08:43 | 2026-01-21 05:22 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-borrower X's income is higher therefore we have to go off of their credit score for qualifying. please waive this condition - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Provide updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7179588 | N/A | N/A |
| XXXX | XXXX |  | 305032519 | Closed | 2026-01-16 23:08 | 2026-01-22 03:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Requested I-XXX extension I-XXX provided with XX months validity, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Permanent resident card is expired - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested I-XXX extension I-XXX provided with XX months validity, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MA | Investment | Refinance | Cash Out - Other | 7152516 | N/A | N/A |
| XXXX | XXXX |  | 305054969 | Closed | 2026-01-19 23:28 | 2026-01-23 16:03 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Acknowledged; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Note is signed by LLC and vesting shows LLC however business entity application is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 7173339 | Investor Post-Close | No |
| XXXX | XXXX |  | 305031493 | Closed | 2026-01-22 02:01 | 2026-02-02 00:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - KJ: Please see the attached property tax estimate from title. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax The tax certificate provided shows the annual tax amount as $XX,XXX. Please provide an updated tax cert that matches with the Final CD on page XXX which shows an annual amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7236447 | N/A | N/A |
| XXXX | XXXX |  | 305031493 | Closed | 2026-01-22 05:41 | 2026-02-02 00:58 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XXXX - KJ: Please see the revised XXXX reflecting all other payments totaling $XX,XXX, which is commiserate with the credit report dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Please provide an updated XXXX. The XXXX in the file shows "All Other Monthly Payments" IAO $XX,XXX.XX; however, according to the credit report, "All Monthly Payments" are $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7238157 | N/A | N/A |
| XXXX | XXXX |  | 305040469 | Closed | 2026-01-26 12:47 | 2026-02-19 06:49 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial filed XX/XX/XXXX. Please see the attached pdf from the website - Buyer-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Per guidelines business must be in existence for at least X years, per business search on page XX business filed X/XX/XX less than X years an exception was not provided - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX |  |  | CA | Primary Residence | Purchase | NA | 7301735 | N/A | N/A |
| XXXX | XXXX |  | 305032491 | Closed | 2026-02-02 03:02 | 2026-02-03 06:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | KS | Primary Residence | Purchase | NA | 7392358 | N/A | N/A |
| XXXX | XXXX |  | 305032491 | Closed | 2026-01-25 23:28 | 2026-02-02 03:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required for Compliance Run. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | KS | Primary Residence | Purchase | NA | 7289284 | N/A | N/A |
| XXXX | XXXX |  | 305048376 | Closed | 2026-01-26 21:17 | 2026-02-04 00:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial & Final Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Both initial and final is missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial & Final Business Purpose Affidavit uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | DE | Investment | Purchase | NA | 7305887 | N/A | N/A |
| XXXX | XXXX |  | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7363985 | N/A | N/A |
| XXXX | XXXX |  | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines." <br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7363986 | N/A | N/A |
| XXXX | XXXX |  | 305031031 | Closed | 2026-01-29 21:28 | 2026-02-02 20:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX reflects escrows. Rate lock date was entered correctly see Pg.'s XXX An interior and exterior appraisal was completed for this property – see pg. XX the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX and copy of the appraisal was given to the borrower see Pg#XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7363987 | N/A | N/A |
| XXXX | XXXX |  | 305036855 | Closed | 2026-01-30 02:21 | 2026-02-04 08:47 | Resolved | 1 - Information B A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LI X/X Disagree - Our Contract states that as long as all the requirements were met as they were on this loan the loan can be HPML. Please see the attached documents which shows the borrower received the Appraisal on X/X - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-4 unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7365888 | N/A | N/A |
| XXXX | XXXX |  | 305036855 | Closed | 2026-01-30 02:21 | 2026-01-30 14:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7365887 | N/A | N/A |
| XXXX | XXXX |  | 305048314 | Closed | 2026-01-27 23:14 | 2026-02-17 03:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. title attached - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Title Coverage Amount of $86000 is Less than Loan Amount of $96000 | TX | Investment | Refinance | Cash Out - Other | 7324044 | N/A | N/A |
| XXXX | XXXX |  | 305034672 | Closed | 2026-01-31 01:12 | 2026-02-03 00:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed Copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Please provide the executed Final CD. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed Copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7386738 | N/A | N/A |
| XXXX | XXXX |  | 305036258 | Closed | 2026-01-31 20:43 | 2026-02-05 10:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Documentation received clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/X: Appraisal fee cited from previously denied transaction, see attached. Appraisal fee for the current transaction was paid for by XXXX, and the fee was not reimbursed to them by the borrower per the disbursement of funds. Additionally, the second Appraisal fee was reflected on the baseline document, and the amount for this fee was consistent throughout all disclosures provided to the borrower. Clear this finding as there has been no the borrower harm necessitating a refund, or provide additional information so we can further assist - Due Diligence Vendor-XX/XX/XXXX <br>Counter-There is no itemization in the file, please provide the itemization to show that the appraisal was paid by the borrower. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/X Disagree - it was paid by other not the Borrower, a tolerance is not due - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Fee in initial LE is $XXX which increased to $XXX in the revised CD dated XX/XX/XXXX. There is no COC or Itemization. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documentation received clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7388292 | N/A | N/A |
| XXXX | XXXX |  | 305029860 | Closed | 2026-01-31 18:05 | 2026-02-09 00:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X MM: Please see attached copy of flood insurance - Due Diligence Vendor-XX/XX/XXXX <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Flood Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 7388235 | N/A | N/A |
| XXXX | XXXX |  | 305029860 | Closed | 2026-01-31 18:48 | 2026-02-03 07:06 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. <br> (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 XXX and the Final Closing disclosure on page XXX. Rate lock date was entered correctly see page XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg# XX, XX-XX appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower for the copy of the disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 7388253 | N/A | N/A |
| XXXX | XXXX |  | 305029749 | Closed | 2026-02-03 08:16 | 2026-02-05 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X SW- see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Institutional Verification of Rent (VOR) completed by a professional management company is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Documentation clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7416489 | N/A | N/A |
| XXXX | XXXX |  | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7553855 | N/A | N/A |
| XXXX | XXXX |  | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7553854 | N/A | N/A |
| XXXX | XXXX |  | 305042228 | Closed | 2026-02-11 04:01 | 2026-02-18 04:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7553853 | N/A | N/A |
| XXXX | XXXX |  | 304909609 | Closed | 2026-02-02 21:31 | 2026-02-11 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X MM: The bank statements were provided for the investor to calculate the income. A income worksheet is not required. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide the income calculation worksheet for BX - R C XXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7409756 | N/A | N/A |
| XXXX | XXXX |  | 305048530 | Closed | 2026-02-04 12:20 | 2026-02-04 12:39 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements Exception on page XXXX approved to exceed max of XXXXk cash out with LTV of XX% when max per guidelines is XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Cash Out is not completed according to the guideline requirements Exception on page XXXX approved to exceed max of XXXXk cash out with LTV of XX% when max per guidelines is XX% - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | DTI- 25.31% max per guidelines is 55%<br> Fico- 738 minimum per guidelines is 720<br> Residual income- $XXXX minimum per guidelines is $2500 | WA | Investment | Refinance | Cash Out - Other | 7446388 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305048533 | Closed | 2026-02-04 01:24 | 2026-02-05 18:20 | Waived | 2 - Non-Material B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXXk c/o. Finding waived. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXXk c/o. Finding waived. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | 75% LTV is below the maximum 89.99% LTV by 14.99%.<br> 25.28% DTI is below the maximum 55% DTI by 29.72%. | WA | Investment | Refinance | Cash Out - Other | 7431028 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 305048532 | Closed | 2026-02-04 00:07 | 2026-02-11 00:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-PUD Rider N/A for investment property loans as the PUD information is in the body of the documents. Please rescind this finding, thank you - XXXXX-XX/XX/XXXX <br>Open-PUD Rider is Missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-PUD rider not required, info available on DOT page clause XX. Hence resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 7430701 | N/A | N/A |
| XXXX | XXXX |  | 305042214 | Closed | 2026-02-11 23:12 | 2026-02-18 04:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received updated title commitment insured for $XXX,XXX.XX, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount In provided title document coverage amount is $XXXXXX however our loan amount is $XXXXXX. Provide updated document. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) Received updated title commitment insured for $XXX,XXX.XX, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7575484 | N/A | N/A |
| XXXX | XXXX |  | 305054663 | Closed | 2026-02-04 05:31 | 2026-02-12 05:31 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Requested Final CD provided for Other REO to verify PITIA, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PITIA $XXXX.XX (taxes/ins not escrowed) – see the CD attached above to show the P/I payment - XXXXX-XX/XX/XXXX <br>Open-Unable to verify PITIA for XXX XXXXXXXXX property. Missing mortgage statement etc. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested Final CD provided for Other REO to verify PITIA, updated & condition resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Investment | Purchase | NA | 7433109 | N/A | N/A |
| XXXX | XXXX |  | 305033589 | Closed | 2026-02-04 04:28 | 2026-02-06 20:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/X: Please see the attached Appraisal Delivery // - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan meets XXXX XXXXXXXXXX and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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 XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX XXXXXXXXXX.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7432015 | N/A | N/A |
| XXXX | XXXX |  | 305036272 | Closed | 2026-02-05 03:56 | 2026-02-11 17:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see attached Rate Lock sheets and corresponding disclosure. On X-XX the DTI changed, affecting the LLPA, negative pricing disclosed on the X-XX CD - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. X.X% of Loan Amount (Points) increased from Initial CD $X,XXX.XX to $X,XXX.XX in Final CD, for which no Change in circumstance is provided.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  | XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 7455946 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-06 01:22 | 2026-03-02 14:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-LOE received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX response - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provided an updated XXXX. Page XXX shows section Xa as borrower owning the primary residence. However, the file shows there is no REO's listed and borrower lives in a rental. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-LOE received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7483065 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-06 01:14 | 2026-03-02 14:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Transfer Taxes increase by $X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CD charges response - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Transfer taxes increased from Initial CD $X to Revised CD $XXXX.XX. Provide COC to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Transfer Taxes increase by $X. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7483036 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 13:57 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fraud Report Response from UW - Due Diligence Vendor-XX/XX/XXXX <br>Open-Potential Fraud Reflected on Fraud Report Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7482661 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fraud Report Response from UW - Due Diligence Vendor-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with cleared alerts - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7482660 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 23:42 | 2026-03-02 13:55 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-EMD was not utilized in the calculation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-EMD response from UW - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide EMD proof of $XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-EMD was not utilized in the calculation. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7482642 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 23:47 | 2026-03-02 00:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Driver's License uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-DL XXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXX requirements. Provided photo ID page XXX shows borrower face is completely illegible. Provide clear and visible ID proof. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Driver's License uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7482662 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 21:39 | 2026-03-02 00:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Updated Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-VOE - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verbal Verification of Employment is required for all borrowers using self-employed income to qualify and must be completed within XX calendar days prior to the Note date. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7481816 | N/A | N/A |
| XXXX | XXXX |  | 305013636 | Closed | 2026-02-05 20:34 | 2026-03-02 00:30 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 7481536 | N/A | N/A |
| XXXX | XXXX |  | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-11 17:40 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX <br>Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) Please provide the undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX |  |  | FL | Primary Residence | Purchase | NA | 7483797 | N/A | N/A |
| XXXX | XXXX |  | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-11 17:39 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Appraisal Delivery // - Due Diligence Vendor-XX/XX/XXXX <br>Open-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) Please provide the undiscounted rate. It was not included in the file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXX |  |  | FL | Primary Residence | Purchase | NA | 7483798 | N/A | N/A |
| XXXX | XXXX |  | 305033592 | Closed | 2026-02-06 03:38 | 2026-02-09 08:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) 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 provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on pages XXX and XXX.<br> Final Closing disclosure on page XXX.<br> Rate lock doc on pages XXX and XXX-XXX.<br> An interior and exterior appraisal was completed for this property on page XX. <br> A copy of the appraisal was given to the borrower on page XXX.<br> confirmation the appraisal was delivered to the borrower is on page XXX.<br> The loan does meet HPML Guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) 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 provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on pages XXX and XXX.<br> Final Closing disclosure on page XXX.<br> Rate lock doc on pages XXX and XXX-XXX.<br> An interior and exterior appraisal was completed for this property on page XX. <br> A copy of the appraisal was given to the borrower on page XXX.<br> confirmation the appraisal was delivered to the borrower is on page XXX.<br> The loan does meet HPML Guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7483796 | N/A | N/A |
| XXXX | XXXX |  | 305026128 | Closed | 2026-02-06 02:03 | 2026-02-23 23:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX SW- see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7483231 | N/A | N/A |
| XXXX | XXXX |  | 305026128 | Closed | 2026-02-06 02:45 | 2026-02-20 07:12 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Each borrower must have X eligible credit scores to support sufficient history. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX CW: XXX FICO score is correct as evidenced by the credit report. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Shows FICO Score as XXX, Audited Mid-FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. XXXX Shows FICO Score as XXX, Audited Mid-FICO is XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Each borrower must have X eligible credit scores to support sufficient history. <br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7483460 | N/A | N/A |
| XXXX | XXXX |  | 305044777 | Closed | 2026-02-09 22:34 | 2026-02-20 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-X/XX NR: Please see attached page X of the appraisal showing that XXXX with XX units is the project for the condo. XXXX is an approved condo by Fannie Mae and a questionnaire is not required. - Due Diligence Vendor-XX/XX/XXXX <br> Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is Missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document clears the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7529448 | N/A | N/A |
| XXXX | XXXX |  | 305038988 | Closed | 2026-02-10 09:45 | 2026-02-17 08:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing in File Required to Run Compliance Test. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received and updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7539500 | N/A | N/A |
| XXXX | XXXX |  | 305038988 | Closed | 2026-02-17 03:53 | 2026-02-17 04:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7646695 | N/A | N/A |
| XXXX | XXXX |  | 305042219 | Closed | 2026-02-11 05:36 | 2026-02-27 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Assets from account #XXXX has been excluded, Available assets are sufficient for reserves, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please exclude these assets, they are not needed - Due Diligence Vendor-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Access letter to all funds from account #XXXX (Joint Account page #XXX) missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Assets from account #XXXX has been excluded, Available assets are sufficient for reserves, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7555229 | N/A | N/A |
| XXXX | XXXX |  | 305042219 | Closed | 2026-02-11 05:32 | 2026-02-26 23:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Executed Initial XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open- initial XXXX with Loan Officer & Borrowers signatures missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed Initial XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7555036 | N/A | N/A |
| XXXX | XXXX |  | 305042219 | Closed | 2026-02-11 01:14 | 2026-02-18 04:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing GAP report or Proof of Undisclosed Debt Monitoring within XX days of closing date missing from file. <br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7553007 | N/A | N/A |
| XXXX | XXXX |  | 305042219 | Closed | 2026-02-11 01:14 | 2026-02-18 04:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing GAP report or Proof of Undisclosed Debt Monitoring within XX days of closing date missing from file. <br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7553006 | N/A | N/A |
| XXXX | XXXX |  | 305042219 | Closed | 2026-02-11 05:30 | 2026-02-18 01:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Requested Xst page of "Assignment of Lease and Rent Riders" document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Assignment of Lease and Rent Riders missing page X of X. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested Xst page of "Assignment of Lease and Rent Riders" document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7555025 | N/A | N/A |
| XXXX | XXXX |  | 305047467 | Closed | 2026-02-11 01:01 | 2026-02-20 07:13 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved- Each borrower must have X eligible credit scores to support sufficient history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX XX: The middle score would be XXX. This is further confirmed by the XXXXXX XXX XXXXXXX XXXXX, which states: "When three credit scores are obtained, choose the middle score. This loan should be qualifying with XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Considered primary wage earner as qualifying FICO score as XXX, but in XXXX given FICO score as XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- Each borrower must have X eligible credit scores to support sufficient history. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7552966 | N/A | N/A |
| XXXX | XXXX |  | 305047160 | Closed | 2026-02-11 05:36 | 2026-02-17 15:42 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX approves exception for missing BP Occ Aff at time of application. One is provided at closing. Comp Factors: XXX FICO, XXX mos reserves. - XXXXX-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7555230 | Investor Post-Close | No |
| XXXX | XXXX |  | 305044836 | Closed | 2026-02-11 10:46 | 2026-02-17 07:36 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Escalated to XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX: Please clarify the disclosures being cited so we can better assist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) Confirmed the disclosed finance charge is below the actual finance charge. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7563244 | N/A | N/A |
| XXXX | XXXX |  | 305050648 | Closed | 2026-02-12 05:37 | 2026-02-12 14:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Final HUD provided in file is not legible to read. provide updated HUD document - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 7578732 | N/A | N/A |
| XXXX | XXXX |  | 305050648 | Closed | 2026-02-12 05:03 | 2026-02-12 14:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Received complete executed Note updated Note page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX <br>Open-The Note is Incomplete Note page X of X is missing in file. Provide missing documentation - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - XXXXXX-XX/XX/XXXX<br>| Resolved-Received complete executed Note updated Note page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 7578160 | N/A | N/A |
| XXXX | XXXX |  | 305040508 | Closed | 2026-02-11 05:01 | 2026-02-18 01:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated title coverage provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Title Commitment - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX, we need updated title report with amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested updated title document with updated title coverage provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NM | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7554580 | N/A | N/A |
| XXXX | XXXX |  | 305040508 | Closed | 2026-02-11 06:24 | 2026-02-17 08:00 | Resolved | 1 - Information C A | Compliance | Predatory:DocType | New Mexico - Documentation Type (Home Loan)(07/09) | Resolved-All factors have been document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX X/XX Please see attached which shows the Underwriting fee is covered by lender credit. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXX XXXXXX XXXX XXXX XXXXXXXXXX XXX requires Full documentation of a "home loan." (X.X. Stat. Ann. XX-XXA-X(C)) The new mexico home loan protection act requires full documentation of a "home loan:, as state specific finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-All factors have been document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | NM | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7556332 | N/A | N/A |
| XXXX | XXXX |  | 305044583 | Closed | 2026-02-13 04:31 | 2026-02-19 02:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 7603385 | N/A | N/A |
| XXXX | XXXX |  | 305044583 | Closed | 2026-02-13 04:31 | 2026-02-19 02:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 7603384 | N/A | N/A |
| XXXX | XXXX |  | 305044924 | Closed | 2026-02-17 10:02 | 2026-02-24 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Loan qualified at Note rate per investor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Loan qualified at Note Rate as required for Investor - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX provided. Subject property payment reflects P&I of $XXXX.XX. Per XX's, Interest only payment (ITIA) is used for qualifying. Audited I/O Payment of $XXXX.XX plus Tax amount $XXX.XX + HOI premium $XXX.XX + HOA Fees $XXX = $XXX.XX $XXXX.XX ITIA. Additional Debt of $XXXX for Total Debt of $XXXX.XX. Front End DTI of XX.XXX and Back end DTI of XX.XX%<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Loan qualified at Note rate per investor. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 7657557 | N/A | N/A |
| XXXX | XXXX |  | 305044924 | Closed | 2026-02-17 10:36 | 2026-02-24 08:32 | Resolved | 1 - Information B A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-PDI provided. No damage - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-PDI provided states no damage. However, front window appears boarded up in front of house photos. Please provide clarification - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-PDI attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Property potentially affected by XXXX Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-PDI provided. No damage - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 7658621 | N/A | N/A |
| XXXX | XXXX |  | 305044924 | Closed | 2026-02-13 00:37 | 2026-02-19 02:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 7600781 | N/A | N/A |
| XXXX | XXXX |  | 305044924 | Closed | 2026-02-13 00:37 | 2026-02-19 02:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing borrower X gap credit report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested UDM in lieu of gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 7600780 | N/A | N/A |
| XXXX | XXXX |  | 305012672 | Closed | 2026-02-12 03:55 | 2026-02-24 07:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see attached Lock Sheets and corresponding disclosure. On X-XX the loan was relocked, negative pricing disclosed to the borrower on X-XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide Change of Circumstances for Lender Credit Decreased in Final Closing Disclosure as per Final Disclosure $X,XXX.XX Whereas as per Initial Loan Estimate $X,XXX Decreased by -$X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  | XXXX |  |  | TX | Primary Residence | Purchase | NA | 7577421 | N/A | N/A |
| XXXX | XXXX |  | 305033681 | Closed | 2026-02-12 04:08 | 2026-02-24 06:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Documentation clears the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX MM: The borrower is still pending the documentation for the work authorization. This document shows that this is still under approval but the document is good until XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Please provide the I-XXX for work authorization. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX MM: Please see the attached document that is a IXXXX case type which isDeferred action is an act of prosecutorial discretion to defer removal of an individual. Individuals who receive deferred action will not be removed from the United States for a specified period of time, unless the Department of Homeland Security (DHS) chooses to terminate the grant of deferred action. The borrower has submitted this document to ask for approval consideration. There is no ID card to provide. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Permanent Resident Alien, Permanent ID Document is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Documentation clears the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 7577520 | N/A | N/A |
| XXXX | XXXX |  | 305033681 | Closed | 2026-02-12 04:36 | 2026-02-13 11:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XX . The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XX . The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 7577792 | N/A | N/A |
| XXXX | XXXX |  | 305036850 | Closed | 2026-02-12 05:32 | 2026-02-17 01:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Title Commitment - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The title coverage amount of $XXXXXX is less than loan amount $XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 7578663 | N/A | N/A |
| XXXX | XXXX |  | 305031653 | Closed | 2026-02-12 07:06 | 2026-02-13 15:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 7581182 | N/A | N/A |
| XXXX | XXXX |  | 305031653 | Closed | 2026-02-12 07:06 | 2026-02-13 15:12 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-XXX-XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-XXX-XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.XX%) plus X.XX. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.XX to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(A)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX- XX the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 7581184 | N/A | N/A |
| XXXX | XXXX |  | 305040509 | Closed | 2026-02-23 20:47 | 2026-02-25 07:02 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Received and Intent To Proceed | Resolved-Intent to Proceed was completed on X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Corrected Intent to Proceed received with the date of X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-LL X/XX The LE and the ITP were sent and signed by the borrower on the same day. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The date the consumer indicated an intent to proceed with a transaction (XXXX-XX-XX) is before the date the consumer received the Loan Estimate (XXXX-XX-XX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under XXXXXXXXXX X, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (XX XXX XXXX.XX(e)(X)(i)(A)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Intent to Proceed was completed on X/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Corrected Intent to Proceed received with the date of X/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 7771550 | N/A | N/A |
| XXXX | XXXX |  | 305040509 | Closed | 2026-02-12 23:31 | 2026-02-24 07:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-LOX sent to the customer. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-TF X/XX Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Final Closing Disclosure The Final CD in the file shows the closing date as X/XX/XX; however, the note date shows the closing was on XX/XX/XX. Provide updated Final CD with correct closing date. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-LOX sent to the customer. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 7600191 | N/A | N/A |
| XXXX | XXXX |  | 305040509 | Closed | 2026-02-12 22:54 | 2026-02-20 06:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated income calculation sheet provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide the income calc worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested updated income calculation sheet provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 7599838 | N/A | N/A |
| XXXX | XXXX |  | 305040509 | Closed | 2026-02-13 04:44 | 2026-02-20 01:49 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Condition raised for "Unable to verify borrower XX months primary housing history" but payment history present in file on page #XXX showing last XX Months payments, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify borrower XX months primary housing history. Provide VOM or supplement credit report to show free and clear status. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Condition raised for "Unable to verify borrower XX months primary housing history" but payment history present in file on page #XXX showing last XX Months payments, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 7603799 | N/A | N/A |
| XXXX | XXXX |  | 304911406 | Closed | 2026-02-14 02:44 | 2026-02-17 15:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7621822 | N/A | N/A |
| XXXX | XXXX |  | 305029752 | Closed | 2026-02-14 22:14 | 2026-03-03 00:47 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Master policy with the updated expiration date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/X XXX: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Provide Updated Master Policy reflecting an expiration date after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Master policy with the updated expiration date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 7623815 | N/A | N/A |
| XXXX | XXXX |  | 305029752 | Closed | 2026-02-14 23:17 | 2026-03-03 07:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 7623956 | N/A | N/A |
| XXXX | XXXX |  | 305047469 | Closed | 2026-02-15 01:46 | 2026-02-17 15:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan meets XXXX guidelines and is a compliant XXXX loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets XXXX guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7624162 | N/A | N/A |
| XXXX | XXXX |  | 305050794 | Closed | 2026-02-17 03:02 | 2026-02-24 13:51 | Cured | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Cured-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The loan was not locked at time of initial disclosures, while the borrower didn't make an election, they did sign the intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Provide Anti-Steering Disclosure which is missing from loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Cured-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-Client acknowledged. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7646036 | N/A | N/A |
| XXXX | XXXX |  | 305047280 | Closed | 2026-02-17 23:21 | 2026-02-24 13:51 | Cured | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Cured-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Escalated-Escalated to Compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Escalated to Compliance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-The loan was not locked at time of initial disclosures, while the borrower didn't make an election, they did sign the intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is paid by lender, this requires an Anti-Steering Disclosure, missing from loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Cured-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-Client acknowledges the findings. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7670823 | N/A | N/A |
| XXXX | XXXX |  | 305047280 | Closed | 2026-02-17 21:43 | 2026-02-23 02:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after <br> closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7670121 | N/A | N/A |
| XXXX | XXXX |  | 305042216 | Closed | 2026-02-17 03:04 | 2026-02-23 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated XXXX and XXXX provided reflecting Tax amount XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-taxes are $X,XXX.XX/XX= XXX.XX - updated XXXX/XXXX attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Per page XXX current year total taxes are $X,XXX.XX/XX= XXX.XX, not matching with taxes of XXXX & Final CD $X,XXX.XX\*XX = $XX,XXX.XX (Property taxes are X,XXX.XX, City taxes are X,XXX.XX, County Taxes are X,XXX.XX), Need updated tax cert with with taxes of $XX,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated XXXX and XXXX provided reflecting Tax amount XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7646055 | N/A | N/A |
| XXXX | XXXX |  | 305042216 | Closed | 2026-02-17 05:55 | 2026-02-23 15:46 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed Intent to Proceed provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required signed intent to proceed on Primary Residence and Second Homes. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Executed Intent to Proceed provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7649560 | N/A | N/A |
| XXXX | XXXX |  | 305042216 | Closed | 2026-02-17 03:48 | 2026-02-23 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7646623 | N/A | N/A |
| XXXX | XXXX |  | 305051347 | Closed | 2026-02-18 03:44 | 2026-02-24 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Xrd party fraud report received and accepted. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Missing fraud report in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Xrd party fraud report received and accepted. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7672289 | N/A | N/A |
| XXXX | XXXX |  | 305051347 | Closed | 2026-02-18 02:24 | 2026-02-23 23:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provided title document coverage amount of $XXXXXX, however loan amount is $XXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7671731 | N/A | N/A |
| XXXX | XXXX |  | 305051347 | Closed | 2026-02-18 03:06 | 2026-02-23 01:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after <br> closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Gap credit report provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7672054 | N/A | N/A |
| XXXX | XXXX |  | 305051347 | Closed | 2026-02-18 03:06 | 2026-02-23 01:53 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property is F&C per uploaded docs. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-ATTACHED was owned free/clear - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History verified from page XXX from November XXXX; however, before that borrower lived on XXXX prairie wing property which was sold. Unable to verify the months history. Provide updated documents. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Property is F&C per uploaded docs. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7672053 | N/A | N/A |
| XXXX | XXXX |  | 305044932 | Closed | 2026-02-23 10:17 | 2026-02-24 04:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report showing no new credit or inquiries, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-UDM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received UDM report showing no new credit or inquiries, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7758490 | N/A | N/A |
| XXXX | XXXX |  | 305044932 | Closed | 2026-02-19 00:45 | 2026-02-23 23:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Per the XX XX-XX-XXXX page # XX a fraud report is required. The Fraud report is missing in file. Provide fraud report document.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7691097 | N/A | N/A |
| XXXX | XXXX |  | 305034559 | Closed | 2026-02-23 02:11 | 2026-02-25 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Purchase | NA | 7746495 | N/A | N/A |
| XXXX | XXXX |  | 305034559 | Closed | 2026-02-23 02:48 | 2026-02-25 17:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-The community is not in the NFIP; however, the flood certificate shows the zone as X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Flood Cert - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Flood Certificate is Partially Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The community is not in the NFIP; however, the flood certificate shows the zone as X. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Purchase | NA | 7746674 | N/A | N/A |
| XXXX | XXXX |  | 305034559 | Closed | 2026-02-23 03:18 | 2026-02-25 17:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Fraud report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Document clears the finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Purchase | NA | 7746864 | N/A | N/A |
| XXXX | XXXX |  | 305034559 | Closed | 2026-02-26 15:59 | 2026-02-26 16:13 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MI | Second Home | Purchase | NA | 7833310 | N/A | N/A |

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## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.34**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304643641 | XXXX A D |
| XXXX |  | 304498148 | XXXX C A |
| XXXX |  | 304724749 | XXXX D A |
| XXXX |  | 304765373 | XXXX D B A |
| XXXX |  | 305047437 | XXXX D A |
| XXXX |  | 304898727 | XXXX D A |
| XXXX |  | 305053618 | XXXX A |
| XXXX |  | 304848170 | XXXX D A |
| XXXX |  | 304898794 | XXXX C A |
| XXXX |  | 304898775 | XXXX A |
| XXXX |  | 304898769 | XXXX A |
| XXXX |  | 304898761 | XXXX A |
| XXXX |  | 304898740 | XXXX A |
| XXXX |  | 304898688 | XXXX A |
| XXXX |  | 304898636 | XXXX C A B |
| XXXX |  | 304898824 | XXXX D A B |
| XXXX |  | 304898791 | XXXX C A |
| XXXX |  | 304898788 | XXXX A |
| XXXX |  | 304898760 | XXXX A |
| XXXX |  | 304898741 | XXXX A |
| XXXX |  | 304898721 | XXXX C A |
| XXXX |  | 304898666 | XXXX C A |
| XXXX |  | 304898818 | XXXX C A |
| XXXX |  | 305047164 | XXXX D A |
| XXXX |  | 304865118 | XXXX A C |
| XXXX |  | 304892957 | XXXX A |
| XXXX |  | 305026126 | XXXX A |
| XXXX |  | 305026113 | XXXX A |
| XXXX |  | 305033645 | XXXX D A |
| XXXX |  | 304909518 | XXXX C A D B |
| XXXX |  | 304909519 | XXXX C A B |
| XXXX |  | 305027152 | XXXX C A |
| XXXX |  | 305035454 | XXXX D A |
| XXXX |  | 305048460 | XXXX D A |
| XXXX |  | 305047162 | XXXX D A |
| XXXX |  | 305026115 | XXXX A C |
| XXXX |  | 305028671 | XXXX C A |
| XXXX |  | 305028186 | XXXX C A |
| XXXX |  | 304911778 | XXXX D A |
| XXXX |  | 305035455 | XXXX D A |
| XXXX |  | 305040457 | XXXX C D A |
| XXXX |  | 305048434 | XXXX D C A |
| XXXX |  | 305030971 | XXXX A |
| XXXX |  | 305029651 | XXXX C A |
| XXXX |  | 305027041 | XXXX C D A |
| XXXX |  | 304911744 | XXXX A C |
| XXXX |  | 305029257 | XXXX D A B |
| XXXX |  | 305047499 | XXXX D A |
| XXXX |  | 305036078 | XXXX A |
| XXXX |  | 305047163 | XXXX D A C B |
| XXXX |  | 305048474 | XXXX A |
| XXXX |  | 305048364 | XXXX A C B |
| XXXX |  | 305044773 | XXXX A |
| XXXX |  | 305038351 | XXXX D A B |
| XXXX |  | 305032519 | XXXX D A |
| XXXX |  | 305029533 | XXXX A |
| XXXX |  | 305048477 | XXXX A |
| XXXX |  | 305054969 | XXXX A D B |
| XXXX |  | 305044790 | XXXX A |
| XXXX |  | 305048479 | XXXX A |
| XXXX |  | 305031493 | XXXX D A |
| XXXX |  | 305038017 | XXXX A |
| XXXX |  | 305048575 | XXXX A |
| XXXX |  | 305040469 | XXXX C A |
| XXXX |  | 305032491 | XXXX A D |
| XXXX |  | 305033732 | XXXX A |
| XXXX |  | 305048376 | XXXX D A |
| XXXX |  | 305031031 | XXXX A |
| XXXX |  | 305036855 | XXXX A B |
| XXXX |  | 305038777 | XXXX A |
| XXXX |  | 305048526 | XXXX A |
| XXXX |  | 305030694 | XXXX A |
| XXXX |  | 305047165 | XXXX A |
| XXXX |  | 305048314 | XXXX C A |
| XXXX |  | 305034672 | XXXX A D |
| XXXX |  | 305036280 | XXXX A |
| XXXX |  | 305036258 | XXXX A C |
| XXXX |  | 305029860 | XXXX D C A |
| XXXX |  | 305048587 | XXXX A |
| XXXX |  | 305030725 | XXXX A |
| XXXX |  | 305029749 | XXXX D A |
| XXXX |  | 305031000 | XXXX A |
| XXXX |  | 305036277 | XXXX A |
| XXXX |  | 305042228 | XXXX D A |
| XXXX |  | 304909609 | XXXX D A |
| XXXX |  | 305036265 | XXXX A |
| XXXX |  | 305036568 | XXXX A |
| XXXX |  | 305048530 | XXXX B A |
| XXXX |  | 305048533 | XXXX B A |
| XXXX |  | 305048532 | XXXX A D |
| XXXX |  | 305042214 | XXXX C A |
| XXXX |  | 305054663 | XXXX C A |
| XXXX |  | 305033589 | XXXX A |
| XXXX |  | 305038041 | XXXX A |
| XXXX |  | 305024451 | XXXX A C |
| XXXX |  | 305048278 | XXXX A |
| XXXX |  | 305036272 | XXXX A C |
| XXXX |  | 305013636 | XXXX D A |
| XXXX |  | 305033592 | XXXX A C |
| XXXX |  | 305029770 | XXXX A |
| XXXX |  | 305026128 | XXXX C A |
| XXXX |  | 305036797 | XXXX A |
| XXXX |  | 305034603 | XXXX A |
| XXXX |  | 305044910 | XXXX A |
| XXXX |  | 305036852 | XXXX A |
| XXXX |  | 305031483 | XXXX A |
| XXXX |  | 305036810 | XXXX A |
| XXXX |  | 305044777 | XXXX D A |
| XXXX |  | 305042227 | XXXX A C |
| XXXX |  | 305060679 | XXXX A |
| XXXX |  | 305038715 | XXXX A |
| XXXX |  | 305038988 | XXXX A D |
| XXXX |  | 305042219 | XXXX D A |
| XXXX |  | 305036808 | XXXX A |
| XXXX |  | 305047467 | XXXX C A |
| XXXX |  | 305047472 | XXXX A |
| XXXX |  | 305047160 | XXXX D A B |
| XXXX |  | 305044836 | XXXX A C |
| XXXX |  | 305050545 | XXXX A |
| XXXX |  | 305050648 | XXXX A D |
| XXXX |  | 305047763 | XXXX A |
| XXXX |  | 305040501 | XXXX A |
| XXXX |  | 305040508 | XXXX C A |
| XXXX |  | 305044583 | XXXX D A |
| XXXX |  | 305044924 | XXXX D C A |
| XXXX |  | 305012672 | XXXX A C |
| XXXX |  | 305033681 | XXXX D A |
| XXXX |  | 305036850 | XXXX C A |
| XXXX |  | 305031653 | XXXX A |
| XXXX |  | 305040509 | XXXX D A |
| XXXX |  | 304911406 | XXXX A |
| XXXX |  | 305029752 | XXXX C A |
| XXXX |  | 305047469 | XXXX A |
| XXXX |  | 305050794 | XXXX A B |
| XXXX |  | 305047280 | XXXX D C A |
| XXXX |  | 305042216 | XXXX D A |
| XXXX |  | 305051347 | XXXX D A |
| XXXX |  | 305044932 | XXXX D C A |
| XXXX |  | 305034559 | XXXX D A |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Appraisal Company** | **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 |  | 304643641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304498148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304724749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0222 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0222 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304765373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0067 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0067 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.09 | 53.09 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305053618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0438 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0438 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304848170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 44.32 | 44.32 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.42 | 65.42 | XXXX | XXXX |  |  | XXXX | XXXX | -.0748 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0748 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 304898761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.3 | 74.3 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.06 | 79.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304898688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.39 | 56.39 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 304898791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304898788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 304898760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.11 | 62.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304898741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304898721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 304898666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304898818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304865118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1698 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.1698 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304892957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.63 | 29.63 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305026126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305026113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | .0070 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305033645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304909518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0694 | Broker Price Opinion (BPO) Quick Sale | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0694 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 304909519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0617 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0617 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305027152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.2 | 33.2 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 305035454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305048460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305026115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.33 | 62.33 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305028671 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.82 | 68.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305028186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.81 | 42.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.5 | XXXX |
| XXXX |  | 304911778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.18 | 57.18 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305035455 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 43.46 | 43.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305040457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.84 | 75.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305048434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305030971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 305027041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.01 | 70.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304911744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.48 | 48.48 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 48.21 | 48.21 | XXXX | XXXX | .0000 | Other | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 63.21 | 63.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305048474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.92 | 89.92 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305048364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305044773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305038351 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305032519 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | 8.7753 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | 8.7753 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 35.11 | 35.11 | XXXX | XXXX | .0311 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0311 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX |  | 305054969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305044790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048479 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305031493 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 74.68 | 74.68 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.5 | XXXX |
| XXXX |  | 305038017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0038 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0038 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 305040469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 305032491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305033732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.2 | XXXX |
| XXXX |  | 305048376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305031031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305036855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0643 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305038777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.99 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.9 | XXXX |
| XXXX |  | 305048526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305030694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 61.51 | 61.51 | XXXX | XXXX | .0317 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0317 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305047165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | .0312 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 305034672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.22 | 39.22 | XXXX | XXXX | -.0651 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0651 | 98.0 | 0.02 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .1267 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | .1267 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.47 | 70.47 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305030725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.98 | 41.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305031000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.11 | 57.11 | XXXX | XXXX | -.0833 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305042228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.76 | 66.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 304909609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.16 | 62.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 305036265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.57 | 46.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305048532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.3 | XXXX |
| XXXX |  | 305042214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.02 | 66.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305054663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305033589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.97 | 84.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.5 | XXXX |
| XXXX |  | 305038041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.71 | 52.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305024451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.98 | 30.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305048278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305036272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.13 | 59.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305013636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.2 | XXXX |
| XXXX |  | 305033592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305029770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0730 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0730 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305026128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.94 | 71.94 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305036797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305034603 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 305044910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305036852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.0 | 33.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305031483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305036810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 53.76 | 53.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 305044777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305042227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1.3 | XXXX |
| XXXX |  | 305060679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305038715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305038988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.38 | 79.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305042219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305036808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305047467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 305047472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX |  | 305047160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305044836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.86 | 42.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 305050545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305050648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.0 | 64.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305047763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0185 | Broker Price Opinion (BPO) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0185 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305040501 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0090 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0090 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305040508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.5 | 20.5 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305044583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 2.2 | XXXX |
| XXXX |  | 305044924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305012672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305033681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0120 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0120 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305036850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.61 | 74.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305031653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| XXXX |  | 305040509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.39 | 39.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 304911406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0554 | AVM | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0554 | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 305029752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 305047469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 305050794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.56 | 48.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| XXXX |  | 305047280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305042216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.62 | 69.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX |  | 305051347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 305044932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.78 | 27.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.1 | XXXX |
| XXXX |  | 305034559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |

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