# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0001104659-23-002688
**Filing Date:** 2023-1
**Character Count:** 1648644
**Document Hash:** d8653f11a1cc551af4b99195ff23fe99
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-002688.hdr.sgml**: 20230110

**ACCESSION NUMBER**: 0001104659-23-002688

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

**PUBLIC DOCUMENT COUNT**: 19

**CONFORMED PERIOD OF REPORT**: 20230110

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

**FILED AS OF DATE**: 20230110

**DATE AS OF CHANGE**: 20230110

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 23521053

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 352170972

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

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEQUOIA RESIDENTIAL FUNDING INC
- **CENTRAL INDEX KEY:** 0001176320
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 352170972

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941
- **BUSINESS PHONE:** 415-389-7373

**MAIL ADDRESS:**
- **STREET 1:** ONE BELVEDERE PLACE,
- **STREET 2:** SUITE 300
- **CITY:** MILL VALLEY
- **STATE:** CA
- **ZIP:** 94941

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

___ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period ______________ to ______________.

Date of Report (Date of earliest event reported): ______________

Commission File Number of securitizer: ______________

<br> Central Index Key Number of securitizer: ______________

<br> <br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

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

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2023-1</u>

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

Central Index Key Number of issuing entity (if applicable): 0001960981

Central Index Key Number of underwriter (if applicable): N/A

<u>Cara Newman, (415) 389-7373</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

| | |
|:---|:---|
| **Item 2.01.** | **<u>Findings and Conclusions of a Third Party Due Diligence Report Obtained By</u> <u>the Issuer</u>** |

---

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.

**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.

Dated: January 10, 2023

---

| | | |
|:---|:---|:---|
| SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) | SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) | SEQUOIA RESIDENTIAL FUNDING, INC.<br> (Depositor) |
| By: | /s/ Jeremy Strom | /s/ Jeremy Strom |
|  | Name: | Jeremy Strom |
|  | Title: | President and Senior Officer in Charge of Securitization |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| <u>Exhibit Number</u> | <u>Exhibit Number</u> |
| [99.1](tm231680d1_ex99-1.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm231680d1_ex99-1.htm) |
| [99.2](tm231680d1_ex99-2.htm) | [Clayton Loan Level Tape Compare Upload](tm231680d1_ex99-2.htm) |
| [99.3](tm231680d1_ex99-3.htm) | [Clayton Rating Agency ATR QM Data Fields](tm231680d1_ex99-3.htm) |
| [99.4](tm231680d1_ex99-4.htm) | [Clayton ATR QM Upload](tm231680d1_ex99-4.htm) |
| [99.5](tm231680d1_ex99-5.htm) | [Clayton Valuations Summary](tm231680d1_ex99-5.htm) |
| [99.6](tm231680d1_ex99-6.htm) | [Clayton Conditions Report 2.0](tm231680d1_ex99-6.htm) |
| [99.7](tm231680d1_ex99-7.htm) | [Clayton Waived Conditions Summary](tm231680d1_ex99-7.htm) |
| [99.8](tm231680d1_ex99-8.htm) | [Canopy Financial Technology Partners LLC ("Canopy") Executive Summary](tm231680d1_ex99-8.htm) |
| [99.9](tm231680d1_ex99-9.htm) | [Canopy Securitization Report Set](tm231680d1_ex99-9.htm) |
| [99.10](tm231680d1_ex99-10.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm231680d1_ex99-10.htm) |
| [99.11](tm231680d1_ex99-11.htm) | [AMC Loan Securitization Report Set](tm231680d1_ex99-11.htm) |

---

## Exhibit 99.1

---

| | |
|:---|:---|
| **EXHIBIT 99.1** | **CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT** |

---

![(GRAPHIC)](tm231680d1_ex99-1img001.jpg)

![(GRAPHIC)](tm231680d1_ex99-1img002.jpg)

---

| |
|:---|
| **Due Diligence Narrative Report** |
| **December 30, 2022** |

---

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**TABLE OF CONTENTS**<br>

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &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 | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *6* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

SEMT 2023-1 Due Diligence Narrative Report Page \| 1 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;**CLAYTON CONTACT INFORMATION**<br>

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![(GRAPHIC)](tm231680d1_ex99-1img004.jpg) | **Chris Turk** | Client Service Manager |
|  |  | Phone: (813) 261-8905/E-mail: <u>cturk@clayton.com</u> |
| ![(GRAPHIC)](tm231680d1_ex99-1img004.jpg) | **Joe Ozment** | Director of Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

&nbsp;&nbsp;**OVERVIEW**<br>

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the SEMT 2023-1 transaction. The loans referenced in this narrative report were reviewed on a flow basis from September 2016 to November 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

&nbsp;&nbsp;**ORIGINATORS**<br>

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Retail | 202 | 72.66% |
| &nbsp;&nbsp;Broker | 68 | 24.46% |
| &nbsp;&nbsp;Correspondent | 8 | 2.88% |
| &nbsp;&nbsp;**Total** | **278** | **100.00%** |

---

&nbsp;&nbsp;**CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK**<br>

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<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

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

SEMT 2023-1 Due Diligence Narrative Report Page \| 2 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;SAMPLING<br>

For all originators in this transaction the loans received a Full Review. For Redwood Trust all of the loans were selected for a Full review and the remaining loans received a "Limited Review" as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | ***Loan Count <br> Reviewed by***<br>***Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | 278 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Limited Review** | 30 | &nbsp;&nbsp;Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.* |
|  |  | &nbsp;&nbsp;If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| &nbsp;&nbsp; **Total Loan**<br>**Population**  | 308 |  |

---

&nbsp;&nbsp;SPONSOR ACQUISITION CRITERIA<br>

The loans were originated to Redwood/Jumbo Program Eligibility Guide Select QM Version 2.3, 2.4, 2.5, 2.8, 2.9

&nbsp;&nbsp;LOAN GRADING<br>

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, Kroll and DBRS.

SEMT 2023-1 Due Diligence Narrative Report Page \| 3 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;TPR COMPONENT REVIEW SCOPE<br>

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

CREDIT REVIEW

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

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

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

&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;▪ Examined Data Verify risk evaluation report, which was ordered and received
by Clayton for income, employment, 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;▪ Original Appraisal Assessment

– 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;▪ Value Supported Analysis

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

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

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.

– Clayton did not have independent access to any valuation products ordered by the Sellers.

– Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

SEMT 2023-1 Due Diligence Narrative Report Page \| 4 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.

○ The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.

– Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

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

– 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;

– 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.

SEMT 2023-1 Due Diligence Narrative Report Page \| 5 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

On, June 15th, SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("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> 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.

Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all loans in this transaction.

&nbsp;&nbsp;DATA CAPTURE<br>

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

&nbsp;&nbsp;DATA INTEGRITY<br>

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 lender/client is stored in eCLAS;

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

&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

SEMT 2023-1 Due Diligence Narrative Report Page \| 6 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;**DATA COMPARE RESULTS**<br>

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

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | &nbsp;&nbsp;**%**<br>**Accuracy**  |
| &nbsp;&nbsp;Combined LTV | 25 | 91.01% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 116 | 58.27% |
| &nbsp;&nbsp;Occupancy Type | 5 | 98.20% |
| &nbsp;&nbsp;Original LTV | 25 | 91.01% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 24 | 91.37% |

---

Clayton received the following data fields listed below from RWT and provided a summary of the discrepancies above. We did not include the deltas found for borrower names and addresses for PII purposes.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Data Provided** | &nbsp;&nbsp;**Clayton provided Delta's** |
| &nbsp;&nbsp;**Combined LTV** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Debt to Income Ratio** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Note Rate** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Occupancy Type** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Original LTV** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Prepay Penalty Term** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Representative Credit Score for Grading** | &nbsp;&nbsp;**Yes** |
| &nbsp;&nbsp;**Sales Price** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Borrower 1 First Name** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Borrower 1 Last Name** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Street Address** | &nbsp;&nbsp;**No** |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;**No** |

---

SEMT 2023-1 Due Diligence Narrative Report Page \| 7 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

&nbsp;&nbsp;**CLAYTON DUE DILIGENCE RESULTS**<br>

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**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **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** | 88 | 9 | 25 | 56 | **178** |
| **Final** | **B** |  | 16 | 26 | 58 | **100** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **88** | **25** | **51** | **114** | **278** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 137 | 17 | 18 | 38 | **210** |
| **Final** | B |  | 20 | 9 | 39 | **68** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **137** | **37** | **27** | **77** | **278** |

---

**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 | 243 | 1 |  | 26 | **270** |
| **Final** | B |  | 2 | 6 |  | **8** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **243** | **3** | **6** | **26** | **278** |

---

SEMT 2023-1 Due Diligence Narrative Report Page \| 8 December 30, 2022

**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 | 170 | 5 | 25 | 34 | **234** |
| **Final** | B |  | 8 | 26 | 10 | **44** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **170** | **13** | **51** | **44** | **278** |

---

&nbsp;&nbsp;**CLAYTON THIRD PARTY REPORTS DELIVERED**<br>

Clayton furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;6. Waived Conditions Summary Report

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

&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;9. ATR QM Upload

SEMT 2023-1 Due Diligence Narrative Report Page \| 9 December 30, 2022

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&nbsp;&nbsp;**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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ 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:

○ 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

○ 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)

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– Other documentation in loan file

○ 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

&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

○ 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

○ 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

○ 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

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– 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

○ 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

– Loan purpose confirmed

○ 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 lender's name and "it's successors and assigns"

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

○ 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:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

SEMT 2023-1 Due Diligence Narrative Report Page \| 12 December 30, 2022

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&nbsp;&nbsp;**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:

○ 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

○ 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;&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;&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;&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;&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;&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;&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

SEMT 2023-1 Due Diligence Narrative Report Page \| 13 December 30, 2022

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– 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:

○ 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

– 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

○ 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:

○ 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.

○ 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

○ 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

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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:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ 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.

○ 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

○ 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.

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

○ 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.

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

○ RedBell "Valuation Risk Review" or ("VRR") means Supplier's alternative valuation product which consists of a review of a third-party valuation product (appraisal or BPO) by a licensed real estate appraiser. The review is conducted to confirm the value provided in the third-party valuation product or provide a new reconciled, independent value.

SEMT 2023-1 Due Diligence Narrative Report Page \| 15 December 30, 2022

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&nbsp;&nbsp;**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:

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

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

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

○ 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:

○ 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.

○ 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)

○ 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

**Truth in Lending Act and Regulation Z** – (continued)

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

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○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

○ 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)

○ ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.

○ TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

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

On, June 15th, SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("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.

**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;<br> Minnesota |  |

---

SEMT 2023-1 Due Diligence Narrative Report Page \| 17 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

B. State/Local High Cost

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**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  |
| &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 Cleveland Heights ordinance  |  |
| &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).

SEMT 2023-1 Due Diligence Narrative Report Page \| 18 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

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 mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp; **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.

SEMT 2023-1 Due Diligence Narrative Report Page \| 19 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)

**<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.)

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

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

SEMT 2023-1 Due Diligence Narrative Report Page \| 20 December 30, 2022

![](tm231680d1_ex99-1img003.jpg)© 2022 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.

SEMT 2023-1 Due Diligence Narrative Report Page \| 21 December 30, 2022

## Exhibit 99.2

---

| | |
|:---|:---|
| **EXHIBIT 99.2** | **CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *138* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 406063166 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 406063166 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408068690 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069490 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408069490 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069490 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408069506 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408069506 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408069767 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069893 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408069893 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408069895 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408069895 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069895 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408069895 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070028 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070479 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070479 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070492 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070590 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070627 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070816 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070874 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070883 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070883 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071012 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071096 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071198 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071389 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071479 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071479 | XXXXX | Occupancy Type | Primary | Second Home |
| 408071564 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071579 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071585 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071610 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071624 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071633 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071633 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071667 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071704 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071704 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408071712 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071744 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071744 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071775 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071799 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071819 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071819 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408071827 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071867 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071873 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071873 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071875 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071877 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071923 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071923 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071936 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071951 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071951 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071951 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072060 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072077 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072077 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072078 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072097 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072133 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072155 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072256 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072265 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072269 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072272 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072279 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072279 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072301 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072303 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072312 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072324 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072326 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072329 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072357 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072379 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072384 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072384 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072384 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072426 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072426 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072426 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072458 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072475 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072477 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072477 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072489 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072489 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072489 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072491 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072529 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072529 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072535 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072535 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072590 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072640 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072658 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072735 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072738 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072738 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072739 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072739 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072739 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072783 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072804 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072806 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072836 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072836 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072839 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072839 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072839 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072881 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072897 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072943 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072967 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072982 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073015 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073031 | XXXXX | Occupancy Type | Primary | Second Home |
| 408073051 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073053 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073091 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073093 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073096 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073100 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073101 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073124 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073124 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073124 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073126 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073131 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073131 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073131 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073149 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073156 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073168 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073168 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073183 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073218 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073218 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073220 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073220 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073245 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073249 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073255 | XXXXX | Occupancy Type | Primary | Second Home |
| 408073273 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073278 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073281 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073313 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073314 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073339 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073362 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073362 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073362 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073368 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073413 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073413 | XXXXX | Occupancy Type | Primary | Second Home |
| 408073416 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073428 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073428 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073428 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073430 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073430 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073434 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073434 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073434 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073434 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073460 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073460 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073477 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073483 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073483 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073495 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073507 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073507 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073522 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073526 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073568 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073574 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073583 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073583 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073583 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073587 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073591 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073598 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073603 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073612 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073620 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073636 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073668 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073701 | XXXXX | Occupancy Type | Primary | Second Home |

---

©2022 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 99.3

---

| | |
|:---|:---|
| **EXHIBIT 99.3** | **CLAYTON RATING AGENCY ATR QM DATA FIELDS**  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *278* |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** |
| 406063166 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 5861.5 | XXXXXX | 4.2758 | Employed |
| 408062021 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2095 | XXXXXX | 4.1593 | Employed |
| 408068690 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1696 | XXXXXX | 3.2891 | Employed |
| 408069450 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3196 | XXXXXX | 3.9113 | Employed |
| 408069467 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX | 4.0066 | Employed |
| 408069490 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX | 3.7538 | Employed |
| 408069506 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7518.6 | XXXXXX | 5.0327 | Employed |
| 408069716 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15501.99 | XXXXXX | 4.4013 | Employed |
| 408069767 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18123.75 | XXXXXX | 4.8881 | Employed |
| 408069795 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11120 | XXXXXX | 3.9961 | Employed |
| 408069893 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12776.19 | XXXXXX | 3.9196 | Employed |
| 408069895 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1398 | XXXXXX | 3.9125 | Employed |
| 408069992 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2560.25 | XXXXXX | 3.9093 | Retired |
| 408070028 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1425.25 | XXXXXX | 3.7824 | Retired |
| 408070446 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1098 | XXXXXX | 3.8876 | Employed |
| 408070479 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12040.3 | XXXXXX | 4.9858 | Employed |
| 408070492 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1890 | XXXXXX | 3.05 | Employed |
| 408070543 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2046.34 | XXXXXX | 4.425 | Employed |
| 408070590 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6974.38 | XXXXXX | 5.8359 | Employed |
| 408070612 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13008.21 | XXXXXX | 4.0074 | Employed |
| 408070627 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20382.8 | XXXXXX | 3.9437 | Employed |
| 408070671 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6904.59 | XXXXXX | 4.7919 | Employed |
| 408070691 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1095 | XXXXXX | 4.7641 | Employed |
| 408070816 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 33142.5 | XXXXXX | 5.0128 | Employed |
| 408070874 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX | 4.5641 | Employed |
| 408070883 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8076.06 | XXXXXX | 4.9539 | Employed |
| 408070998 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4577.64 | XXXXXX | 4.3028 | Employed |
| 408071012 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1490 | XXXXXX | 4.9631 | Employed |
| 408071026 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2025.25 | XXXXXX | 3.9454 | Employed |
| 408071096 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1550 | XXXXXX | 4.8955 | Employed |
| 408071098 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1745 | XXXXXX | 4.8479 | Employed |
| 408071125 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9216.88 | XXXXXX | 4.818 | Employed |
| 408071198 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12740 | XXXXXX | 4.0253 | Employed |
| 408071211 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1373 | XXXXXX | 4.6022 | Employed |
| 408071315 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1790 | XXXXXX | 4.854 | Employed |
| 408071389 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 4.8726 | Employed |
| 408071405 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5963 | XXXXXX | 4.9471 | Employed |
| 408071461 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6278.75 | XXXXXX | 4.8258 | Employed |
| 408071479 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18949 | XXXXXX | 4.8372 | Employed |
| 408071520 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2140 | XXXXXX | 5.0119 | Employed |
| 408071546 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10215.01 | XXXXXX | 5.0249 | Employed |
| 408071547 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18470.18 | XXXXXX | 4.6629 | Employed |
| 408071552 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11558.72 | XXXXXX | 5.3611 | Employed |
| 408071562 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX | 4.5254 | Retired |
| 408071564 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1595 | XXXXXX | 4.573 | Employed |
| 408071573 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2093.75 | XXXXXX | 4.9847 | Employed |
| 408071575 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1053.26 | XXXXXX | 4.6505 | Employed |
| 408071579 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1845 | XXXXXX | 4.6629 | Employed |
| 408071585 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14999.99 | XXXXXX | 5.0068 | Employed |
| 408071610 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11749 | XXXXXX | 4.7801 | Employed |
| 408071624 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3294 | XXXXXX | 4.6577 | Employed |
| 408071633 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 39632.2 | XXXXXX | 5.1415 | Employed |
| 408071649 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 22788.59 | XXXXXX | 5.1516 | Employed |
| 408071667 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1485 | XXXXXX | 4.9044 | Employed |
| 408071676 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10500 | XXXXXX | 4.6512 | Employed |
| 408071704 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1845 | XXXXXX | 5.0384 | Employed |
| 408071708 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1845 | XXXXXX | 4.6411 | Employed |
| 408071712 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 27191.88 | XXXXXX | 5.8574 | Employed |
| 408071718 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13931.08 | XXXXXX | 4.8012 | Employed |
| 408071735 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9095 | XXXXXX | 5.0257 | Employed |
| 408071744 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 110 | XXXXXX | 4.7511 | Employed |
| 408071758 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16710 | XXXXXX | 5.0785 | Employed |
| 408071775 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15545 | XXXXXX | 5.0719 | Employed |
| 408071799 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11670 | XXXXXX | 4.5449 | Employed |
| 408071802 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 950 | XXXXXX | 4.5159 | Employed |
| 408071819 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2318.78 | XXXXXX | 5.5503 | Employed |
| 408071827 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7299 | XXXXXX | 4.6065 | Employed |
| 408071854 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1590 | XXXXXX | 4.8943 | Employed |
| 408071867 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 995 | XXXXXX | 4.7596 | Employed |
| 408071873 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17799 | XXXXXX | 4.7853 | Employed |
| 408071875 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX | 4.8893 | Employed |
| 408071877 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2132.5 | XXXXXX | 4.5805 | Employed |
| 408071923 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2065 | XXXXXX | 5.3643 | Employed |
| 408071926 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1764 | XXXXXX | 6.1081 | Employed |
| 408071936 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14955 | XXXXXX | 4.989 | Employed |
| 408071951 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1696 | XXXXXX | 5.3317 | Employed |
| 408071977 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1340 | XXXXXX | 4.7677 | Employed |
| 408071985 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1275 | XXXXXX | 4.76 | Employed |
| 408072009 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10999 | XXXXXX | 4.6267 | Employed |
| 408072036 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7029 | XXXXXX | 5.4979 | Employed |
| 408072053 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1595 | XXXXXX | 4.8241 | Employed |
| 408072055 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2345 | XXXXXX | 4.8942 | Employed |
| 408072060 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9565.33 | XXXXXX | 4.8733 | Employed |
| 408072061 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2775 | XXXXXX | 4.7217 | Employed |
| 408072077 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4984.38 | XXXXXX | 6.0635 | Employed |
| 408072078 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13027.4 | XXXXXX | 6.1858 | Employed |
| 408072097 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1195 | XXXXXX | 4.8964 | Employed |
| 408072133 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1495 | XXXXXX | 5.5393 | Employed |
| 408072150 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15245 | XXXXXX | 5.0157 | Employed |
| 408072155 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11550 | XXXXXX | 5.1301 | Employed |
| 408072236 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1995.5 | XXXXXX | 5.0495 | Employed |
| 408072237 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12805 | XXXXXX | 6.152 | Employed |
| 408072240 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2550.25 | XXXXXX | 4.9192 | Retired |
| 408072256 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4655.4 | XXXXXX | 6.5315 | Employed |
| 408072259 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 450 | XXXXXX | 5.0317 | Employed |
| 408072265 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10949 | XXXXXX | 4.9373 | Employed |
| 408072267 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1250 | XXXXXX | 4.8995 | Employed |
| 408072269 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 5.2595 | Employed |
| 408072272 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1802.25 | XXXXXX | 5.0187 | Employed |
| 408072279 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1825.25 | XXXXXX | 4.8337 | Employed |
| 408072283 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1695 | XXXXXX | 4.883 | Employed |
| 408072301 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9180.5 | XXXXXX | 4.7937 | Employed |
| 408072303 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX | 5.8993 | Employed |
| 408072312 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15495 | XXXXXX | 4.8584 | Employed |
| 408072324 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1500 | XXXXXX | 5.0377 | Employed |
| 408072326 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 4.8985 | Employed |
| 408072329 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16095 | XXXXXX | 5.0218 | Employed |
| 408072343 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX | 5.5306 | Employed |
| 408072345 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1675 | XXXXXX | 5.0457 | Employed |
| 408072357 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12222.9 | XXXXXX | 5.0623 | Employed |
| 408072379 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1745 | XXXXXX | 5.0582 | Employed |
| 408072384 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6793 | XXXXXX | 4.9532 | Employed |
| 408072408 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5720 | XXXXXX | 5.0715 | Employed |
| 408072426 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4871.24 | XXXXXX | 5.1877 | Employed |
| 408072451 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2377.5 | XXXXXX | 4.9584 | Unemployed |
| 408072458 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1165 | XXXXXX | 5.3457 | Employed |
| 408072462 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11126.68 | XXXXXX | 5.5592 | Employed |
| 408072475 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX | 5.4006 | Employed |
| 408072477 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2265 | XXXXXX | 5.1135 | Employed |
| 408072480 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18221.4 | XXXXXX | 5.898 | Employed |
| 408072489 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5093 | XXXXXX | 4.9209 | Employed |
| 408072491 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1300 | XXXXXX | 5.0361 | Employed |
| 408072508 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1175 | XXXXXX | 5.9213 | Employed |
| 408072529 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1435 | XXXXXX | 5.5471 | Employed |
| 408072535 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1549 | XXXXXX | 5.6784 | Employed |
| 408072561 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1324 | XXXXXX | 5.5303 | Employed |
| 408072589 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1092.5 | XXXXXX | 5.6712 | Employed |
| 408072590 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9674.1 | XXXXXX | 5.6193 | Employed |
| 408072621 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8227.5 | XXXXXX | 5.5589 | Employed |
| 408072640 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 825 | XXXXXX | 5.3854 | Employed |
| 408072658 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1295.5 | XXXXXX | 5.5152 | Employed |
| 408072682 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX | 5.6704 | Employed |
| 408072684 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 24813 | XXXXXX | 5.6902 | Employed |
| 408072705 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9127.6 | XXXXXX | 5.1849 | Employed |
| 408072727 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7565 | XXXXXX | 5.7208 | Employed |
| 408072735 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 5.6431 | Unemployed |
| 408072738 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1495 | XXXXXX | 5.7844 | Employed |
| 408072739 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1795 | XXXXXX | 5.1357 | Employed |
| 408072783 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2311.27 | XXXXXX | 5.398 | Employed |
| 408072790 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2550.25 | XXXXXX | 4.5473 | Retired |
| 408072804 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 5.3994 | Employed |
| 408072806 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 27590.85 | XXXXXX | 6.6105 | Employed |
| 408072810 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7562 | XXXXXX | 5.6932 | Employed |
| 408072829 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23990 | XXXXXX | 5.8164 | Employed |
| 408072831 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15990 | XXXXXX | 5.803 | Employed |
| 408072836 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.1186 | Employed |
| 408072837 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1550 | XXXXXX | 5.6381 | Employed |
| 408072839 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4490.49 | XXXXXX | 5.459 | Unemployed |
| 408072867 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1695 | XXXXXX | 6.7505 | Employed |
| 408072874 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1525.25 | XXXXXX | 6.1527 | Employed |
| 408072879 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17226.5 | XXXXXX | 5.5305 | Employed |
| 408072881 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3313.9 | XXXXXX | 6.7802 | Employed |
| 408072897 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15020 | XXXXXX | 4.9208 | Employed |
| 408072906 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1270 | XXXXXX | 4.897 | Employed |
| 408072919 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2116.48 | XXXXXX | 5.0813 | Employed |
| 408072920 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8960.13 | XXXXXX | 5.5526 | Employed |
| 408072929 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2265 | XXXXXX | 5.5348 | Employed |
| 408072931 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1495 | XXXXXX | 5.5199 | Employed |
| 408072932 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3210.58 | XXXXXX | 5.6496 | Employed |
| 408072935 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1560.25 | XXXXXX | 5.2875 | Employed |
| 408072937 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11293.3 | XXXXXX | 5.7578 | Employed |
| 408072943 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1665.25 | XXXXXX | 5.415 | Employed |
| 408072966 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 913 | XXXXXX | 6.2787 | Employed |
| 408072967 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2823.77 | XXXXXX | 5.8037 | Employed |
| 408072982 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15260 | XXXXXX | 7.4309 | Employed |
| 408072986 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 5.1412 | Employed |
| 408073001 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1785.25 | XXXXXX | 5.9649 | Employed |
| 408073005 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2249 | XXXXXX | 4.8756 | Employed |
| 408073015 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11888.56 | XXXXXX | 5.7777 | Employed |
| 408073031 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12759.6 | XXXXXX | 7.0676 | Employed |
| 408073043 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1730 | XXXXXX | 7.0083 | Employed |
| 408073051 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 25836.5 | XXXXXX | 6.3715 | Employed |
| 408073053 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1290 | XXXXXX | 5.9791 | Employed |
| 408073057 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 24103 | XXXXXX | 6.5187 | Employed |
| 408073069 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1720.25 | XXXXXX | 5.9939 | Employed |
| 408073081 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20240.68 | XXXXXX | 6.3121 | Employed |
| 408073084 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 110.25 | XXXXXX | 5.8874 | Employed |
| 408073091 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10283 | XXXXXX | 6.6199 | Employed |
| 408073093 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16800.46 | XXXXXX | 7.1326 | Employed |
| 408073096 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12788.76 | XXXXXX | 6.1163 | Retired |
| 408073100 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1512.45 | XXXXXX | 6.3918 | Employed |
| 408073101 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13057.54 | XXXXXX | 7.3588 | Employed |
| 408073122 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14429.8 | XXXXXX | 7.1343 | Employed |
| 408073124 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1696 | XXXXXX | 6.0543 | Employed |
| 408073126 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 6.0095 | Employed |
| 408073131 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1775 | XXXXXX | 6.6085 | Employed |
| 408073149 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3106.8 | XXXXXX | 6.0124 | Employed |
| 408073156 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1750.25 | XXXXXX | 5.8175 | Employed |
| 408073168 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4652 | XXXXXX | 6.2881 | Unemployed |
| 408073183 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 543 | XXXXXX | 5.7828 | Employed |
| 408073186 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1065 | XXXXXX | 5.8917 | Employed |
| 408073191 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1285 | XXXXXX | 6.1935 | Retired |
| 408073218 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 26746.52 | XXXXXX | 5.57 | Employed |
| 408073219 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2338.25 | XXXXXX | 6.7856 | Employed |
| 408073220 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1855 | XXXXXX | 5.7904 | Employed |
| 408073235 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9996.88 | XXXXXX | 5.7573 | Employed |
| 408073239 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1905 | XXXXXX | 5.8063 | Employed |
| 408073245 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14039.75 | XXXXXX | 5.9182 | Employed |
| 408073246 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17754 | XXXXXX | 5.9704 | Employed |
| 408073249 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6733.06 | XXXXXX | 5.8286 | Employed |
| 408073252 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23145 | XXXXXX | 5.9106 | Employed |
| 408073255 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7476.5 | XXXXXX | 7.0235 | Employed |
| 408073273 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5340 | XXXXXX | 6.8268 | Employed |
| 408073278 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX | 5.655 | Employed |
| 408073281 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1715 | XXXXXX | 5.9213 | Employed |
| 408073297 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11878.28 | XXXXXX | 6.4561 | Employed |
| 408073313 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1743 | XXXXXX | 5.7661 | Employed |
| 408073314 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17464.99 | XXXXXX | 5.4162 | Unemployed |
| 408073315 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2034.5 | XXXXXX | 5.6669 | Employed |
| 408073323 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1776.75 | XXXXXX | 5.6676 | Employed |
| 408073324 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15000 | XXXXXX | 5.6481 | Employed |
| 408073328 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5292 | XXXXXX | 5.4542 | Employed |
| 408073334 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23099 | XXXXXX | 5.7899 | Employed |
| 408073337 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1350 | XXXXXX | 5.6573 | Employed |
| 408073339 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7555 | XXXXXX | 6.5062 | Employed |
| 408073350 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1489 | XXXXXX | 5.4839 | Employed |
| 408073355 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23495 | XXXXXX | 5.7982 | Retired |
| 408073362 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1475 | XXXXXX | 5.401 | Employed |
| 408073365 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23632.5 | XXXXXX | 6.0309 | Employed |
| 408073367 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1475 | XXXXXX | 5.732 | Employed |
| 408073368 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1535 | XXXXXX | 5.5533 | Employed |
| 408073372 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1748 | XXXXXX | 7.0565 | Employed |
| 408073379 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1982.25 | XXXXXX | 6.4465 | Employed |
| 408073394 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 21395 | XXXXXX | 5.9605 | Employed |
| 408073404 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1274 | XXXXXX | 5.6911 | Employed |
| 408073409 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1095 | XXXXXX | 5.6489 | Employed |
| 408073413 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8975 | XXXXXX | 6.2345 | Employed |
| 408073415 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8959 | XXXXXX | 5.7347 | Employed |
| 408073416 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6489.5 | XXXXXX | 5.5532 | Unemployed |
| 408073428 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1485 | XXXXXX | 5.6483 | Employed |
| 408073430 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2602.88 | XXXXXX | 6.5258 | Employed |
| 408073431 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 24723.8 | XXXXXX | 5.5463 | Employed |
| 408073434 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5650 | XXXXXX | 6.0585 | Employed |
| 408073453 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11682.5 | XXXXXX | 5.394 | Employed |
| 408073458 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1280 | XXXXXX | 5.6444 | Employed |
| 408073460 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23117.95 | XXXXXX | 5.5228 | Employed |
| 408073461 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23348.8 | XXXXXX | 5.7247 | Employed |
| 408073466 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4370.5 | XXXXXX | 5.4546 | Employed |
| 408073477 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17345 | XXXXXX | 6.7594 | Employed |
| 408073479 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6351.13 | XXXXXX | 5.3838 | Employed |
| 408073483 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10818 | XXXXXX | 3.9679 | Employed |
| 408073491 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4744.14 | XXXXXX | 7.7043 | Employed |
| 408073493 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6883.05 | XXXXXX | 5.4713 | Employed |
| 408073495 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1715.25 | XXXXXX | 5.6391 | Employed |
| 408073498 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7858.8 | XXXXXX | 7.2866 | Employed |
| 408073503 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10095 | XXXXXX | 5.6601 | Employed |
| 408073505 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1090 | XXXXXX | 5.7665 | Employed |
| 408073507 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13239.63 | XXXXXX | 7.0415 | Employed |
| 408073515 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 5.9165 | Employed |
| 408073522 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10799 | XXXXXX | 7.3408 | Employed |
| 408073524 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1495 | XXXXXX | 5.534 | Employed |
| 408073526 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1109 | XXXXXX | 6.4048 | Employed |
| 408073528 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8732.5 | XXXXXX | 6.1157 | Employed |
| 408073559 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 28955 | XXXXXX | 5.9068 | Employed |
| 408073568 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1349 | XXXXXX | 5.7112 | Employed |
| 408073570 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2070.25 | XXXXXX | 5.7877 | Employed |
| 408073574 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14390 | XXXXXX | 6.0302 | Employed |
| 408073583 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 33063 | XXXXXX | 6.0733 | Employed |
| 408073584 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX | 5.3984 | Retired |
| 408073586 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1275 | XXXXXX | 5.8818 | Employed |
| 408073587 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8419 | XXXXXX | 5.9639 | Employed |
| 408073591 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2100 | XXXXXX | 5.99 | Employed |
| 408073595 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2270 | XXXXXX | 5.9453 | Employed |
| 408073598 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1490 | XXXXXX | 5.2668 | Employed |
| 408073603 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11580 | XXXXXX | 5.9652 | Employed |
| 408073605 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11210 | XXXXXX | 6.1022 | Employed |
| 408073612 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14426.44 | XXXXXX | 6.0466 | Employed |
| 408073620 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10891 | XXXXXX | 6.5071 | Employed |
| 408073624 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4098 | XXXXXX | 6.0647 | Employed |
| 408073636 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 495 | XXXXXX | 6.5141 | Employed |
| 408073639 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8758.41 | XXXXXX | 6.7696 | Employed |
| 408073667 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2111.65 | XXXXXX | 6.6971 | Employed |
| 408073668 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 675 | XXXXXX | 6.125 | Employed |
| 408073679 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20125 | XXXXXX | 6.8418 | Employed |
| 408073694 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8032.5 | XXXXXX | 7.3454 | Employed |
| 408073697 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 19943.75 | XXXXXX | 7.3756 | Retired |
| 408073701 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 19132 | XXXXXX | 7.8026 | Employed |
| 408073721 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0118 | Retired |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 406063166 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408062021 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408068690 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408069450 | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 15089 |
| 408069467 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408069490 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408069506 | Unemployed | U.S. Citizen | (No Data) | No | 32949.24 |
| 408069716 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408069767 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408069795 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408069893 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408069895 | (No Data) | U.S. Citizen | (No Data) | Yes | 7645 |
| 408069992 | Unemployed | U.S. Citizen | U.S. Citizen | No | 2600 |
| 408070028 | Employed | U.S. Citizen | U.S. Citizen | Yes | 8461.29 |
| 408070446 | (No Data) | U.S. Citizen | (No Data) | Yes | 11865 |
| 408070479 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070492 | Employed | U.S. Citizen | U.S. Citizen | Yes | 13551.74 |
| 408070543 | Employed | U.S. Citizen | U.S. Citizen | No | 12258.42 |
| 408070590 | (No Data) | U.S. Citizen | (No Data) | Yes | 0 |
| 408070612 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070627 | (No Data) | U.S. Citizen | (No Data) | No | 7981.5 |
| 408070671 | (No Data) | U.S. Citizen | (No Data) | No | 25978.09 |
| 408070691 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070816 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070874 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070883 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070998 | Employed | U.S. Citizen | U.S. Citizen | Yes | 5949.44 |
| 408071012 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071026 | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 9552.88 |
| 408071096 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071098 | (No Data) | U.S. Citizen | (No Data) | No | 13780.25 |
| 408071125 | (No Data) | U.S. Citizen | (No Data) | No | 11662.79 |
| 408071198 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071211 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071315 | (No Data) | U.S. Citizen | (No Data) | No | 16831 |
| 408071389 | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 5730.85 |
| 408071405 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071461 | (No Data) | U.S. Citizen | (No Data) | No | 9832.94 |
| 408071479 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071520 | Employed | U.S. Citizen | U.S. Citizen | Yes | 10559 |
| 408071546 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071547 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071552 | Unemployed | Permanent Resident Alien | U.S. Citizen | Yes | 12156.96 |
| 408071562 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071564 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071573 | Employed | U.S. Citizen | U.S. Citizen | Yes | 10608.19 |
| 408071575 | (No Data) | U.S. Citizen | (No Data) | Yes | 7602.5 |
| 408071579 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071585 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071610 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071624 | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 8198.13 |
| 408071633 | Employed | U.S. Citizen | U.S. Citizen | No | 32443.11 |
| 408071649 | (No Data) | U.S. Citizen | (No Data) | Yes | 14244.91 |
| 408071667 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071676 | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| 408071704 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071708 | Employed | U.S. Citizen | U.S. Citizen | Yes | 8057.87 |
| 408071712 | (No Data) | U.S. Citizen | (No Data) | Yes | 47425 |
| 408071718 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071735 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071744 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071758 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071775 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071799 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071802 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071819 | Employed | U.S. Citizen | U.S. Citizen | Yes | 12520.68 |
| 408071827 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071854 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071867 | (No Data) | U.S. Citizen | (No Data) | No | 49374.91 |
| 408071873 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071875 | Employed | U.S. Citizen | U.S. Citizen | Yes | 29894.05 |
| 408071877 | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 |
| 408071923 | Employed | U.S. Citizen | U.S. Citizen | Yes | 16879.98 |
| 408071926 | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| 408071936 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071951 | (No Data) | U.S. Citizen | (No Data) | No | 14546.36 |
| 408071977 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071985 | Employed | U.S. Citizen | U.S. Citizen | No | 38204.96 |
| 408072009 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072036 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072053 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072055 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072060 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072061 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072077 | Employed | U.S. Citizen | U.S. Citizen | Yes | 20180.99 |
| 408072078 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072097 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072133 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072150 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072155 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072236 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072237 | Employed | U.S. Citizen | U.S. Citizen | No | 12143.6 |
| 408072240 | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072256 | Employed | U.S. Citizen | U.S. Citizen | Yes | 9961.99 |
| 408072259 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072265 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072267 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072269 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072272 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072279 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072283 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072301 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072303 | Employed | U.S. Citizen | U.S. Citizen | Yes | 13277 |
| 408072312 | Employed | U.S. Citizen | U.S. Citizen | No | 16001.22 |
| 408072324 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072326 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072329 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072343 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072345 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072357 | Unemployed | U.S. Citizen | U.S. Citizen | No | 13559.86 |
| 408072379 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072384 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072408 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072426 | (No Data) | U.S. Citizen | (No Data) | Yes | 8405 |
| 408072451 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072458 | Employed | U.S. Citizen | U.S. Citizen | No | 20951.5 |
| 408072462 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072475 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072477 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072480 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072489 | Employed | U.S. Citizen | U.S. Citizen | Yes | 3743.92 |
| 408072491 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072508 | (No Data) | U.S. Citizen | (No Data) | No | 22214.92 |
| 408072529 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072535 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072561 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072589 | (No Data) | Permanent Resident Alien | (No Data) | Yes | 0 |
| 408072590 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072621 | (No Data) | U.S. Citizen | (No Data) | No | 13849.47 |
| 408072640 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072658 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072682 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072684 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072705 | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| 408072727 | (No Data) | U.S. Citizen | (No Data) | No | 7413.92 |
| 408072735 | Employed | U.S. Citizen | U.S. Citizen | Yes | 22226.19 |
| 408072738 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072739 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072783 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072790 | (No Data) | U.S. Citizen | (No Data) | Yes | 9584.07 |
| 408072804 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072806 | Unemployed | U.S. Citizen | U.S. Citizen | No | 23567.98 |
| 408072810 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072829 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072831 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072836 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072837 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072839 | (No Data) | U.S. Citizen | (No Data) | Yes | 9145.29 |
| 408072867 | Employed | U.S. Citizen | U.S. Citizen | No | 16222.8 |
| 408072874 | (No Data) | U.S. Citizen | (No Data) | No | 19423.44 |
| 408072879 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072881 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072897 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072906 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072919 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072920 | (No Data) | U.S. Citizen | (No Data) | Yes | 10581 |
| 408072929 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072931 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072932 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072935 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072937 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072943 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072966 | Employed | U.S. Citizen | U.S. Citizen | Yes | 10116 |
| 408072967 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072982 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072986 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073001 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073005 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073015 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073031 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073043 | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 26497.63 |
| 408073051 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073053 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073057 | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073069 | (No Data) | U.S. Citizen | (No Data) | Yes | 7269.15 |
| 408073081 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073084 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073091 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073093 | Employed | U.S. Citizen | U.S. Citizen | Yes | 10744.52 |
| 408073096 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073100 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073101 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073122 | Employed | U.S. Citizen | U.S. Citizen | Yes | 16139.71 |
| 408073124 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073126 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073131 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073149 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073156 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073168 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073183 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073186 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073191 | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073218 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073219 | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 9332.84 |
| 408073220 | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 |
| 408073235 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073239 | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 |
| 408073245 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073246 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073249 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073252 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073255 | (No Data) | U.S. Citizen | (No Data) | No | 13501.39 |
| 408073273 | Employed | U.S. Citizen | U.S. Citizen | Yes | 6731 |
| 408073278 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073281 | (No Data) | U.S. Citizen | (No Data) | Yes | 0 |
| 408073297 | Employed | U.S. Citizen | Permanent Resident Alien | Yes | 12938.86 |
| 408073313 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073314 | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 |
| 408073315 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073323 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073324 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073328 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073334 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073337 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073339 | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 38520.53 |
| 408073350 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073355 | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073362 | Employed | U.S. Citizen | U.S. Citizen | Yes | 10338.83 |
| 408073365 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073367 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073368 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073372 | Employed | U.S. Citizen | U.S. Citizen | Yes | 17787.55 |
| 408073379 | (No Data) | U.S. Citizen | (No Data) | Yes | 18123.22 |
| 408073394 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073404 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073409 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073413 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073415 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073416 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073428 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073430 | (No Data) | U.S. Citizen | (No Data) | Yes | 17050.22 |
| 408073431 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073434 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073453 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073458 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073460 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073461 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073466 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073477 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073479 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073483 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073491 | (No Data) | U.S. Citizen | (No Data) | Yes | 20566.84 |
| 408073493 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073495 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073498 | (No Data) | U.S. Citizen | (No Data) | Yes | 15030.17 |
| 408073503 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073505 | Employed | Permanent Resident Alien | U.S. Citizen | No | 0 |
| 408073507 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073515 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073522 | (No Data) | U.S. Citizen | (No Data) | Yes | 13515 |
| 408073524 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073526 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073528 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073559 | (No Data) | U.S. Citizen | (No Data) | Yes | 9582.6 |
| 408073568 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073570 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073574 | (No Data) | U.S. Citizen | (No Data) | No | 15175.67 |
| 408073583 | (No Data) | U.S. Citizen | (No Data) | Yes | 16048 |
| 408073584 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073586 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073587 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073591 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073595 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073598 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073603 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073605 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073612 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073620 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073624 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073636 | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073639 | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 |
| 408073667 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073668 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073679 | (No Data) | U.S. Citizen | (No Data) | Yes | 0 |
| 408073694 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073697 | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073701 | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073721 | Retired | U.S. Citizen | U.S. Citizen | No | 0 |

---

## Exhibit 99.4

---

| | |
|:---|:---|
| **EXHIBIT 99.4** | **CLAYTON ATR QM UPLOAD**  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *278* |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** |
| 406063166 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408062021 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408068690 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069450 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069467 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069490 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408069506 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069767 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408069795 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408069893 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408069895 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408069992 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070028 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408070479 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070492 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408070543 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070590 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408070612 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070627 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070671 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408070691 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070816 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070874 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408070883 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408070998 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408071026 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071098 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071125 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071198 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071211 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071315 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071389 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071405 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071461 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071479 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071520 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071546 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071547 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071552 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071562 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071564 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071573 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071575 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071579 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071585 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071610 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071624 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071633 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071649 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071667 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071676 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071704 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071708 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071712 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071718 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071735 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071744 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071758 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071775 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071799 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408071802 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071819 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071854 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No |
| 408071867 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071873 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071875 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071877 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408071923 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Condotel | 1 | Conventional | No | No | No | No |
| 408071926 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071936 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408071951 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408071985 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072009 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072036 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072053 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072055 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072060 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072061 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072077 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072078 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072097 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No |
| 408072150 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072155 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072236 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072237 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072240 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072256 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072259 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072265 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072267 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072269 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408072272 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072279 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No |
| 408072283 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072301 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072303 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072312 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072324 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072326 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072329 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072343 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No |
| 408072345 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072357 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072379 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072408 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072426 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072458 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072462 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072475 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072477 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072480 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072489 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072491 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072508 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072529 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072535 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072561 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072589 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072590 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072621 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072640 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072658 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072682 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072684 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408072705 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072727 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072735 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072738 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072783 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072790 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072804 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072806 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072810 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072829 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No |
| 408072831 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072836 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072867 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072874 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072879 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No |
| 408072881 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072897 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072906 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072919 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072920 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072929 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072931 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072932 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072935 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072937 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408072943 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072966 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072967 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408072982 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | Condotel | 1 | Conventional | No | No | No | No |
| 408072986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073001 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073005 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073015 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073031 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No |
| 408073043 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073051 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073053 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073057 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073069 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073081 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073091 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073093 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073100 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073101 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No |
| 408073122 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No |
| 408073124 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073131 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073149 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073156 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073168 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073183 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073186 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073191 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073218 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073219 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073220 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073235 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073239 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073245 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073246 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408073249 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073252 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073255 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Condotel | 1 | Conventional | No | No | No | No |
| 408073273 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073281 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073297 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073313 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073314 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073315 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073323 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No |
| 408073324 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073328 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073334 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073337 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073339 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073350 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073355 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073362 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073365 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073367 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073368 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073372 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073379 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073394 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073404 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073409 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073413 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No |
| 408073415 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073416 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073428 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073430 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073431 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073434 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073453 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073458 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073460 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073461 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073466 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073477 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073479 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073483 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073491 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No |
| 408073493 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073495 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Site Condo | 1 | Conventional | No | No | No | No |
| 408073498 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Condotel | 1 | Conventional | No | No | No | No |
| 408073503 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073505 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073507 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No |
| 408073515 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No |
| 408073522 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073524 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073526 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073528 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073559 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073570 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408073574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073583 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073584 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073586 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073587 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073591 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073595 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073598 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073603 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073605 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408073612 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073620 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No |
| 408073624 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073636 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No |
| 408073639 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073667 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073668 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073679 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073694 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073697 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |
| 408073701 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No |
| 408073721 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** |
| 406063166 | No | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408062021 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408068690 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069450 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069467 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069490 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069506 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069716 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069767 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069795 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069893 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069895 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408069992 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070028 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070446 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070479 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070492 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070543 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070590 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070612 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070627 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070671 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070691 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070816 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070874 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070883 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408070998 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071012 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071026 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071096 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071098 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071125 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071198 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071211 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071315 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071389 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071405 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071461 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071479 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071520 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071546 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071547 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071552 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071562 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071564 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071573 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071575 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071579 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071585 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071610 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071624 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071633 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071649 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071667 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071676 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071704 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071708 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071712 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071718 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071735 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071744 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071758 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071775 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071799 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071802 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071819 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071827 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071854 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071867 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071873 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071875 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071877 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071923 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071926 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071936 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071951 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071977 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408071985 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072009 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072036 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072053 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072055 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072060 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072061 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072077 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072078 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072097 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072133 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072150 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072155 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072236 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072237 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072240 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072256 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072259 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072265 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072267 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072269 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072272 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072279 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072283 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072301 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072303 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072312 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072324 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072326 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072329 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072343 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072345 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072357 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072379 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072384 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072408 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072426 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072451 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072458 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072462 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072475 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072477 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072480 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072489 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072491 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072508 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072529 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072535 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072561 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072589 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072590 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072621 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072640 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072658 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072682 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072684 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072705 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072727 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072735 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072738 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072739 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072783 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072790 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072804 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072806 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072810 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072829 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072831 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072836 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072837 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072839 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072867 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072874 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072879 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072881 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072897 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072906 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072919 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072920 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072929 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072931 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072932 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072935 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072937 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072943 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072966 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072967 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072982 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408072986 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073001 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073005 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073015 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073031 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073043 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073051 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073053 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073057 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073069 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073081 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073084 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073091 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073093 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073096 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073100 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073101 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073122 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073124 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073126 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073131 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073149 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073156 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073168 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073183 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073186 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073191 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073218 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073219 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073220 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073235 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073239 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073245 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073246 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073249 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073252 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073255 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073273 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073278 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073281 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073297 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073313 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073314 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073315 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073323 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073324 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073328 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073334 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073337 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073339 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073350 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073355 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073362 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073365 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073367 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073368 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073372 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073379 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073394 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073404 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073409 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073413 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073415 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073416 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073428 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073430 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073431 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073434 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073453 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073458 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073460 | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073461 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073466 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073477 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073479 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073483 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073491 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073493 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073495 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073498 | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073503 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073505 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073507 | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073515 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073522 | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073524 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073526 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073528 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073559 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073568 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073570 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073574 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073583 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073584 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073586 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073587 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073591 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073595 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073598 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073603 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073605 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073612 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073620 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073624 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073636 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073639 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073667 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073668 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073679 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073694 | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073697 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073701 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |
| 408073721 | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** |
| 406063166 | No | 1 | 4.2758 | Yes | Yes | 0.295 | 0.578 | (No Data) | (No Data) | No | No | No |
| 408062021 | Yes | 1 | 4.1593 | No | No | 0.239 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408068690 | No | 1 | 3.2891 | Yes | Yes | 0.212 | 0.225 | (No Data) | (No Data) | No | No | No |
| 408069450 | Yes | 1 | 3.9113 | No | No | 0.292 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408069467 | Yes | 1 | 4.0066 | No | No | 0.134 | 0.134 | (No Data) | (No Data) | No | No | No |
| 408069490 | No | 1 | 3.7538 | Yes | Yes | 1.447 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408069506 | No | 1 | 5.0327 | Yes | Yes | 0.735 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408069716 | Yes | 1 | 4.4013 | No | No | 1.775 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408069767 | No | 1 | 4.8881 | Yes | Yes | 2.258 | 2.258 | (No Data) | (No Data) | No | No | No |
| 408069795 | No | 1 | 3.9961 | Yes | Yes | 1.506 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408069893 | No | 1 | 3.9196 | Yes | Yes | 1.777 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408069895 | Yes | 1 | 3.9125 | No | No | 0.168 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408069992 | Yes | 1 | 3.9093 | No | No | 0.36 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408070028 | Yes | 1 | 3.7824 | No | No | 0.215 | 0.215 | No | No | No | No | No |
| 408070446 | Yes | 1 | 3.8876 | No | No | 0.1 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070479 | No | 1 | 4.9858 | Yes | Yes | 1.125 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408070492 | Yes | 1 | 3.0500 | No | No | 0.14 | 0.140 | (No Data) | (No Data) | No | No | No |
| 408070543 | No | 1 | 4.4250 | Yes | Yes | 0.224 | 0.224 | (No Data) | (No Data) | No | No | No |
| 408070590 | No | 1 | 5.8359 | Yes | Yes | 0.887 | 0.887 | (No Data) | (No Data) | No | No | No |
| 408070612 | No | 1 | 4.0074 | Yes | Yes | 1.53 | 1.530 | (No Data) | (No Data) | No | No | No |
| 408070627 | Yes | 1 | 3.9437 | No | No | 1.695 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070671 | No | 1 | 4.7919 | Yes | Yes | 0.826 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070691 | No | 1 | 4.7641 | Yes | Yes | 0.104 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070816 | No | 1 | 5.0128 | Yes | Yes | 2.549 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070874 | Yes | 1 | 4.5641 | No | No | 0.181 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408070883 | Yes | 1 | 4.9539 | No | No | 0.788 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408070998 | Yes | 1 | 4.3028 | No | No | 0.568 | 0.561 | (No Data) | (No Data) | No | No | No |
| 408071012 | No | 1 | 4.9631 | Yes | Yes | 0.18 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071026 | Yes | 1 | 3.9454 | No | No | 0.266 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071096 | No | 1 | 4.8955 | Yes | Yes | 0.183 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071098 | No | 1 | 4.8479 | Yes | Yes | 0.171 | 0.171 | (No Data) | (No Data) | No | No | No |
| 408071125 | No | 1 | 4.8180 | Yes | Yes | 0.763 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071198 | No | 1 | 4.0253 | Yes | Yes | 1.787 | 1.787 | (No Data) | (No Data) | No | No | No |
| 408071211 | No | 1 | 4.6022 | Yes | Yes | 0.478 | 0.000 | Yes | No | No | No | No |
| 408071315 | Yes | 1 | 4.8540 | No | No | 0.182 | 0.182 | (No Data) | (No Data) | No | No | No |
| 408071389 | Yes | 1 | 4.8726 | No | No | 0 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071405 | No | 1 | 4.9471 | Yes | Yes | 0.792 | 0.792 | (No Data) | (No Data) | No | No | No |
| 408071461 | No | 1 | 4.8258 | Yes | Yes | 0.828 | 0.828 | (No Data) | (No Data) | No | No | No |
| 408071479 | No | 1 | 4.8372 | Yes | Yes | 2.399 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071520 | Yes | 1 | 5.0119 | No | No | 0.173 | 0.645 | (No Data) | (No Data) | No | No | No |
| 408071546 | No | 1 | 5.0249 | Yes | Yes | 1.269 | 0.000 | No | No | No | No | No |
| 408071547 | No | 1 | 4.6629 | Yes | Yes | 1.94 | 3.000 | (No Data) | (No Data) | No | No | No |
| 408071552 | No | 1 | 5.3611 | Yes | Yes | 1.541 | 0.000 | No | No | No | No | No |
| 408071562 | No | 1 | 4.5254 | Yes | Yes | 0.196 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071564 | No | 1 | 4.5730 | Yes | Yes | 0.188 | 0.355 | (No Data) | (No Data) | No | No | No |
| 408071573 | Yes | 1 | 4.9847 | No | No | 0.175 | 0.175 | (No Data) | (No Data) | No | No | No |
| 408071575 | Yes | 1 | 4.6505 | No | No | 0.146 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071579 | No | 1 | 4.6629 | Yes | Yes | 0.235 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071585 | No | 1 | 5.0068 | Yes | Yes | 1.502 | 0.000 | No | No | No | No | No |
| 408071610 | No | 1 | 4.7801 | Yes | Yes | 1.64 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071624 | Yes | 1 | 4.6577 | No | No | 0.26 | 3.000 | (No Data) | (No Data) | No | No | No |
| 408071633 | No | 1 | 5.1415 | Yes | Yes | 2.991 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071649 | Yes | 1 | 5.1516 | No | No | 1.966 | 1.960 | (No Data) | (No Data) | No | No | No |
| 408071667 | No | 1 | 4.9044 | Yes | Yes | 0.184 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071676 | No | 1 | 4.6512 | Yes | Yes | 0.86 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071704 | No | 1 | 5.0384 | Yes | Yes | 0.269 | 1.463 | No | No | No | No | No |
| 408071708 | No | 1 | 4.6411 | Yes | Yes | 0.249 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071712 | No | 1 | 5.8574 | Yes | Yes | 2.076 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071718 | No | 1 | 4.8012 | Yes | Yes | 1.737 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071735 | No | 1 | 5.0257 | Yes | Yes | 0.993 | 0.000 | No | No | No | No | No |
| 408071744 | No | 1 | 4.7511 | Yes | Yes | 0.013 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071758 | No | 1 | 5.0785 | Yes | Yes | 2.424 | 0.000 | No | No | No | No | No |
| 408071775 | No | 1 | 5.0719 | Yes | Yes | 2.209 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071799 | No | 1 | 4.5449 | Yes | Yes | 1.659 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071802 | No | 1 | 4.5159 | Yes | Yes | 0.114 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071819 | No | 1 | 5.5503 | Yes | Yes | 0.321 | 0.002 | (No Data) | (No Data) | No | No | No |
| 408071827 | No | 1 | 4.6065 | Yes | Yes | 0.822 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071854 | No | 1 | 4.8943 | Yes | Yes | 0.123 | Unavailable | No | No | No | No | No |
| 408071867 | No | 1 | 4.7596 | Yes | Yes | 0.076 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071873 | No | 1 | 4.7853 | Yes | Yes | 1.599 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408071875 | No | 1 | 4.8893 | Yes | Yes | 0.123 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071877 | Yes | 1 | 4.5805 | Yes | No | 0.288 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071923 | No | 1 | 5.3643 | Yes | Yes | 0.31 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071926 | No | 1 | 6.1081 | Yes | Yes | 0.15 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071936 | No | 1 | 4.9890 | Yes | Yes | 1.641 | 1.064 | No | No | No | No | No |
| 408071951 | Yes | 1 | 5.3317 | No | No | 0.183 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408071977 | No | 1 | 4.7677 | Yes | Yes | 0.148 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408071985 | No | 1 | 4.7600 | Yes | Yes | 0.073 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072009 | No | 1 | 4.6267 | Yes | Yes | 1.117 | 1.117 | (No Data) | (No Data) | No | No | No |
| 408072036 | No | 1 | 5.4979 | Yes | Yes | 1.084 | 0.011 | (No Data) | (No Data) | No | No | No |
| 408072053 | No | 1 | 4.8241 | Yes | Yes | 0.237 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072055 | No | 1 | 4.8942 | Yes | Yes | 0.271 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072060 | Yes | 1 | 4.8733 | Yes | No | 1.354 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072061 | No | 1 | 4.7217 | Yes | Yes | 0.251 | 0.550 | No | No | No | No | No |
| 408072077 | No | 1 | 6.0635 | Yes | Yes | 0.588 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072078 | Yes | 1 | 6.1858 | No | No | 1.68 | 1.680 | (No Data) | (No Data) | No | No | No |
| 408072097 | No | 1 | 4.8964 | Yes | Yes | 0.178 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072133 | No | 1 | 5.5393 | Yes | Yes | 0.21 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072150 | No | 1 | 5.0157 | Yes | Yes | 1.354 | Unavailable | No | No | No | No | No |
| 408072155 | No | 1 | 5.1301 | Yes | Yes | 1.397 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072236 | No | 1 | 5.0495 | Yes | Yes | 0.301 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072237 | Yes | 1 | 6.1520 | No | No | 1.335 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072240 | No | 1 | 4.9192 | Yes | Yes | 0.375 | 0.367 | (No Data) | (No Data) | No | No | No |
| 408072256 | Yes | 1 | 6.5315 | No | No | 0.517 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072259 | No | 1 | 5.0317 | Yes | Yes | 0.066 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072265 | No | 1 | 4.9373 | Yes | Yes | 0.981 | 0.981 | (No Data) | (No Data) | No | No | No |
| 408072267 | No | 1 | 4.8995 | Yes | Yes | 0.106 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072269 | No | 1 | 5.2595 | Yes | Yes | 0 | 0.000 | No | No | No | No | No |
| 408072272 | Yes | 1 | 5.0187 | No | No | 0.156 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072279 | No | 1 | 4.8337 | Yes | Yes | 0.202 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072283 | No | 1 | 4.8830 | Yes | Yes | 0.185 | 1.276 | (No Data) | (No Data) | No | No | No |
| 408072301 | No | 1 | 4.7937 | Yes | Yes | 0.618 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072303 | No | 1 | 5.8993 | Yes | Yes | 0.141 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072312 | No | 1 | 4.8584 | Yes | Yes | 1.094 | 1.094 | (No Data) | (No Data) | No | No | No |
| 408072324 | No | 1 | 5.0377 | Yes | Yes | 0.137 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072326 | No | 1 | 4.8985 | Yes | Yes | 2.011 | 0.166 | (No Data) | (No Data) | No | No | No |
| 408072329 | No | 1 | 5.0218 | Yes | Yes | 1.687 | 0.001 | (No Data) | (No Data) | No | No | No |
| 408072343 | No | 1 | 5.5306 | Yes | Yes | 0.184 | Unavailable | No | No | No | No | No |
| 408072345 | No | 1 | 5.0457 | Yes | Yes | 0.113 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072357 | No | 1 | 5.0623 | Yes | Yes | 1.768 | 1.768 | (No Data) | (No Data) | No | No | No |
| 408072379 | No | 1 | 5.0582 | Yes | Yes | 0.252 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072384 | No | 1 | 4.9532 | Yes | Yes | 0.603 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072408 | No | 1 | 5.0715 | Yes | Yes | 0.505 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072426 | Yes | 1 | 5.1877 | No | Yes | 0.603 | 0.416 | (No Data) | (No Data) | No | No | No |
| 408072451 | No | 1 | 4.9584 | Yes | Yes | 0.321 | 0.125 | (No Data) | (No Data) | No | No | No |
| 408072458 | No | 1 | 5.3457 | Yes | Yes | 0.082 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072462 | No | 1 | 5.5592 | Yes | Yes | 1.466 | 1.466 | (No Data) | (No Data) | No | No | No |
| 408072475 | No | 1 | 5.4006 | Yes | Yes | 0.199 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072477 | No | 1 | 5.1135 | Yes | Yes | 0.354 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072480 | Yes | 1 | 5.8980 | No | No | 1.965 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072489 | Yes | 1 | 4.9209 | No | No | 0.575 | 0.000 | No | No | No | No | No |
| 408072491 | No | 1 | 5.0361 | Yes | Yes | 0.186 | 1.288 | (No Data) | (No Data) | No | No | No |
| 408072508 | Yes | 1 | 5.9213 | No | No | 0.12 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072529 | No | 1 | 5.5471 | Yes | Yes | 0.195 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072535 | No | 1 | 5.6784 | Yes | Yes | 0.23 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072561 | No | 1 | 5.5303 | Yes | Yes | 0.133 | 0.133 | (No Data) | (No Data) | No | No | No |
| 408072589 | No | 1 | 5.6712 | Yes | Yes | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072590 | No | 1 | 5.6193 | Yes | Yes | 1.319 | 0.000 | No | No | No | No | No |
| 408072621 | No | 1 | 5.5589 | Yes | Yes | 0.599 | Not Applicable | No | No | No | No | No |
| 408072640 | No | 1 | 5.3854 | Yes | Yes | 0.067 | 0.000 | No | No | No | No | No |
| 408072658 | No | 1 | 5.5152 | Yes | Yes | 0.148 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072682 | No | 1 | 5.6704 | Yes | Yes | 0.224 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072684 | No | 1 | 5.6902 | Yes | Yes | 2.509 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072705 | No | 1 | 5.1849 | Yes | Yes | 1.026 | 0.000 | No | No | No | No | No |
| 408072727 | No | 1 | 5.7208 | Yes | Yes | 0.957 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072735 | No | 1 | 5.6431 | Yes | Yes | 0.136 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072738 | No | 1 | 5.7844 | Yes | Yes | 0.188 | 0.188 | (No Data) | (No Data) | No | No | No |
| 408072739 | No | 1 | 5.1357 | Yes | Yes | 0.282 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072783 | No | 1 | 5.3980 | Yes | Yes | 0.2 | 0.010 | (No Data) | (No Data) | No | No | No |
| 408072790 | Yes | 1 | 4.5473 | No | No | 0.257 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072804 | No | 1 | 5.3994 | Yes | Yes | 0.188 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072806 | No | 1 | 6.6105 | Yes | Yes | 2.775 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072810 | No | 1 | 5.6932 | Yes | Yes | 0.682 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072829 | No | 1 | 5.8164 | Yes | Yes | 1.211 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072831 | No | 1 | 5.8030 | Yes | Yes | 2.094 | Unavailable | No | No | No | No | No |
| 408072836 | No | 1 | 6.1186 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072837 | No | 1 | 5.6381 | Yes | Yes | 0.111 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072839 | Yes | 1 | 5.4590 | No | No | 0.651 | 0.212 | (No Data) | (No Data) | No | No | No |
| 408072867 | No | 1 | 6.7505 | Yes | Yes | 0.244 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072874 | No | 1 | 6.1527 | Yes | Yes | 0.178 | 0.178 | (No Data) | (No Data) | No | No | No |
| 408072879 | No | 1 | 5.5305 | Yes | Yes | 1.646 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072881 | No | 1 | 6.7802 | Yes | Yes | 0.461 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408072897 | No | 1 | 4.9208 | Yes | Yes | 1.366 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072906 | No | 1 | 4.8970 | Yes | Yes | 0.177 | Not Applicable | Yes | No | No | No | No |
| 408072919 | No | 1 | 5.0813 | Yes | Yes | 0.19 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072920 | Yes | 1 | 5.5526 | No | No | 0.895 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072929 | No | 1 | 5.5348 | Yes | Yes | 0.317 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072931 | No | 1 | 5.5199 | Yes | Yes | 0.134 | Unavailable | No | No | No | No | No |
| 408072932 | No | 1 | 5.6496 | Yes | Yes | 0.215 | 0.215 | No | No | No | No | No |
| 408072935 | No | 1 | 5.2875 | Yes | Yes | 0.212 | 3.000 | (No Data) | (No Data) | No | No | No |
| 408072937 | No | 1 | 5.7578 | Yes | Yes | 1.339 | 1.339 | (No Data) | (No Data) | No | No | No |
| 408072943 | No | 1 | 5.4150 | Yes | Yes | 0.175 | 0.175 | (No Data) | (No Data) | No | No | No |
| 408072966 | Yes | 1 | 6.2787 | No | No | 0.125 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408072967 | No | 1 | 5.8037 | Yes | Yes | 0.439 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408072982 | No | 1 | 7.4309 | Yes | Yes | 1.534 | 1.534 | (No Data) | (No Data) | No | No | No |
| 408072986 | No | 1 | 5.1412 | Yes | Yes | 0.078 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073001 | No | 1 | 5.9649 | Yes | Yes | 0.192 | 0.713 | (No Data) | (No Data) | No | No | No |
| 408073005 | No | 1 | 4.8756 | Yes | Yes | 0.323 | 0.013 | No | No | No | No | No |
| 408073015 | No | 1 | 5.7777 | Yes | Yes | 1.231 | 1.196 | (No Data) | (No Data) | No | No | No |
| 408073031 | No | 1 | 7.0676 | Yes | Yes | 1.746 | 1.746 | (No Data) | (No Data) | No | No | No |
| 408073043 | No | 1 | 7.0083 | Yes | Yes | 0.21 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073051 | No | 1 | 6.3715 | Yes | Yes | 2.625 | 0.000 | No | No | No | No | No |
| 408073053 | No | 1 | 5.9791 | Yes | Yes | 0.088 | 0.080 | (No Data) | (No Data) | No | No | No |
| 408073057 | Yes | 1 | 6.5187 | No | No | 1.728 | 1.728 | No | No | No | No | No |
| 408073069 | Yes | 1 | 5.9939 | No | No | 0.219 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073081 | No | 1 | 6.3121 | Yes | Yes | 1.989 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073084 | No | 1 | 5.8874 | Yes | Yes | 0.009 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073091 | No | 1 | 6.6199 | Yes | Yes | 1.204 | Unavailable | No | No | No | No | No |
| 408073093 | Yes | 1 | 7.1326 | No | No | 1.336 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073096 | No | 1 | 6.1163 | Yes | Yes | 1.632 | 1.632 | (No Data) | (No Data) | No | No | No |
| 408073100 | No | 1 | 6.3918 | Yes | Yes | 0.23 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073101 | No | 1 | 7.3588 | Yes | Yes | 1.15 | 1.150 | (No Data) | (No Data) | No | No | No |
| 408073122 | No | 1 | 7.1343 | Yes | Yes | 2.302 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073124 | No | 1 | 6.0543 | Yes | Yes | 0.224 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073126 | No | 1 | 6.0095 | Yes | Yes | 0.131 | 0.131 | (No Data) | (No Data) | No | No | No |
| 408073131 | No | 1 | 6.6085 | Yes | Yes | 0.244 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073149 | No | 1 | 6.0124 | Yes | Yes | 0.466 | 0.466 | (No Data) | (No Data) | No | No | No |
| 408073156 | No | 1 | 5.8175 | Yes | Yes | 0.155 | 2.100 | (No Data) | (No Data) | No | No | No |
| 408073168 | No | 1 | 6.2881 | Yes | Yes | 0.336 | Unavailable | No | No | No | No | No |
| 408073183 | No | 1 | 5.7828 | Yes | Yes | 0.078 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073186 | No | 1 | 5.8917 | Yes | Yes | 0.122 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073191 | No | 1 | 6.1935 | Yes | Yes | 0.094 | Unavailable | No | No | No | No | No |
| 408073218 | No | 1 | 5.5700 | Yes | Yes | 2.724 | 2.724 | (No Data) | (No Data) | No | No | No |
| 408073219 | Yes | 1 | 6.7856 | No | No | 0.289 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073220 | No | 1 | 5.7904 | Yes | Yes | 0.142 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073235 | No | 1 | 5.7573 | Yes | Yes | 1.316 | 1.316 | (No Data) | (No Data) | No | No | No |
| 408073239 | No | 1 | 5.8063 | Yes | Yes | 0.27 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073245 | No | 1 | 5.9182 | Yes | Yes | 1.922 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073246 | No | 1 | 5.9704 | Yes | Yes | 2.569 | 0.486 | (No Data) | (No Data) | No | No | No |
| 408073249 | No | 1 | 5.8286 | Yes | Yes | 0.882 | 0.544 | (No Data) | (No Data) | No | No | No |
| 408073252 | No | 1 | 5.9106 | Yes | Yes | 2.777 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073255 | No | 1 | 7.0235 | Yes | Yes | 1.452 | 1.452 | (No Data) | (No Data) | No | No | No |
| 408073273 | Yes | 1 | 6.8268 | No | No | 0.75 | 0.750 | (No Data) | (No Data) | No | No | No |
| 408073278 | No | 1 | 5.6550 | Yes | Yes | 0.132 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073281 | No | 1 | 5.9213 | Yes | Yes | 0.141 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073297 | Yes | 1 | 6.4561 | No | No | 0.82 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073313 | No | 1 | 5.7661 | Yes | Yes | 0.117 | 0.000 | No | No | No | No | No |
| 408073314 | No | 1 | 5.4162 | Yes | Yes | 2.176 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073315 | No | 1 | 5.6669 | Yes | Yes | 0.306 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073323 | No | 1 | 5.6676 | Yes | Yes | 0.194 | 0.189 | (No Data) | (No Data) | No | No | No |
| 408073324 | No | 1 | 5.6481 | Yes | Yes | 2.026 | 2.026 | (No Data) | (No Data) | No | No | No |
| 408073328 | No | 1 | 5.4542 | Yes | Yes | 0.626 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073334 | No | 1 | 5.7899 | Yes | Yes | 1.934 | 0.167 | (No Data) | (No Data) | No | No | No |
| 408073337 | No | 1 | 5.6573 | Yes | Yes | 0.109 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073339 | No | 1 | 6.5062 | Yes | Yes | 1.001 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073350 | No | 1 | 5.4839 | Yes | Yes | 0.146 | 0.875 | (No Data) | (No Data) | No | No | No |
| 408073355 | No | 1 | 5.7982 | Yes | Yes | 2.115 | 2.115 | (No Data) | (No Data) | No | No | No |
| 408073362 | Yes | 1 | 5.4010 | No | No | 0.112 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073365 | No | 1 | 6.0309 | Yes | Yes | 2.978 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073367 | No | 1 | 5.7320 | Yes | Yes | 0.148 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073368 | No | 1 | 5.5533 | Yes | Yes | 0.176 | 0.176 | (No Data) | (No Data) | No | No | No |
| 408073372 | Yes | 1 | 7.0565 | No | No | 0.142 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073379 | No | 1 | 6.4465 | Yes | Yes | 0.141 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073394 | No | 1 | 5.9605 | Yes | Yes | 2.342 | 2.342 | (No Data) | (No Data) | No | No | No |
| 408073404 | No | 1 | 5.6911 | Yes | Yes | 0.174 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073409 | No | 1 | 5.6489 | Yes | Yes | 0.123 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073413 | No | 1 | 6.2345 | Yes | Yes | 1.139 | 1.139 | (No Data) | (No Data) | No | No | No |
| 408073415 | No | 1 | 5.7347 | Yes | Yes | 0.872 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073416 | No | 1 | 5.5532 | Yes | Yes | 0.873 | 0.873 | (No Data) | (No Data) | No | No | No |
| 408073428 | No | 1 | 5.6483 | Yes | Yes | 0.191 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073430 | Yes | 1 | 6.5258 | No | No | 0.209 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073431 | No | 1 | 5.5463 | Yes | Yes | 2.39 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073434 | No | 1 | 6.0585 | Yes | Yes | 0.57 | 0.570 | No | No | No | No | No |
| 408073453 | No | 1 | 5.3940 | Yes | Yes | 1.386 | 1.386 | (No Data) | (No Data) | No | No | No |
| 408073458 | No | 1 | 5.6444 | Yes | Yes | 0.14 | 0.140 | (No Data) | (No Data) | No | No | No |
| 408073460 | No | 1 | 5.5228 | Yes | Yes | 1.661 | 1.661 | (No Data) | (No Data) | No | No | No |
| 408073461 | Yes | 1 | 5.7247 | Yes | No | 2.141 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073466 | No | 1 | 5.4546 | Yes | Yes | 0.482 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073477 | No | 1 | 6.7594 | Yes | Yes | 1.542 | 1.542 | (No Data) | (No Data) | No | No | No |
| 408073479 | No | 1 | 5.3838 | Yes | Yes | 0.795 | 2.605 | (No Data) | (No Data) | No | No | No |
| 408073483 | No | 1 | 3.9679 | Yes | Yes | 1.095 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073491 | No | 1 | 7.7043 | Yes | Yes | 0.666 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073493 | No | 1 | 5.4713 | Yes | Yes | 0.573 | 0.427 | (No Data) | (No Data) | No | No | No |
| 408073495 | No | 1 | 5.6391 | Yes | Yes | 0.11 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073498 | Yes | 1 | 7.2866 | No | No | 1.496 | 1.496 | (No Data) | (No Data) | No | No | No |
| 408073503 | No | 1 | 5.6601 | Yes | Yes | 0.842 | 0.842 | (No Data) | (No Data) | No | No | No |
| 408073505 | No | 1 | 5.7665 | Yes | Yes | 0.073 | 0.073 | (No Data) | (No Data) | No | No | No |
| 408073507 | No | 1 | 7.0415 | Yes | Yes | 1.558 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073515 | No | 1 | 5.9165 | Yes | Yes | 0.195 | 0.195 | (No Data) | (No Data) | No | No | No |
| 408073522 | Yes | 1 | 7.3408 | No | No | 0.853 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073524 | No | 1 | 5.5340 | Yes | Yes | 0.151 | 0.000 | (No Data) | (No Data) | No | No | No |
| 408073526 | No | 1 | 6.4048 | Yes | Yes | 0.239 | Unavailable | No | Yes | No | No | No |
| 408073528 | No | 1 | 6.1157 | Yes | Yes | 1.042 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073559 | Yes | 1 | 5.9068 | No | No | 2.993 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073568 | No | 1 | 5.7112 | Yes | Yes | 0.118 | 0.118 | (No Data) | (No Data) | No | No | No |
| 408073570 | No | 1 | 5.7877 | Yes | Yes | 0.322 | 0.322 | (No Data) | (No Data) | No | No | No |
| 408073574 | Yes | 1 | 6.0302 | No | No | 1.597 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073583 | Yes | 1 | 6.0733 | No | No | 2.12 | 2.120 | (No Data) | (No Data) | No | No | No |
| 408073584 | No | 1 | 5.3984 | Yes | Yes | 0.2 | 0.200 | (No Data) | (No Data) | No | No | No |
| 408073586 | No | 1 | 5.8818 | Yes | Yes | 0.074 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073587 | No | 1 | 5.9639 | Yes | Yes | 0.914 | 0.250 | (No Data) | (No Data) | No | No | No |
| 408073591 | No | 1 | 5.9900 | Yes | Yes | 0.289 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073595 | No | 1 | 5.9453 | Yes | Yes | 0.253 | 0.253 | (No Data) | (No Data) | No | No | No |
| 408073598 | No | 1 | 5.2668 | Yes | Yes | 0.137 | 0.137 | (No Data) | (No Data) | No | No | No |
| 408073603 | No | 1 | 5.9652 | Yes | Yes | 1.542 | 1.542 | (No Data) | (No Data) | No | No | No |
| 408073605 | No | 1 | 6.1022 | Yes | Yes | 1.613 | 1.613 | (No Data) | (No Data) | No | No | No |
| 408073612 | No | 1 | 6.0466 | Yes | Yes | 1.777 | 1.777 | (No Data) | (No Data) | No | No | No |
| 408073620 | No | 1 | 6.5071 | Yes | Yes | 1.193 | 1.193 | (No Data) | (No Data) | No | No | No |
| 408073624 | No | 1 | 6.0647 | Yes | Yes | 0.617 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073636 | No | 1 | 6.5141 | Yes | Yes | 0.066 | 0.066 | (No Data) | (No Data) | No | No | No |
| 408073639 | No | 1 | 6.7696 | Yes | Yes | 1.15 | 1.150 | (No Data) | (No Data) | No | No | No |
| 408073667 | No | 1 | 6.6971 | Yes | Yes | 0.321 | 0.321 | (No Data) | (No Data) | No | No | No |
| 408073668 | No | 1 | 6.1250 | Yes | Yes | 0.082 | 0.082 | (No Data) | (No Data) | No | No | No |
| 408073679 | Yes | 1 | 6.8418 | No | No | 2.196 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073694 | No | 1 | 7.3454 | Yes | Yes | 0.877 | Unavailable | (No Data) | (No Data) | No | No | No |
| 408073697 | No | 1 | 7.3756 | Yes | Yes | 2.344 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073701 | No | 1 | 7.8026 | Yes | Yes | 1.928 | Not Applicable | (No Data) | (No Data) | No | No | No |
| 408073721 | No | 1 | 8.0118 | Yes | Yes | 0 | 0.000 | (No Data) | (No Data) | No | No | No |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** |
| 406063166 | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) |
| 408062021 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408068690 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069450 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069467 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069490 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069506 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069716 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069767 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069795 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069893 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069895 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408069992 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070028 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070446 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070479 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070492 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070543 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070590 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070612 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070627 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070671 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070691 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070816 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070874 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070883 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408070998 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071012 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071026 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071096 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071098 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071125 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071198 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071211 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071315 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071389 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071405 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071461 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071479 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071520 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071546 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071547 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071552 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071562 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071564 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071573 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071575 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071579 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071585 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071610 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071624 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071633 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071649 | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) |
| 408071667 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071676 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071704 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071708 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071712 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071718 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071735 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071744 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071758 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071775 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071799 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071802 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071819 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071827 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071854 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071867 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071873 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071875 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071877 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071923 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071926 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071936 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071951 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071977 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071985 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072009 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072036 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072053 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072055 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072060 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072061 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072077 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072078 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072097 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072133 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072150 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072155 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072236 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072237 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072240 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072256 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072259 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072265 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072267 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072269 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072272 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072279 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072283 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072301 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072303 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072312 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072324 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072326 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072329 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072343 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072345 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072357 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072379 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072384 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072408 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072426 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072451 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072458 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072462 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072475 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072477 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072480 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072489 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072491 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072508 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072529 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072535 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072561 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072589 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072590 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072621 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072640 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072658 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072682 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072684 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072705 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072727 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072735 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072738 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072739 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072783 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072790 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072804 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072806 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072810 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072829 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072831 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072836 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072837 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072839 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072867 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072874 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072879 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072881 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072897 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072906 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072919 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072920 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072929 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072931 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072932 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072935 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072937 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072943 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072966 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072967 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072982 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072986 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073001 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073005 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073015 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073031 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073043 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073051 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073053 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073057 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073069 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073081 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073084 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073091 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073093 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073096 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073100 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073101 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073122 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073124 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073126 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073131 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073149 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073156 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073168 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073183 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073186 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073191 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073218 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073219 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073220 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073235 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073239 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073245 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073246 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073249 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073252 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073255 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073273 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073278 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073281 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073297 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073313 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073314 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073315 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073323 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073324 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073328 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073334 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073337 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073339 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073350 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073355 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073362 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073365 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073367 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073368 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073372 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073379 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073394 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073404 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073409 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073413 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073415 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073416 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073428 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073430 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073431 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073434 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073453 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073458 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073460 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073461 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073466 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073477 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073479 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073483 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073491 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073493 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073495 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073498 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073503 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073505 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073507 | No | Yes | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) |
| 408073515 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073522 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073524 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073526 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073528 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073559 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073568 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073570 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073574 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073583 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073584 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073586 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073587 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073591 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073595 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073598 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073603 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073605 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073612 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073620 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073624 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073636 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073639 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073667 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073668 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073679 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073694 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073697 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073701 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408073721 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** |
| 406063166 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.76 | 33.63 | 33.63 | 33.63 | 33.63 |
| 408062021 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.06 | 49.11 | 49.06 | 49.11 | 49.11 |
| 408068690 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 |
| 408069450 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.21 | 47.21 | 47.21 | 47.21 | 47.21 |
| 408069467 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.13 | 45.13 | 45.13 | 45.13 | 45.13 |
| 408069490 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.92 | 29.3 | 30.92 | 29.3 | 29.3 |
| 408069506 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.12 | 21.12 | 21.12 | 21.12 | 21.12 |
| 408069716 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.8 | 49.8 | 49.8 | 49.8 |
| 408069767 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.92 | 36.92 | 36.92 | 36.92 | 36.92 |
| 408069795 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.05 | 21.05 | 21.05 | 21.05 | 21.05 |
| 408069893 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.59 | 40.87 | 38.59 | 40.87 | 40.87 |
| 408069895 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.27 | 49.37 | 49.27 | 49.37 | 49.37 |
| 408069992 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.11 | 45.97 | 47.11 | 45.97 | 45.97 |
| 408070028 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.88 | 49.67 | 49.88 | 49.67 | 49.67 |
| 408070446 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.6 | 46.61 | 46.6 | 46.61 | 46.61 |
| 408070479 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.77 | 31.91 | 28.77 | 31.91 | 31.91 |
| 408070492 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.65 | 47.69 | 46.65 | 47.69 | 47.69 |
| 408070543 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.18 | 37.18 | 37.18 | 37.18 | 37.18 |
| 408070590 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.5 | 31.18 | 31.5 | 31.18 | 31.18 |
| 408070612 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.53 | 31.53 | 31.53 | 31.53 | 31.53 |
| 408070627 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.78 | 48.77 | 48.78 | 48.77 | 48.77 |
| 408070671 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.44 | 29.97 | 29.44 | 29.97 | 29.97 |
| 408070691 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.8 | 36.07 | 35.8 | 36.07 | 36.07 |
| 408070816 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31 | 30.87 | 31 | 30.87 | 30.87 |
| 408070874 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.42 | 45.42 | 45.42 | 45.42 | 45.42 |
| 408070883 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.64 | 44.64 | 44.64 | 44.64 | 44.64 |
| 408070998 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.97 | 45.21 | 45.97 | 45.21 | 45.21 |
| 408071012 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.15 | 23.26 | 23.15 | 23.26 | 23.26 |
| 408071026 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.85 | 49.66 | 49.85 | 49.66 | 49.66 |
| 408071096 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.54 | 34.54 | 34.54 | 34.54 | 34.54 |
| 408071098 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.17 | 42.61 | 42.17 | 42.61 | 42.61 |
| 408071125 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 42.98 | 41.74 | 42.98 | 42.98 |
| 408071198 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.01 | 30.01 | 30.01 | 30.01 | 30.01 |
| 408071211 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.28 | 24.97 | 23.28 | 24.97 | 24.97 |
| 408071315 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.21 | 46.25 | 48.21 | 46.25 | 46.25 |
| 408071389 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.55 | 48.14 | 46.55 | 48.14 | 48.14 |
| 408071405 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.55 | 42.56 | 42.55 | 42.56 | 42.55 |
| 408071461 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.82 | 32.9 | 33.82 | 32.9 | 32.9 |
| 408071479 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.92 | 34.59 | 38.92 | 34.59 | 34.59 |
| 408071520 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.89 | 49.9 | 49.89 | 49.9 | 49.9 |
| 408071546 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.53 | 42.53 | 42.53 | 42.53 | 42.53 |
| 408071547 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.73 | 33.18 | 32.73 | 33.18 | 33.18 |
| 408071552 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.91 | 31.91 | 31.91 | 31.91 | 31.91 |
| 408071562 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30 | 30.01 | 30 | 30.01 | 30.01 |
| 408071564 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 41.99 | 42.02 | 41.99 | 41.99 |
| 408071573 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.69 | 48.82 | 49.69 | 48.82 | 48.82 |
| 408071575 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.72 | 45.51 | 44.72 | 45.51 | 45.51 |
| 408071579 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.65 | 34.66 | 34.65 | 34.65 |
| 408071585 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 6.46 | 6.46 | 6.46 | 6.46 | 6.46 |
| 408071610 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.03 | 41.06 | 41.03 | 41.06 | 41.06 |
| 408071624 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.79 | 47.79 | 47.79 | 47.79 | 47.79 |
| 408071633 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.43 | 24.43 | 24.43 | 24.43 | 24.43 |
| 408071649 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.22 | 45.21 | 45.22 | 45.21 | 45.21 |
| 408071667 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.25 | 20.69 | 14.25 | 20.69 | 20.69 |
| 408071676 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.25 | 39.26 | 39.25 | 39.26 | 39.26 |
| 408071704 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.66 | 33.65 | 33.66 | 33.65 | 33.65 |
| 408071708 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.08 | 38.08 | 38.08 | 38.08 | 38.08 |
| 408071712 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.31 | 22.23 | 22.31 | 22.23 | 22.23 |
| 408071718 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.43 | 24.43 | 24.43 | 24.43 | 24.43 |
| 408071735 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.81 | 41.81 | 41.81 | 41.81 | 41.81 |
| 408071744 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.46 | 40.46 | 40.46 | 40.46 | 40.46 |
| 408071758 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.87 | 22.87 | 22.87 | 22.87 | 22.87 |
| 408071775 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.78 | 28.81 | 29.78 | 28.81 | 28.81 |
| 408071799 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.12 | 27.04 | 27.12 | 27.04 | 27.04 |
| 408071802 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.66 | 40.83 | 36.66 | 40.83 | 40.83 |
| 408071819 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.14 | 34.37 | 32.14 | 34.37 | 34.37 |
| 408071827 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.25 | 41.26 | 41.25 | 41.26 | 41.26 |
| 408071854 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.97 | 42.8 | 42.97 | 42.8 | 42.8 |
| 408071867 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.96 | 29.77 | 30.96 | 29.77 | 29.77 |
| 408071873 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.47 | 38.49 | 38.47 | 38.49 | 38.49 |
| 408071875 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.91 | 39.81 | 39.91 | 39.81 | 39.81 |
| 408071877 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 22.33 | 0 | 22.33 | 22.33 |
| 408071923 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.43 | 41.06 | 41.43 | 41.06 | 41.06 |
| 408071926 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.83 | 38.83 | 38.83 | 38.83 | 38.83 |
| 408071936 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.41 | 19.41 | 19.41 | 19.41 | 19.41 |
| 408071951 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.58 | 48.65 | 48.58 | 48.65 | 48.65 |
| 408071977 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.95 | 34.52 | 27.95 | 34.52 | 34.52 |
| 408071985 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.73 | 23.73 | 23.73 | 23.73 | 23.73 |
| 408072009 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.96 | 36.96 | 36.96 | 36.96 | 36.96 |
| 408072036 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.67 | 33.52 | 34.67 | 33.52 | 33.52 |
| 408072053 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34 | 34.33 | 34.21 | 34.33 | 34.33 |
| 408072055 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.9 | 20.9 | 20.9 | 20.9 | 20.9 |
| 408072060 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.42 | 42.25 | 44.42 | 42.25 | 42.25 |
| 408072061 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.7 | 40.7 | 40.7 | 40.7 | 40.7 |
| 408072077 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.33 | 26.33 | 26.33 | 26.33 | 26.33 |
| 408072078 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.24 | 44.24 | 44.24 | 44.24 | 44.24 |
| 408072097 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.62 | 20.62 | 20.62 | 20.62 | 20.62 |
| 408072133 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.79 | 31.71 | 13.79 | 31.71 | 31.71 |
| 408072150 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.63 | 9 | 8.63 | 9 | 9 |
| 408072155 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.39 | 21.39 | 21.39 | 21.39 | 21.39 |
| 408072236 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.67 | 42.67 | 42.67 | 42.67 | 42.67 |
| 408072237 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.7 | 46.7 | 46.7 | 46.7 | 46.7 |
| 408072240 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.25 | 41.33 | 34.25 | 41.33 | 41.33 |
| 408072256 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.81 | 49.81 | 49.81 | 49.81 | 49.81 |
| 408072259 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 39.53 | 41.12 | 39.53 | 39.53 |
| 408072265 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.5 | 36.5 | 36.5 | 36.5 | 36.5 |
| 408072267 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.68 | 39.58 | 39.68 | 39.58 | 39.58 |
| 408072269 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.91 | 26.08 | 37.91 | 26.08 | 26.08 |
| 408072272 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.32 | 46.32 | 46.32 | 46.32 | 46.32 |
| 408072279 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.77 | 34 | 37.77 | 34 | 34 |
| 408072283 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.55 | 25.55 | 25.55 | 25.55 | 25.55 |
| 408072301 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.99 | 42.99 | 42.99 | 42.99 |
| 408072303 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.98 | 42.98 | 42.98 | 42.98 | 42.98 |
| 408072312 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.95 | 38.85 | 41.94 | 38.85 | 38.85 |
| 408072324 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.35 | 30.36 | 30.35 | 30.36 | 30.36 |
| 408072326 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.64 | 33.47 | 36.64 | 33.47 | 33.47 |
| 408072329 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.98 | 29.66 | 30.98 | 29.66 | 29.66 |
| 408072343 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.29 | 37.29 | 37.29 | 37.29 | 37.29 |
| 408072345 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.15 | 35.16 | 35.15 | 35.16 | 35.16 |
| 408072357 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.98 | 27.52 | 25.98 | 27.52 | 27.52 |
| 408072379 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.48 | 33.47 | 33.48 | 33.47 | 33.47 |
| 408072384 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.89 | 33.89 | 33.89 | 33.89 | 33.89 |
| 408072408 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.17 | 37.17 | 37.17 | 37.17 | 37.17 |
| 408072426 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.01 | 46.81 | 38.05 | 46.81 | 46.81 |
| 408072451 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.1 | 40.81 | 39.1 | 40.81 | 40.81 |
| 408072458 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.36 | 39.36 | 39.36 | 39.36 | 39.36 |
| 408072462 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.35 | 39.97 | 40.35 | 39.97 | 39.97 |
| 408072475 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.14 | 28.03 | 28.14 | 28.03 | 28.03 |
| 408072477 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 27 | 27 | 27 | 27 |
| 408072480 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.28 | 48.29 | 48.28 | 48.29 | 48.29 |
| 408072489 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.56 | 45.56 | 45.56 | 45.56 | 45.56 |
| 408072491 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.7 | 34.76 | 35.7 | 34.76 | 34.76 |
| 408072508 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.63 | 47.53 | 44.63 | 47.53 | 47.53 |
| 408072529 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.83 | 42.94 | 42.83 | 42.94 | 42.94 |
| 408072535 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.98 | 36.98 | 36.98 | 36.98 | 36.98 |
| 408072561 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.6 | 36.54 | 36.6 | 36.54 | 36.54 |
| 408072589 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.68 | 39.68 | 39.68 | 39.68 | 39.68 |
| 408072590 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.03 | 36.03 | 36.03 | 36.03 | 36.03 |
| 408072621 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.55 | 40.74 | 42.55 | 40.74 | 40.74 |
| 408072640 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.85 | 40.85 | 40.85 | 40.85 | 40.85 |
| 408072658 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.81 | 23.67 | 23.81 | 23.67 | 23.67 |
| 408072682 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.83 | 27.83 | 27.83 | 27.83 | 27.83 |
| 408072684 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.45 | 38.7 | 39.45 | 38.7 | 38.7 |
| 408072705 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.07 | 35.88 | 35.07 | 35.88 | 35.88 |
| 408072727 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.62 | 41.97 | 37.62 | 41.97 | 41.97 |
| 408072735 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.08 | 35.03 | 36.08 | 35.03 | 35.03 |
| 408072738 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.22 | 42.22 | 42.22 | 42.22 | 42.22 |
| 408072739 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.13 | 39.13 | 39.13 | 39.13 | 39.13 |
| 408072783 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.48 | 35.48 | 35.48 | 35.48 | 35.48 |
| 408072790 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.35 | 45.78 | 43.35 | 45.78 | 45.78 |
| 408072804 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.13 | 17.17 | 16.13 | 17.17 | 17.17 |
| 408072806 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.68 | 37.15 | 41.68 | 37.15 | 37.15 |
| 408072810 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.71 | 35.71 | 35.71 | 35.71 | 35.71 |
| 408072829 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 40.55 | 41.12 | 40.55 | 40.55 |
| 408072831 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.31 | 40.81 | 41.31 | 40.81 | 40.81 |
| 408072836 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.87 | 26.38 | 25.87 | 26.38 | 26.38 |
| 408072837 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 42.74 | 42.8 | 42.74 | 42.74 |
| 408072839 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.11 | 46.14 | 46.11 | 46.14 | 46.14 |
| 408072867 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.21 | 26.21 | 26.21 | 26.21 | 26.21 |
| 408072874 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.75 | 30.72 | 30.75 | 30.72 | 30.72 |
| 408072879 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.06 | 30.06 | 30.06 | 30.06 | 30.06 |
| 408072881 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.88 | 36.78 | 36.88 | 36.78 | 36.78 |
| 408072897 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.17 | 41.91 | 42.17 | 41.91 | 41.91 |
| 408072906 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.93 | 42.8 | 42.93 | 42.8 | 42.8 |
| 408072919 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.92 | 27.92 | 27.92 | 27.92 | 27.92 |
| 408072920 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.41 | 49.38 | 49.41 | 49.38 | 49.38 |
| 408072929 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.78 | 32.04 | 32.78 | 32.04 | 32.04 |
| 408072931 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.2 | 36.2 | 36.2 | 36.2 | 36.2 |
| 408072932 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.35 | 4.35 | 4.35 | 4.35 | 4.35 |
| 408072935 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.83 | 16.83 | 16.83 | 16.83 | 16.83 |
| 408072937 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.82 | 34.84 | 34.82 | 34.84 | 34.84 |
| 408072943 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21 | 21 | 21 | 21 | 21 |
| 408072966 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.59 | 47.23 | 48.59 | 47.23 | 47.23 |
| 408072967 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.45 | 25.38 | 26.45 | 25.38 | 25.38 |
| 408072982 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.59 | 33.59 | 33.59 | 33.59 | 33.59 |
| 408072986 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.8 | 21.76 | 21.8 | 21.76 | 21.76 |
| 408073001 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.9 | 39.9 | 39.9 | 39.9 | 39.9 |
| 408073005 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.84 | 34.96 | 32.84 | 34.96 | 34.96 |
| 408073015 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.96 | 40.96 | 40.96 | 40.96 | 40.96 |
| 408073031 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.27 | 35.53 | 35.27 | 35.53 | 35.53 |
| 408073043 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.51 | 20.51 | 20.51 | 20.51 | 20.51 |
| 408073051 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.25 | 36.26 | 36.25 | 36.26 | 36.26 |
| 408073053 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.25 | 42.23 | 39.25 | 42.23 | 42.23 |
| 408073057 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.93 | 48.22 | 49.93 | 48.22 | 48.22 |
| 408073069 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.91 | 49.32 | 49.91 | 49.32 | 49.32 |
| 408073081 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.86 | 39.86 | 39.86 | 39.86 | 39.86 |
| 408073084 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.37 | 32.56 | 31.37 | 32.56 | 32.56 |
| 408073091 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.63 | 36.92 | 37.63 | 36.92 | 36.92 |
| 408073093 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.39 | 48.52 | 47.39 | 48.52 | 48.52 |
| 408073096 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.54 | 42.54 | 42.54 | 42.54 | 42.54 |
| 408073100 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.52 | 32.52 | 32.52 | 32.52 | 32.52 |
| 408073101 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.91 | 38.65 | 38.91 | 38.65 | 38.65 |
| 408073122 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.36 | 41.54 | 41.36 | 41.54 | 41.54 |
| 408073124 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.84 | 32.77 | 31.84 | 32.77 | 32.77 |
| 408073126 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.93 | 38.93 | 38.93 | 38.93 | 38.93 |
| 408073131 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.79 | 33.63 | 36.79 | 33.63 | 33.63 |
| 408073149 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.29 | 32.29 | 32.29 | 32.29 | 32.29 |
| 408073156 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.71 | 23.99 | 20.71 | 23.99 | 23.99 |
| 408073168 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.54 | 29.36 | 29.54 | 29.36 | 29.36 |
| 408073183 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.14 | 37.14 | 37.14 | 37.14 | 37.14 |
| 408073186 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.37 | 26.08 | 24.37 | 26.08 | 26.08 |
| 408073191 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.07 | 34.07 | 34.07 | 34.07 | 34.07 |
| 408073218 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.34 | 37.61 | 30.34 | 37.61 | 37.61 |
| 408073219 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.39 | 48.74 | 48.39 | 48.74 | 48.74 |
| 408073220 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.17 | 30.98 | 28.17 | 30.98 | 30.98 |
| 408073235 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.08 | 35.99 | 37.08 | 35.99 | 35.99 |
| 408073239 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.32 | 38.33 | 38.32 | 38.33 | 38.33 |
| 408073245 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.36 | 22.8 | 26.36 | 22.8 | 22.8 |
| 408073246 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.32 | 27.32 | 27.32 | 27.32 | 27.32 |
| 408073249 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.66 | 42.66 | 42.66 | 42.66 | 42.66 |
| 408073252 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.96 | 21.01 | 22.96 | 21.01 | 21.01 |
| 408073255 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.48 | 39.49 | 39.48 | 39.49 | 39.49 |
| 408073273 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.83 | 49.94 | 49.83 | 49.94 | 49.94 |
| 408073278 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.9 | 40.9 | 40.9 | 40.9 | 40.9 |
| 408073281 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 |
| 408073297 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.92 | 46.92 | 46.92 | 46.92 | 46.92 |
| 408073313 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 42.8 | 42.8 | 42.8 | 42.8 |
| 408073314 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.72 | 32.49 | 32.72 | 32.49 | 32.49 |
| 408073315 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.59 | 38.59 | 38.59 | 38.59 | 38.59 |
| 408073323 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.06 | 37.05 | 37.06 | 37.05 | 37.05 |
| 408073324 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.17 | 40.18 | 40.17 | 40.18 | 40.18 |
| 408073328 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.78 | 41.18 | 42.78 | 41.18 | 41.18 |
| 408073334 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.35 | 42.35 | 42.35 | 42.35 | 42.35 |
| 408073337 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.15 | 37.66 | 41.15 | 37.66 | 37.66 |
| 408073339 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.03 | 34.86 | 36.03 | 34.86 | 34.86 |
| 408073350 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.67 | 37.48 | 37.67 | 37.48 | 37.48 |
| 408073355 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.44 | 35.38 | 35.44 | 35.38 | 35.38 |
| 408073362 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.67 | 46.59 | 48.67 | 46.59 | 46.59 |
| 408073365 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.23 | 36.23 | 36.23 | 36.23 | 36.23 |
| 408073367 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.46 | 40.82 | 41.46 | 40.82 | 40.82 |
| 408073368 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.54 | 42.54 | 42.54 | 42.54 | 42.54 |
| 408073372 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.8 | 49.66 | 49.8 | 49.66 | 49.66 |
| 408073379 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.82 | 38.79 | 40.82 | 38.79 | 38.79 |
| 408073394 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.56 | 38.56 | 38.56 | 38.56 | 38.56 |
| 408073404 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.97 | 25.76 | 25.97 | 25.76 | 25.76 |
| 408073409 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.13 | 33.13 | 33.13 | 33.13 | 33.13 |
| 408073413 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.26 | 34.66 | 36.26 | 34.66 | 34.66 |
| 408073415 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.59 | 39.59 | 39.59 | 39.59 | 39.59 |
| 408073416 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.53 | 37.53 | 37.53 | 37.53 | 37.53 |
| 408073428 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.06 | 36.06 | 36.06 | 36.06 | 36.06 |
| 408073430 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.69 | 48.29 | 48.69 | 48.29 | 48.29 |
| 408073431 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.94 | 39.87 | 39.94 | 39.87 | 39.87 |
| 408073434 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.94 | 23.88 | 25.94 | 23.88 | 23.88 |
| 408073453 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.79 | 40.58 | 41.79 | 40.58 | 40.58 |
| 408073458 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.46 | 35.65 | 37.46 | 35.65 | 35.65 |
| 408073460 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.79 | 33.79 | 33.79 | 33.79 | 33.79 |
| 408073461 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.84 | 42.03 | 44.84 | 42.03 | 42.03 |
| 408073466 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 42.29 | 42.99 | 42.29 | 42.29 |
| 408073477 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.07 | 42.22 | 41.07 | 42.22 | 42.22 |
| 408073479 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.44 | 41.44 | 41.44 | 41.44 | 41.44 |
| 408073483 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.55 | 21.55 | 21.55 | 21.55 | 21.55 |
| 408073491 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.3 | 28.57 | 26.3 | 28.57 | 28.57 |
| 408073493 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.5 | 42.5 | 42.5 | 42.5 | 42.5 |
| 408073495 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.94 | 26.7 | 26.94 | 26.7 | 26.7 |
| 408073498 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 |
| 408073503 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.33 | 40.28 | 40.33 | 40.28 | 40.28 |
| 408073505 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.09 | 41.32 | 41.09 | 41.32 | 41.32 |
| 408073507 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.41 | 29.41 | 29.41 | 29.41 | 29.41 |
| 408073515 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.99 | 32.99 | 32.99 | 32.99 | 32.99 |
| 408073522 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.67 | 46.67 | 46.67 | 46.67 | 46.67 |
| 408073524 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.32 | 37.04 | 37.32 | 37.04 | 37.04 |
| 408073526 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20 | 19.59 | 20 | 19.59 | 19.59 |
| 408073528 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.58 | 41.52 | 41.58 | 41.52 | 41.52 |
| 408073559 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.76 | 46.08 | 46.76 | 46.08 | 46.08 |
| 408073568 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.05 | 39.95 | 40.05 | 39.95 | 39.95 |
| 408073570 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.81 | 27.59 | 25.81 | 27.59 | 27.59 |
| 408073574 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.92 | 44.7 | 44.92 | 44.7 | 44.7 |
| 408073583 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.31 | 48.31 | 48.31 | 48.31 | 48.31 |
| 408073584 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.34 | 42.83 | 42.34 | 42.83 | 42.83 |
| 408073586 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.25 | 36.41 | 36.25 | 36.41 | 36.41 |
| 408073587 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.61 | 26.61 | 26.61 | 26.61 | 26.61 |
| 408073591 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.16 | 35.16 | 35.16 | 35.16 | 35.16 |
| 408073595 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.71 | 42.37 | 39.71 | 42.37 | 42.37 |
| 408073598 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.92 | 20.69 | 20.92 | 20.69 | 20.69 |
| 408073603 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.77 | 36.02 | 38.77 | 36.02 | 36.02 |
| 408073605 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.09 | 41.38 | 40.09 | 41.38 | 41.38 |
| 408073612 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.69 | 32.4 | 34.69 | 32.4 | 32.4 |
| 408073620 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.13 | 39.13 | 39.13 | 39.13 | 39.13 |
| 408073624 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.31 | 21.31 | 21.31 | 21.31 | 21.31 |
| 408073636 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.61 | 38.13 | 37.61 | 38.13 | 38.13 |
| 408073639 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.58 | 26.58 | 26.58 | 26.58 | 26.58 |
| 408073667 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.7 | 38.83 | 38.7 | 38.83 | 38.83 |
| 408073668 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.26 | 26.4 | 28.26 | 26.4 | 26.4 |
| 408073679 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.54 | 43.9 | 43.53 | 43.9 | 43.9 |
| 408073694 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.93 | 42.93 | 42.93 | 42.93 | 42.93 |
| 408073697 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.96 | 40.55 | 41.96 | 40.55 | 40.55 |
| 408073701 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.3 | 30.3 | 30.3 | 30.3 | 30.3 |
| 408073721 | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 41 | 40.97 | 41 | 41 |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** |
| 406063166 | 33.63 | No | No | (No Data) | XXXXX | (No Data) | XXXXX | (No Data) | XXXXX |
| 408062021 | 49.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408068690 | 32.62 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069450 | 47.21 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408069467 | 45.13 | No | Yes | No | XXXXX | No | XXXXX | No | XXXXX |
| 408069490 | 29.3 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069506 | 21.12 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408069716 | 49.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069767 | 36.92 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069795 | 21.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069893 | 40.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408069895 | 49.37 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408069992 | 45.97 | No | Yes | No | XXXXX | No | XXXXX | No | XXXXX |
| 408070028 | 49.67 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070446 | 46.61 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070479 | 31.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070492 | 47.69 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070543 | 37.18 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070590 | 31.18 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070612 | 31.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070627 | 48.77 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070671 | 29.97 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408070691 | 36.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070816 | 30.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070874 | 45.42 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070883 | 44.64 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408070998 | 45.21 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071012 | 23.26 | No | Yes | No | XXXXX | No | XXXXX | No | XXXXX |
| 408071026 | 49.66 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071096 | 34.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071098 | 42.61 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071125 | 42.98 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071198 | 30.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071211 | 24.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071315 | 46.25 | No | Yes | No | XXXXX | No | XXXXX | No | XXXXX |
| 408071389 | 48.14 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071405 | 42.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071461 | 32.9 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071479 | 34.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071520 | 49.9 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071546 | 42.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071547 | 33.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071552 | 31.91 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071562 | 30.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071564 | 41.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071573 | 48.82 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071575 | 45.51 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071579 | 34.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071585 | 6.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071610 | 41.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071624 | 47.79 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071633 | 24.43 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071649 | 45.21 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071667 | 20.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071676 | 39.26 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071704 | 33.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071708 | 38.08 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071712 | 22.23 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071718 | 24.43 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071735 | 41.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071744 | 40.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071758 | 22.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071775 | 28.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071799 | 27.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071802 | 40.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071819 | 34.37 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071827 | 41.26 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071854 | 42.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071867 | 29.77 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071873 | 38.49 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071875 | 39.81 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071877 | 22.33 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071923 | 41.06 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071926 | 38.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071936 | 19.41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071951 | 48.65 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408071977 | 34.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408071985 | 23.73 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072009 | 36.96 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072036 | 33.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072053 | 34.33 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072055 | 20.9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072060 | 42.25 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072061 | 40.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072077 | 26.33 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072078 | 44.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072097 | 20.62 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072133 | 31.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072150 | 9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072155 | 21.39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072236 | 42.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072237 | 46.7 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072240 | 41.33 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072256 | 49.81 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072259 | 39.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072265 | 36.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072267 | 39.58 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072269 | 26.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072272 | 46.32 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072279 | 34 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072283 | 25.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072301 | 42.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072303 | 42.98 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072312 | 38.85 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072324 | 30.36 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072326 | 33.47 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072329 | 29.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072343 | 37.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072345 | 35.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072357 | 27.52 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072379 | 33.47 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072384 | 33.89 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072408 | 37.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072426 | 46.81 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072451 | 40.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072458 | 39.36 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072462 | 39.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072475 | 28.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072477 | 27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072480 | 48.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072489 | 45.56 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072491 | 34.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072508 | 47.53 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072529 | 42.94 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072535 | 36.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072561 | 36.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072589 | 39.68 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072590 | 36.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072621 | 40.74 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072640 | 40.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072658 | 23.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072682 | 27.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072684 | 38.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072705 | 35.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072727 | 41.97 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072735 | 35.03 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072738 | 42.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072739 | 39.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072783 | 35.48 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072790 | 45.78 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072804 | 17.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072806 | 37.15 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072810 | 35.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072829 | 40.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072831 | 40.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072836 | 26.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072837 | 42.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072839 | 46.14 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072867 | 26.21 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072874 | 30.72 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072879 | 30.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072881 | 36.94 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072897 | 41.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072906 | 42.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072919 | 27.92 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072920 | 49.38 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072929 | 32.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072931 | 36.2 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072932 | 4.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072935 | 16.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072937 | 34.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072943 | 21 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072966 | 47.23 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408072967 | 25.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072982 | 33.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408072986 | 21.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073001 | 39.9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073005 | 34.96 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073015 | 40.96 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073031 | 35.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073043 | 20.51 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073051 | 36.26 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073053 | 42.23 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073057 | 48.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073069 | 49.32 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073081 | 39.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073084 | 32.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073091 | 36.92 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073093 | 48.52 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073096 | 42.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073100 | 32.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073101 | 38.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073122 | 41.54 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073124 | 32.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073126 | 38.93 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073131 | 33.63 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073149 | 32.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073156 | 23.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073168 | 29.36 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073183 | 37.14 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073186 | 26.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073191 | 34.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073218 | 37.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073219 | 48.74 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073220 | 30.98 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073235 | 35.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073239 | 38.33 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073245 | 22.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073246 | 27.32 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073249 | 42.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073252 | 21.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073255 | 39.49 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073273 | 49.94 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073278 | 40.9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073281 | 39.54 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073297 | 46.92 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073313 | 42.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073314 | 32.49 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073315 | 38.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073323 | 37.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073324 | 40.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073328 | 41.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073334 | 42.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073337 | 37.66 | No | Yes | No | XXXXX | No | XXXXX | No | XXXXX |
| 408073339 | 34.86 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073350 | 37.48 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073355 | 35.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073362 | 46.59 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073365 | 36.23 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073367 | 40.82 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073368 | 42.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073372 | 49.66 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073379 | 38.79 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073394 | 38.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073404 | 25.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073409 | 33.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073413 | 34.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073415 | 39.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073416 | 37.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073428 | 36.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073430 | 48.29 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073431 | 39.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073434 | 23.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073453 | 40.58 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073458 | 35.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073460 | 33.79 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073461 | 42.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073466 | 42.29 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073477 | 42.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073479 | 41.44 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073483 | 21.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073491 | 28.57 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073493 | 42.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073495 | 26.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073498 | 49.99 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073503 | 40.28 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073505 | 41.32 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073507 | 29.41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073515 | 32.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073522 | 46.67 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073524 | 37.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073526 | 19.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073528 | 41.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073559 | 46.08 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073568 | 39.95 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073570 | 27.59 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073574 | 44.7 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073583 | 48.31 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX |
| 408073584 | 42.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073586 | 36.41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073587 | 26.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073591 | 35.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073595 | 42.37 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073598 | 20.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073603 | 36.02 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073605 | 41.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073612 | 32.4 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073620 | 39.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073624 | 21.31 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073636 | 38.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073639 | 26.58 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073667 | 38.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073668 | 26.4 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073679 | 43.9 | Yes | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073694 | 42.93 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073697 | 40.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073701 | 30.3 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |
| 408073721 | 41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Status** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 406063166 | Client Complete | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408062021 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408068690 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069450 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069467 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069490 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069506 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069716 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408069767 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 14 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 408069795 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069893 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 408069895 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069992 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070028 | Client Complete | No | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 408070446 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408070479 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070492 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months; | (No Data) | (No Data) |
| 408070543 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070590 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070612 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 69 months; | (No Data) | (No Data) | (No Data) |
| 408070627 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 18 months; | (No Data) | (No Data) | (No Data) |
| 408070671 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 186 months; | (No Data) | (No Data) | (No Data) |
| 408070691 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408070816 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 408070874 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408070883 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070998 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 14 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071012 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071026 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071096 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071098 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071125 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071198 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071211 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071315 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071389 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071405 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071461 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071479 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 0 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 334 months; | (No Data) | (No Data) | (No Data) |
| 408071520 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071546 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; |
| 408071547 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | W2 - 24 months;<br> Written VOE - 130 months; | (No Data) | (No Data) |
| 408071552 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071562 | Client Complete | No | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408071564 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071573 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071575 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071579 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071585 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071610 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071624 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 408071633 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 5 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071649 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071667 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071676 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071704 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071708 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Bank Statements - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408071712 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071718 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071735 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071744 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 3 months; | (No Data) | (No Data) | (No Data) |
| 408071758 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071775 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071799 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408071802 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408071819 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408071827 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 48 months; | (No Data) | (No Data) | (No Data) |
| 408071854 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408071867 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 408071873 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 46 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 69 months; | (No Data) | (No Data) |
| 408071875 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071877 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071923 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) |
| 408071926 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071936 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071951 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071977 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408071985 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072009 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408072036 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072053 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072055 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072060 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 5 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072061 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072077 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072078 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072097 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072133 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 0 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072150 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072155 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072236 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months; | (No Data) | (No Data) | (No Data) |
| 408072237 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072240 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 36 months; | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 36 months; | (No Data) | (No Data) |
| 408072256 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072259 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072265 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072267 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072269 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072272 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072279 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072283 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072301 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072303 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072312 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072324 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072326 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072329 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072343 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408072345 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 62 months; | (No Data) | (No Data) | (No Data) |
| 408072357 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072379 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 12 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| 408072384 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072408 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072426 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072451 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 36 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 36 months; | (No Data) | (No Data) |
| 408072458 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072462 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072475 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072477 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Offer Letter - 1 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072480 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072489 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072491 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 58 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 264 months; | (No Data) | (No Data) |
| 408072508 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072529 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072535 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072561 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) |
| 408072589 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072590 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072621 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408072640 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072658 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072682 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072684 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months; | (No Data) |
| 408072705 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 408072727 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> P & L - 17 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072735 | Client Complete | No | (No Data) | (No Data) | (No Data) | CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | CPA Letter without Income - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072738 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) |
| 408072739 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072783 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072790 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072804 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072806 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072810 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072829 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072831 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072836 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072837 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 408072839 | Client Complete | No | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408072867 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072874 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072879 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072881 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072897 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072906 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072919 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072920 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072929 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072931 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | Business Tax Return - 12 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 408072932 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 16 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072935 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072937 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072943 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072966 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072967 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072982 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072986 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073001 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 36 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 408073005 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408073015 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073031 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073043 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 41 months; | (No Data) | (No Data) | (No Data) |
| 408073051 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073053 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073057 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Award Letter - 1 months; | Paystub - 2 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) |
| 408073069 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073081 | Client Complete | No | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073084 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073091 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 19 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 18 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; |
| 408073093 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073096 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073100 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073101 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408073122 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073124 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073126 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) | (No Data) |
| 408073131 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073149 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 408073156 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073168 | Client Complete | No | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 408073183 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073186 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073191 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months; | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months; | (No Data) | (No Data) |
| 408073218 | Client Complete | No | (No Data) | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073219 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073220 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073235 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073239 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073245 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073246 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 408073249 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) | (No Data) |
| 408073252 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073255 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073273 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073278 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073281 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073297 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073313 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408073314 | Client Complete | No | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073315 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073323 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073324 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073328 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073334 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408073337 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073339 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073350 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 408073355 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 0 months;<br> Personal Tax Return - 24 months; | Award Letter - 0 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073362 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073365 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073367 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073368 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073372 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073379 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073394 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073404 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073409 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073413 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073415 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 408073416 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073428 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073430 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073431 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073434 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 0 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073453 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073458 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073460 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073461 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073466 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073477 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073479 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073483 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 48 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 408073491 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073493 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 9 months; | (No Data) | (No Data) | (No Data) |
| 408073495 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073498 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073503 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073505 | Client Complete | No | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073507 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073515 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073522 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Personal Tax Return - 36 months; | (No Data) | (No Data) | (No Data) |
| 408073524 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | (No Data) | (No Data) |
| 408073526 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 408073528 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073559 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073568 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073570 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073574 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 18 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073583 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> P & L - 8 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073584 | Client Complete | No | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073586 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073587 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073591 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073595 | Client Complete | No | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408073598 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073603 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408073605 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073612 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073620 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073624 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073636 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073639 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073667 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073668 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073679 | Client Complete | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 408073694 | Client Complete | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months; | (No Data) | (No Data) | (No Data) |
| 408073697 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 12 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073701 | Client Complete | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073721 | Client Complete | No | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months; | Award Letter - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |

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©2022 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

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| | |
|:---|:---|
| **EXHIBIT 99.5** | **CLAYTON VALUATIONS SUMMARY**  |

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *278* |

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** |
| **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** |
| 406063166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408062021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408068690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069795 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069893 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070671 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070691 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071198 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071564 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071575 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071610 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071676 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071704 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071712 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071758 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071775 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071802 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071827 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071985 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072237 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072256 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072267 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072269 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072529 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072561 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072640 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072658 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072682 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072684 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072705 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072727 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072735 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072806 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072810 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072831 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072836 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073313 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073314 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073328 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073355 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073362 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073409 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073416 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXX | XXXX | XXXX | Full Appraisal |
| 408073477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073584 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073605 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073612 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073620 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073636 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073639 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073667 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073679 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073694 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073721 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **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** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 406063166 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408062021 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408068690 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069450 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408069467 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069490 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069506 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069716 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069767 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069795 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069893 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069895 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408069992 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070028 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070446 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070479 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070492 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070543 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070590 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070612 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070627 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070671 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408070691 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070816 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070874 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070883 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408070998 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071012 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071026 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071096 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071098 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071125 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408071198 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071211 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071315 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071389 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071405 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071461 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071479 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071520 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071546 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071547 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071552 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071562 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071564 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071573 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071575 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071579 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071585 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071610 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071624 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071633 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408071649 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071667 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408071676 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071704 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071708 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071712 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071718 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408071735 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071744 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071758 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071775 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071799 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071802 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071819 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071827 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071854 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071867 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071873 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071875 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071877 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071923 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071926 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071936 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071951 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071977 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408071985 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072009 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072036 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072053 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072055 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072060 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072061 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072077 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072078 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072097 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072133 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072150 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072155 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072236 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408072237 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072240 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408072256 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072259 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072265 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072267 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072269 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072272 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072279 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072283 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072301 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072303 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072312 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072324 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072326 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072329 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072343 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072345 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072357 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072379 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072384 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072408 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072426 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072451 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072458 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072462 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072475 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072477 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072480 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072489 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072491 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072508 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072529 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072535 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072561 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072589 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072590 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072621 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072640 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072658 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072682 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072684 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072705 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072727 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072735 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072738 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072739 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072783 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072790 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072804 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072806 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072810 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072829 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072831 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072836 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072837 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072839 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072867 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072874 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408072879 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072881 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072897 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072906 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072919 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072920 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072929 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072931 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072932 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072935 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072937 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072943 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072966 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072967 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072982 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408072986 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073001 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073005 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073015 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073031 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073043 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073051 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073053 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073057 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073069 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073081 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073084 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073091 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073093 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073096 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073100 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073101 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073122 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073124 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073126 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073131 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073149 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073156 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073168 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073183 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073186 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073191 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073218 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073219 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073220 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073235 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073239 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073245 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073246 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073249 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073252 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073255 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073273 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073278 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073281 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073297 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073313 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073314 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073315 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408073323 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073324 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073328 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073334 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408073337 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073339 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073350 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073355 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408073362 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073365 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073367 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073368 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408073372 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073379 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073394 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073404 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073409 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073413 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073415 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073416 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073428 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073430 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073431 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073434 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073453 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073458 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073460 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073461 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073466 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073477 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073479 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073483 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073491 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073493 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073495 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073498 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073503 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073505 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073507 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073515 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073522 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073524 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073526 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073528 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073559 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073568 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073570 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073574 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073583 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073584 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073586 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073587 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073591 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073595 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073598 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073603 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073605 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | XXXX | XXXX |
| 408073612 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073620 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073624 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073636 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073639 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073667 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073668 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073679 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073694 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073697 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073701 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |
| 408073721 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXX | $0.00 | 0.00% |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **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** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 406063166 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408062021 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068690 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069450 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069467 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069490 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069506 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069767 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069795 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069893 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069895 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069992 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070028 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070446 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070479 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070492 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070543 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070590 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070612 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070627 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070671 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070691 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070816 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070874 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070883 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070998 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071012 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071026 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071096 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071098 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071125 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071198 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071211 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071315 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071389 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071405 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071461 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071479 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071520 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071546 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071547 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071552 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071562 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071564 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071573 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071575 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071579 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071585 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071610 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071624 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071633 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071649 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071667 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071676 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071704 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071708 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071712 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071718 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071735 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071744 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071758 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071775 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071799 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071802 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071819 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071827 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071854 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071867 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071873 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071875 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071877 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071923 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071926 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071936 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071951 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071977 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071985 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072009 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072036 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072053 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072055 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072060 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072061 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072077 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072078 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072097 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072133 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072150 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072155 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072236 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072237 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072240 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072256 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072259 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072265 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072267 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072269 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072272 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072279 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072283 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072301 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072303 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072312 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072324 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072326 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072329 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072343 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072345 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072357 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072384 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072408 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072426 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072451 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072458 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072462 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072475 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072477 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072480 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072489 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072491 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072508 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072529 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072535 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072561 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072589 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072590 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072621 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072640 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072658 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072682 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072684 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072705 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072727 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072735 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072738 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072783 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072790 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072804 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072806 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072810 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072829 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072831 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072836 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072837 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072839 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072867 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072874 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072879 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072881 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072897 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072906 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072919 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072920 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072929 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072931 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072932 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072935 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072937 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072943 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072966 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072967 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072982 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072986 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073001 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073005 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073015 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073031 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073043 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073051 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073053 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073057 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073069 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073081 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073084 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073091 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073093 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073096 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073100 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073101 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073122 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073124 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073126 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073131 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073149 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073156 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073168 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073183 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073186 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073191 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073218 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073219 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073220 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073235 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073239 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073245 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073246 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073249 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073252 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073255 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073273 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073278 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073281 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073297 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073313 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073314 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073315 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073323 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073324 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073328 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073334 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073337 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073339 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073350 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073355 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073362 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073365 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073367 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073368 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073372 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073394 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073404 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073409 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073413 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073415 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073416 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073428 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073430 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073431 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073434 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073453 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073458 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073460 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073461 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073466 | XXXXXX | XXXX | XXXX | XXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073477 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073479 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073483 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073491 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073493 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073495 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073498 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073503 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073505 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073507 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073515 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073522 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073524 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073526 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073528 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073559 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073568 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073570 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073574 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073583 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073584 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073586 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073587 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073591 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073595 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073598 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073603 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073605 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073612 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073620 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073624 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073636 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073639 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073667 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073668 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073679 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073694 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073697 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073701 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073721 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 406063166 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408062021 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068690 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069450 | XXXXXX | XXXX | XXXX | XXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069467 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069490 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069506 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069767 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069795 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069893 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069895 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069992 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070028 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070446 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070479 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070492 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070543 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070590 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070612 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070627 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070671 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070691 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070816 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070874 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070883 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070998 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071012 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071026 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071096 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071098 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071125 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071198 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071211 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071315 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071389 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071405 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071461 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071479 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071520 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071546 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071547 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071552 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071562 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071564 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071573 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071575 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071579 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071585 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071610 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071624 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071633 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071649 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071667 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071676 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071704 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071708 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071712 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071718 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071735 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071744 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071758 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071775 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071799 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071802 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071819 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071827 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071854 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071867 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071873 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071875 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071877 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071923 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071926 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071936 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071951 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071977 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071985 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072009 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072036 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072053 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072055 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072060 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072061 | XXXXXX | XXXX | XXXX | XXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072077 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072078 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072097 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072133 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072150 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072155 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072236 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072237 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072240 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072256 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072259 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072265 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072267 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072269 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072272 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072279 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072283 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072301 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072303 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072312 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072324 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072326 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072329 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072343 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072345 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072357 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072384 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072408 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072426 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072451 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072458 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072462 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072475 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072477 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072480 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072489 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072491 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072508 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072529 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072535 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072561 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072589 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072590 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072621 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072640 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072658 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072682 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072684 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072705 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072727 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072735 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072738 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072783 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072790 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072804 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072806 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072810 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072829 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072831 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072836 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072837 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072839 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072867 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072874 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072879 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072881 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072897 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072906 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072919 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072920 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072929 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072931 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072932 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072935 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072937 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072943 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072966 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072967 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072982 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072986 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073001 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073005 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073015 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073031 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073043 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073051 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073053 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073057 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073069 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073081 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073084 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073091 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073093 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073096 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073100 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073101 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073122 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073124 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073126 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073131 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073149 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073156 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073168 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073183 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073186 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073191 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073218 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073219 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073220 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073235 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073239 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073245 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073246 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073249 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073252 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073255 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073273 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073278 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073281 | XXXXXX | XXXX | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073297 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073313 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073314 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073315 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073323 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073324 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073328 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073334 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073337 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073339 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073350 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073355 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073362 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073365 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073367 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073368 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073372 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073394 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073404 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073409 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073413 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073415 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073416 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073428 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073430 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073431 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073434 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073453 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073458 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073460 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073461 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073466 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073477 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073479 | XXXXXX | XXXX | XXXX | XXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073483 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073491 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073493 | XXXXXX | XXXX | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073495 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073498 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073503 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073505 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073507 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073515 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073522 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073524 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073526 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073528 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073559 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073568 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073570 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073574 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073583 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073584 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073586 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073587 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073591 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073595 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073598 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073603 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073605 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073612 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073620 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073624 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073636 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073639 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073667 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073668 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073679 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073694 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073697 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073701 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073721 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 406063166 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408062021 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408068690 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069450 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069467 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069490 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069506 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069716 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069767 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069795 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069893 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069895 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069992 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070028 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070446 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070479 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070492 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070543 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070590 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070612 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070627 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070671 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070691 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408070816 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070874 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070883 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070998 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071012 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071026 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071096 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071098 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071125 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071198 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071211 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408071315 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408071389 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071405 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071461 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071479 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071520 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071546 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071547 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071552 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071562 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071564 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071573 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071575 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071579 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071585 |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 408071610 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071624 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071633 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071649 |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 408071667 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071676 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071704 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071708 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071712 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071718 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071735 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071744 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071758 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071775 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071799 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071802 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071819 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071827 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071854 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071867 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071873 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071875 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071877 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408071923 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071926 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071936 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071951 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071977 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071985 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072009 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072036 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072053 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072055 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072060 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072061 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072077 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072078 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072097 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072133 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072150 |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 408072155 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072236 | 1073 Condo (Mar 05) | XXXXXX | XXXX | XXXX | XXXX | (No Data) |
| 408072237 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072240 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072256 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072259 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072265 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072267 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072269 |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 408072272 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072279 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072283 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072301 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072303 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072312 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072324 |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 408072326 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072329 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072343 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072345 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072357 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072379 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072384 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072408 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072426 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072451 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072458 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072462 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072475 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072477 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072480 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072489 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072491 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072508 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072529 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072535 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072561 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072589 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072590 |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 408072621 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408072640 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072658 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072682 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072684 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072705 |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 408072727 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072735 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072738 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072739 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408072783 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072790 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072804 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072806 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072810 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072829 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072831 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408072836 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072837 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072839 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072867 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072874 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072879 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072881 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072897 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072906 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408072919 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072920 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072929 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072931 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072932 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072935 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072937 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072943 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072966 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072967 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072982 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072986 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073001 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073005 |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 408073015 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073031 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073043 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073051 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073053 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073057 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073069 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073081 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073084 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073091 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073093 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073096 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073100 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073101 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073122 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073124 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073126 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073131 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073149 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073156 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073168 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073183 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073186 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073191 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408073218 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073219 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073220 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073235 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073239 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073245 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073246 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073249 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073252 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073255 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073273 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073278 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073281 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073297 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073313 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073314 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073315 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073323 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073324 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073328 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073334 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073337 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073339 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073350 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073355 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073362 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073365 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073367 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073368 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073372 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073379 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073394 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073404 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073409 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073413 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073415 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073416 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073428 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073430 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073431 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073434 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073453 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073458 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073460 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073461 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073466 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073477 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073479 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073483 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073491 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073493 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073495 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073498 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073503 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073505 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073507 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073515 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073522 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073524 |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 408073526 |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 408073528 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073559 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073568 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073570 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073574 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073583 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073584 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073586 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073587 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073591 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073595 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073598 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073603 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073605 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073612 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073620 |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 408073624 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073636 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073639 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073667 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073668 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073679 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073694 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073697 |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 408073701 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073721 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.6

---

| | |
|:---|:---|
| **EXHIBIT 99.6** | **CLAYTON CONDITIONS REPORT 2.0**  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *222* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **517 - Total Satisfied Conditions** |
| 190 - Credit Review Scope |
| 3 - Category: Ability to Repay/Qualified Mortgage |
| 7 - Category: Application |
| 30 - Category: Assets |
| 19 - Category: Credit/Mtg History |
| 19 - Category: DTI |
| 65 - Category: Income/Employment |
| 10 - Category: Insurance |
| 10 - Category: Legal Documents |
| 1 - Category: Potential Misrepresentation |
| 1 - Category: Re-Verifications |
| 22 - Category: Terms/Guidelines |
| 3 - Category: Title |
| 34 - Property Valuations Review Scope |
| 24 - Category: Appraisal |
| 2 - Category: FEMA |
| 7 - Category: Property |
| 1 - Category: Value |
| 293 - Compliance Review Scope |
| 16 - Category: Ability to Repay/Qualified Mortgage |
| 16 - Category: Compliance Manual |
| 6 - Category: Documentation |
| 1 - Category: Federal Consumer Protection |
| 3 - Category: Finance Charge Tolerance |
| 1 - Category: Other Federal |
| 4 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 13 - Category: Texas Home Equity |
| 230 - Category: TILA/RESPA Integrated Disclosure |
| **109 - Total Waived Conditions** |
| 89 - Credit Review Scope |
| 15 - Category: Assets |
| 14 - Category: Credit/Mtg History |
| 4 - Category: DTI |
| 36 - Category: Income/Employment |
| 1 - Category: Legal Documents |
| 9 - Category: LTV/CLTV |
| 9 - Category: Terms/Guidelines |
| 1 - Category: Title |
| 9 - Property Valuations Review Scope |
| 9 - Category: Property |
| 11 - Compliance Review Scope |
| 5 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: RESPA |
| 5 - Category: Right of Rescission |
|©2022 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *222* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** |
| 406063166 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B C A |
| 406063166 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B C A |
| 406063166 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B C A |
| 406063166 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B C A |
| 406063166 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B C A |
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| 408072055 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408072133 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408072982 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408072982 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
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| 408073015 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073031 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
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| 408073053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
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| 408073057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
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| 408073069 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
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| 408073081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
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| 408073093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
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| 408073122 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073122 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073124 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073124 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073124 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073124 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073149 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073149 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073168 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073168 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073183 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073183 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073218 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073220 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073220 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073235 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073239 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073245 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
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| 408073255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073255 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
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| 408073314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073334 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073339 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073362 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073372 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C |
| 408073372 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C |
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| 408073394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073394 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073409 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
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| 408073415 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073416 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073430 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
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| 408073453 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
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| 408073458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073458 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
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| 408073461 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073461 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073461 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073491 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073491 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
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| 408073495 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) B |
| 408073498 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073498 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073498 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073503 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073507 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073507 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073507 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073507 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073524 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073526 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073528 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073559 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073568 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073568 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073568 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073570 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073570 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073583 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073584 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073584 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073586 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073587 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073587 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073591 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073591 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073591 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073591 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073595 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073603 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073603 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073605 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073605 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073612 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073620 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073624 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073636 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073636 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073639 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073667 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073667 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073668 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073679 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073679 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073694 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073697 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073701 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073721 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073721 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073721 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |

---

---

| |
|:---|
| **Loan Number** |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 406063166 D A B C |
| 408062021 A B |
| 408068690 C B D A |
| 408068690 C B D A |
| 408068690 C B D A |
| 408068690 C B D A |
| 408068690 C B D A |
| 408068690 C B D A |
| 408069450 A |
| 408069467 B D A |
| 408069467 B D A |
| 408069490 A D B |
| 408069490 A D B |
| 408069490 A D B |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069506 D B A |
| 408069716 D B A |
| 408069716 D B A |
| 408069716 D B A |
| 408069716 D B A |
| 408069716 D B A |
| 408069716 D B A |
| 408069767 A D B |
| 408069767 A D B |
| 408069767 A D B |
| 408069767 A D B |
| 408069767 A D B |
| 408069767 A D B |
| 408069767 A D B |
| 408069795 D A |
| 408069795 D A |
| 408069795 D A |
| 408069795 D A |
| 408069795 D A |
| 408069893 A C |
| 408069893 A C |
| 408069895 C A |
| 408069992 B D A |
| 408069992 B D A |
| 408070028 A D B |
| 408070446 A |
| 408070479 C A D B |
| 408070479 C A D B |
| 408070479 C A D B |
| 408070479 C A D B |
| 408070479 C A D B |
| 408070492 A D C |
| 408070492 A D C |
| 408070543 A D |
| 408070543 A D |
| 408070543 A D |
| 408070590 A D |
| 408070590 A D |
| 408070590 A D |
| 408070590 A D |
| 408070612 A |
| 408070627 A |
| 408070671 D A B |
| 408070671 D A B |
| 408070671 D A B |
| 408070671 D A B |
| 408070671 D A B |
| 408070691 A |
| 408070816 A |
| 408070874 A D B |
| 408070874 A D B |
| 408070874 A D B |
| 408070883 A B |
| 408070883 A B |
| 408070883 A B |
| 408070883 A B |
| 408070998 A C B |
| 408070998 A C B |
| 408070998 A C B |
| 408071012 B A |
| 408071012 B A |
| 408071026 A |
| 408071096 B A |
| 408071098 A |
| 408071125 A D B C |
| 408071125 A D B C |
| 408071125 A D B C |
| 408071198 A |
| 408071211 A |
| 408071315 B C A |
| 408071315 B C A |
| 408071315 B C A |
| 408071315 B C A |
| 408071315 B C A |
| 408071389 C A D B |
| 408071389 C A D B |
| 408071405 A |
| 408071461 A B |
| 408071461 A B |
| 408071479 A D B |
| 408071479 A D B |
| 408071479 A D B |
| 408071520 A |
| 408071546 A B |
| 408071546 A B |
| 408071546 A B |
| 408071547 B D A |
| 408071547 B D A |
| 408071547 B D A |
| 408071552 C B A |
| 408071552 C B A |
| 408071552 C B A |
| 408071562 A |
| 408071564 A |
| 408071573 A D |
| 408071573 A D |
| 408071575 A B |
| 408071579 A |
| 408071585 A |
| 408071610 C A |
| 408071610 C A |
| 408071624 C B D A |
| 408071624 C B D A |
| 408071624 C B D A |
| 408071624 C B D A |
| 408071624 C B D A |
| 408071633 A |
| 408071633 A |
| 408071649 D A B |
| 408071649 D A B |
| 408071649 D A B |
| 408071649 D A B |
| 408071649 D A B |
| 408071649 D A B |
| 408071667 A C B |
| 408071676 C B A |
| 408071704 C A |
| 408071708 A |
| 408071712 D A |
| 408071712 D A |
| 408071712 D A |
| 408071712 D A |
| 408071718 A |
| 408071735 A |
| 408071744 A D B |
| 408071744 A D B |
| 408071744 A D B |
| 408071758 A |
| 408071775 D A C |
| 408071775 D A C |
| 408071775 D A C |
| 408071799 A |
| 408071802 A D B |
| 408071802 A D B |
| 408071819 A D B |
| 408071819 A D B |
| 408071819 A D B |
| 408071819 A D B |
| 408071827 A |
| 408071854 C A D |
| 408071854 C A D |
| 408071854 C A D |
| 408071854 C A D |
| 408071867 A |
| 408071873 C A B |
| 408071873 C A B |
| 408071873 C A B |
| 408071875 C B A |
| 408071875 C B A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071877 D A |
| 408071923 A D B C |
| 408071923 A D B C |
| 408071923 A D B C |
| 408071926 A |
| 408071936 A |
| 408071951 D A B |
| 408071951 D A B |
| 408071951 D A B |
| 408071951 D A B |
| 408071977 A |
| 408071985 C B D A |
| 408071985 C B D A |
| 408071985 C B D A |
| 408072009 A |
| 408072036 A C B |
| 408072036 A C B |
| 408072036 A C B |
| 408072036 A C B |
| 408072053 A D B |
| 408072053 A D B |
| 408072055 B D A |
| 408072055 B D A |
| 408072055 B D A |
| 408072060 C A |
| 408072060 C A |
| 408072061 B A D |
| 408072061 B A D |
| 408072061 B A D |
| 408072077 A C B |
| 408072077 A C B |
| 408072078 A |
| 408072097 A |
| 408072133 A D |
| 408072133 A D |
| 408072133 A D |
| 408072133 A D |
| 408072150 A |
| 408072155 C B D A |
| 408072155 C B D A |
| 408072155 C B D A |
| 408072155 C B D A |
| 408072236 A D B |
| 408072236 A D B |
| 408072236 A D B |
| 408072237 A D B |
| 408072237 A D B |
| 408072237 A D B |
| 408072240 C B A |
| 408072240 C B A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072256 D A |
| 408072259 A D |
| 408072259 A D |
| 408072265 A |
| 408072267 C A B |
| 408072267 C A B |
| 408072267 C A B |
| 408072269 A |
| 408072272 A |
| 408072279 C B A |
| 408072283 A |
| 408072301 A B |
| 408072303 A D B |
| 408072303 A D B |
| 408072303 A D B |
| 408072303 A D B |
| 408072303 A D B |
| 408072312 C B A |
| 408072324 A |
| 408072326 A |
| 408072329 A |
| 408072343 A |
| 408072345 A |
| 408072357 A |
| 408072379 A B |
| 408072384 C A B |
| 408072384 C A B |
| 408072384 C A B |
| 408072408 D B C A |
| 408072408 D B C A |
| 408072408 D B C A |
| 408072408 D B C A |
| 408072408 D B C A |
| 408072408 D B C A |
| 408072426 C B A |
| 408072426 C B A |
| 408072451 A B |
| 408072458 A |
| 408072462 A |
| 408072475 A D |
| 408072475 A D |
| 408072477 A B |
| 408072480 C B D A |
| 408072480 C B D A |
| 408072489 A C |
| 408072491 C A B |
| 408072491 C A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072508 D A B |
| 408072529 A B |
| 408072529 A B |
| 408072529 A B |
| 408072535 A |
| 408072535 A |
| 408072561 C A |
| 408072561 C A |
| 408072561 C A |
| 408072561 C A |
| 408072589 A D B |
| 408072589 A D B |
| 408072590 C B A |
| 408072621 A |
| 408072640 D A |
| 408072640 D A |
| 408072658 A |
| 408072682 C B A |
| 408072682 C B A |
| 408072682 C B A |
| 408072682 C B A |
| 408072682 C B A |
| 408072684 A D |
| 408072684 A D |
| 408072705 A |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072727 C A D B |
| 408072735 A |
| 408072738 A C |
| 408072738 A C |
| 408072739 C A |
| 408072783 A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072790 C B D A |
| 408072804 B A D |
| 408072804 B A D |
| 408072804 B A D |
| 408072804 B A D |
| 408072806 D B C A |
| 408072806 D B C A |
| 408072806 D B C A |
| 408072810 A |
| 408072829 D A |
| 408072831 A D |
| 408072836 A C B |
| 408072837 C B A |
| 408072837 C B A |
| 408072839 A |
| 408072867 A |
| 408072874 A D |
| 408072879 A D |
| 408072881 A B |
| 408072881 A B |
| 408072897 A C |
| 408072906 C A |
| 408072906 C A |
| 408072906 C A |
| 408072906 C A |
| 408072919 A D |
| 408072919 A D |
| 408072919 A D |
| 408072920 A |
| 408072929 C B D A |
| 408072929 C B D A |
| 408072929 C B D A |
| 408072929 C B D A |
| 408072931 A |
| 408072932 A |
| 408072935 A |
| 408072937 A |
| 408072943 A D |
| 408072966 C A D |
| 408072966 C A D |
| 408072966 C A D |
| 408072967 A |
| 408072982 C B D A |
| 408072982 C B D A |
| 408072982 C B D A |
| 408072982 C B D A |
| 408072982 C B D A |
| 408072982 C B D A |
| 408072986 C B |
| 408072986 C B |
| 408072986 C B |
| 408072986 C B |
| 408072986 C B |
| 408073001 D A |
| 408073001 D A |
| 408073005 D A |
| 408073005 D A |
| 408073015 D A |
| 408073015 D A |
| 408073015 D A |
| 408073031 C B A |
| 408073031 C B A |
| 408073043 A |
| 408073051 C A |
| 408073053 A B |
| 408073053 A B |
| 408073053 A B |
| 408073053 A B |
| 408073053 A B |
| 408073053 A B |
| 408073057 A B |
| 408073057 A B |
| 408073057 A B |
| 408073057 A B |
| 408073069 A |
| 408073069 A |
| 408073081 C B A |
| 408073081 C B A |
| 408073081 C B A |
| 408073081 C B A |
| 408073084 A |
| 408073091 A |
| 408073093 A C B |
| 408073093 A C B |
| 408073093 A C B |
| 408073093 A C B |
| 408073096 C B A |
| 408073096 C B A |
| 408073100 A |
| 408073101 A |
| 408073122 A D B |
| 408073122 A D B |
| 408073122 A D B |
| 408073124 D A B |
| 408073124 D A B |
| 408073124 D A B |
| 408073124 D A B |
| 408073124 D A B |
| 408073126 A |
| 408073131 B A D |
| 408073131 B A D |
| 408073149 A D |
| 408073149 A D |
| 408073149 A D |
| 408073149 A D |
| 408073156 C A D |
| 408073156 C A D |
| 408073156 C A D |
| 408073156 C A D |
| 408073156 C A D |
| 408073168 D B A |
| 408073168 D B A |
| 408073168 D B A |
| 408073168 D B A |
| 408073183 A D |
| 408073183 A D |
| 408073183 A D |
| 408073186 A |
| 408073191 D A |
| 408073218 C B D A |
| 408073218 C B D A |
| 408073218 C B D A |
| 408073218 C B D A |
| 408073218 C B D A |
| 408073219 A B |
| 408073220 D A |
| 408073220 D A |
| 408073220 D A |
| 408073220 D A |
| 408073235 D A B |
| 408073235 D A B |
| 408073235 D A B |
| 408073235 D A B |
| 408073235 D A B |
| 408073239 D A B |
| 408073239 D A B |
| 408073239 D A B |
| 408073239 D A B |
| 408073239 D A B |
| 408073239 D A B |
| 408073245 A C |
| 408073245 A C |
| 408073246 A |
| 408073249 A |
| 408073252 A |
| 408073255 A C |
| 408073255 A C |
| 408073255 A C |
| 408073273 A |
| 408073273 A |
| 408073278 B A |
| 408073281 A |
| 408073297 C A D |
| 408073297 C A D |
| 408073297 C A D |
| 408073297 C A D |
| 408073297 C A D |
| 408073313 D A |
| 408073314 A D B |
| 408073314 A D B |
| 408073314 A D B |
| 408073314 A D B |
| 408073315 B A |
| 408073323 C B A |
| 408073323 C B A |
| 408073324 D A |
| 408073324 D A |
| 408073328 A D B |
| 408073328 A D B |
| 408073328 A D B |
| 408073334 D A |
| 408073334 D A |
| 408073334 D A |
| 408073337 A |
| 408073339 D A B |
| 408073339 D A B |
| 408073339 D A B |
| 408073339 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073350 D A B |
| 408073355 A B |
| 408073355 A B |
| 408073362 A D B |
| 408073362 A D B |
| 408073365 A |
| 408073367 A D |
| 408073367 A D |
| 408073367 A D |
| 408073367 A D |
| 408073368 B A |
| 408073372 A C |
| 408073372 A C |
| 408073372 A C |
| 408073379 A |
| 408073394 D B A |
| 408073394 D B A |
| 408073394 D B A |
| 408073394 D B A |
| 408073394 D B A |
| 408073394 D B A |
| 408073404 A |
| 408073409 A |
| 408073413 A |
| 408073415 A |
| 408073416 D A |
| 408073416 D A |
| 408073416 D A |
| 408073416 D A |
| 408073416 D A |
| 408073416 D A |
| 408073428 D A |
| 408073428 D A |
| 408073428 D A |
| 408073428 D A |
| 408073428 D A |
| 408073428 D A |
| 408073430 C A |
| 408073430 C A |
| 408073431 A |
| 408073434 A |
| 408073453 A |
| 408073458 C A |
| 408073458 C A |
| 408073458 C A |
| 408073460 D A C |
| 408073460 D A C |
| 408073460 D A C |
| 408073460 D A C |
| 408073461 D A |
| 408073461 D A |
| 408073461 D A |
| 408073461 D A |
| 408073461 D A |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073466 D B A C |
| 408073477 A C |
| 408073479 C A B |
| 408073479 C A B |
| 408073479 C A B |
| 408073483 A D |
| 408073483 A D |
| 408073491 A D B |
| 408073491 A D B |
| 408073491 A D B |
| 408073491 A D B |
| 408073493 A |
| 408073495 A B |
| 408073498 A D |
| 408073498 A D |
| 408073498 A D |
| 408073503 A D B |
| 408073503 A D B |
| 408073505 A D B |
| 408073505 A D B |
| 408073505 A D B |
| 408073507 D A B |
| 408073507 D A B |
| 408073507 D A B |
| 408073507 D A B |
| 408073515 C B A |
| 408073515 C B A |
| 408073515 C B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073522 D B A |
| 408073524 A D |
| 408073526 A C |
| 408073528 A |
| 408073559 C A |
| 408073568 A D |
| 408073568 A D |
| 408073568 A D |
| 408073570 A D B |
| 408073570 A D B |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073574 D B A |
| 408073583 C A B |
| 408073583 C A B |
| 408073583 C A B |
| 408073584 D A |
| 408073584 D A |
| 408073586 D A |
| 408073587 C B A |
| 408073587 C B A |
| 408073591 D A |
| 408073591 D A |
| 408073591 D A |
| 408073591 D A |
| 408073595 A |
| 408073598 A |
| 408073603 C A B |
| 408073603 C A B |
| 408073605 A D |
| 408073605 A D |
| 408073612 A D |
| 408073620 A D |
| 408073624 A |
| 408073636 A B |
| 408073636 A B |
| 408073639 A |
| 408073667 A B |
| 408073667 A B |
| 408073668 A |
| 408073679 A D |
| 408073679 A D |
| 408073694 D B A |
| 408073694 D B A |
| 408073694 D B A |
| 408073694 D B A |
| 408073697 D A |
| 408073701 A B |
| 408073721 A B |
| 408073721 A B |
| 408073721 A B |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** |
| 406063166 | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No |
| 406063166 | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No |
| 406063166 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID4207 | TRID - LE: LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered. | No |
| 406063166 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 406063166 | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No |
| 406063166 | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 406063166 | Credit | LTV/CLTV | Waived B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No |
| 406063166 | Credit | Terms/Guidelines | Satisfied B A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 406063166 | Credit | Title | Waived C B | CRDTIL100 | Potential title issue | No |
| 406063166 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408062021 | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No |
| 408068690 | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408068690 | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE101 | TX Equity - Urban, Suburban Property; Acreage > 10 acres | No |
| 408068690 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408068690 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408068690 | Credit | LTV/CLTV | Waived B | CRDLTV142 | LTV Exception =>10% | No |
| 408068690 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408069450 |  |  |  |  |  |  |
| 408069467 | Compliance | Ability to Repay/Qualified Mortgage | Waived B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408069467 | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408069490 | Credit | Assets | Waived C B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408069490 | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No |
| 408069490 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408069506 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408069506 | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408069506 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408069506 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408069506 | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No |
| 408069506 | Credit | Income/Employment | Satisfied D A | CRDINC2340 | Employment verification does not meet guidelines | No |
| 408069506 | Credit | Income/Employment | Waived D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408069506 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408069716 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408069716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408069716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408069716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408069716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No |
| 408069716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408069767 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408069767 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408069767 | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408069767 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408069767 | Credit | Credit/Mtg History | Waived A B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408069767 | Credit | Credit/Mtg History | Waived B | CRDCRMH122 | Foreclosure history does not meet guidelines | No |
| 408069767 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408069795 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408069795 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No |
| 408069795 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No |
| 408069795 | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408069795 | Compliance | Texas Home Equity | Satisfied D A | CMPTXHE117 | TX Equity - Missing Affidavit of Fair Market Value | No |
| 408069893 | Credit | Potential Misrepresentation | Satisfied C A | CRDPMR147 | Review indicates possible misrepresentation | No |
| 408069893 | Credit | Terms/Guidelines | Satisfied B A | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408069895 | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408069992 | Compliance | Ability to Repay/Qualified Mortgage | Waived B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408069992 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408070028 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408070446 |  |  |  |  |  |  |
| 408070479 | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No |
| 408070479 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408070479 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408070479 | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408070479 | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No |
| 408070492 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070492 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408070543 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070543 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408070543 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH122 | Foreclosure history does not meet guidelines | No |
| 408070590 | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a different status than the Lender's status determination. | No |
| 408070590 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408070590 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No |
| 408070590 | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No |
| 408070612 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070627 |  |  |  |  |  |  |
| 408070671 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408070671 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408070671 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408070671 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408070671 | Credit | Terms/Guidelines | Waived B | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408070691 |  |  |  |  |  |  |
| 408070816 |  |  |  |  |  |  |
| 408070874 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070874 | Credit | Income/Employment | Waived D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408070874 | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070883 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070883 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070883 | Credit | DTI | Waived B | CRDDTI187 | Debt Ratio > 43% | No |
| 408070883 | Credit | Income/Employment | Waived B | CRDINC126 | Length of employment/self-employment does not meet guidelines | No |
| 408070998 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070998 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070998 | Credit | Credit/Mtg History | Waived C B | CRDCRMH150 | Tradelines do not meet guidelines | No |
| 408071012 | Compliance | Ability to Repay/Qualified Mortgage | Waived B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408071012 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408071026 |  |  |  |  |  |  |
| 408071096 | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408071098 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071125 | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No |
| 408071125 | Credit | Income/Employment | Waived D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408071125 | Property Valuations | Property | Waived C B | PRVAPROP2674 | Property Issues Indicated 2 | No |
| 408071198 |  |  |  |  |  |  |
| 408071211 |  |  |  |  |  |  |
| 408071315 | Compliance | Ability to Repay/Qualified Mortgage | Waived B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408071315 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071315 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071315 | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No |
| 408071315 | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408071389 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071389 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071405 |  |  |  |  |  |  |
| 408071461 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071461 | Credit | LTV/CLTV | Waived B | CRDLTV201 | LTV > 80% | No |
| 408071479 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071479 | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408071479 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071520 |  |  |  |  |  |  |
| 408071546 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071546 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071546 | Credit | Credit/Mtg History | Waived B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408071547 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071547 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071547 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071552 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071552 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071552 | Credit | Application | Satisfied B A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No |
| 408071562 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071564 |  |  |  |  |  |  |
| 408071573 | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No |
| 408071573 | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408071575 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408071579 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071585 |  |  |  |  |  |  |
| 408071610 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071610 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071624 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071624 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5095 | TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures | No |
| 408071624 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408071624 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408071624 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071633 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071633 | Credit | Income/Employment | Satisfied A | CRDINC3204 | Income Documentation Missing | No |
| 408071649 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408071649 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408071649 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071649 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408071649 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No |
| 408071649 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071667 | Credit | Income/Employment | Waived C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408071676 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408071704 | Compliance | Other Federal | Satisfied C A | CMPOTFD4338 | ECOA - Appraisal Disclosure was not provided in a timely manner | No |
| 408071708 |  |  |  |  |  |  |
| 408071712 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408071712 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071712 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071712 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071718 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071735 |  |  |  |  |  |  |
| 408071744 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071744 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071744 | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408071758 |  |  |  |  |  |  |
| 408071775 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408071775 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071775 | Credit | Re-Verifications | Satisfied C A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No |
| 408071799 |  |  |  |  |  |  |
| 408071802 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071802 | Credit | Income/Employment | Waived D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408071819 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071819 | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408071819 | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No |
| 408071819 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071827 |  |  |  |  |  |  |
| 408071854 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071854 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071854 | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408071854 | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No |
| 408071867 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071873 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071873 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071873 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408071875 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071875 | Property Valuations | Property | Waived C B | PRVAPROP177 | Property Issues Indicated | No |
| 408071877 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408071877 | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal document was not executed or is incomplete | No |
| 408071877 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5291 | TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate | No |
| 408071877 | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No |
| 408071877 | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408071877 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408071877 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071877 | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408071923 | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408071923 | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No |
| 408071923 | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408071926 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071936 |  |  |  |  |  |  |
| 408071951 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408071951 | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No |
| 408071951 | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No |
| 408071951 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071977 |  |  |  |  |  |  |
| 408071985 | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No |
| 408071985 | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No |
| 408071985 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072009 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072036 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072036 | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a different status than the Lender's status determination. | No |
| 408072036 | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408072036 | Credit | LTV/CLTV | Waived B | CRDLTV107 | LTV Exception 5% or Less | No |
| 408072053 | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408072053 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072055 | Compliance | RESPA | Waived B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No |
| 408072055 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072055 | Credit | Income/Employment | Waived D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072060 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072060 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072061 | Compliance | Documentation | Satisfied B A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No |
| 408072061 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072061 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408072077 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072077 | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408072078 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072097 |  |  |  |  |  |  |
| 408072133 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072133 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072133 | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No |
| 408072133 | Credit | Income/Employment | Satisfied D A | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408072150 |  |  |  |  |  |  |
| 408072155 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072155 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072155 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408072155 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072236 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072236 | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408072236 | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No |
| 408072237 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072237 | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408072237 | Credit | Income/Employment | Waived B | CRDINC3204 | Income Documentation Missing | No |
| 408072240 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072240 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072256 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408072256 | Compliance | Finance Charge Tolerance | Satisfied C A | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID4027 | TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment xxx that calculates. | No |
| 408072256 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5035 | TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that xxx calculates. | No |
| 408072256 | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR1939 | Appraiser License for Incorrect State | No |
| 408072256 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR100 | Missing Appraisal | No |
| 408072256 | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No |
| 408072259 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072259 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072265 |  |  |  |  |  |  |
| 408072267 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072267 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072267 | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No |
| 408072269 |  |  |  |  |  |  |
| 408072272 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072279 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072283 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072301 | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072303 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072303 | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408072303 | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408072303 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408072303 | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No |
| 408072312 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072324 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072326 |  |  |  |  |  |  |
| 408072329 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072343 |  |  |  |  |  |  |
| 408072345 |  |  |  |  |  |  |
| 408072357 |  |  |  |  |  |  |
| 408072379 | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No |
| 408072384 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072384 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072384 | Credit | Credit/Mtg History | Waived B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408072408 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408072408 | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No |
| 408072408 | Compliance | Documentation | Satisfied D A | CMPDOC225 | Missing Rider | No |
| 408072408 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID5291 | TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate | No |
| 408072408 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072408 | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408072426 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072426 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072451 | Credit | Terms/Guidelines | Satisfied B A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408072458 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072462 |  |  |  |  |  |  |
| 408072475 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408072475 | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No |
| 408072477 | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408072480 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072480 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072489 | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072491 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072491 | Credit | DTI | Satisfied B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072508 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408072508 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408072508 | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No |
| 408072508 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408072508 | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No |
| 408072508 | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408072508 | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408072529 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072529 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072529 | Property Valuations | Property | Satisfied B A | PRVAPROP177 | Property Issues Indicated | No |
| 408072535 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072535 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072561 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072561 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072561 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072561 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072589 | Credit | Legal Documents | Waived D B | CRDLGL100 | Legal document incorrect or incomplete | No |
| 408072589 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072590 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072621 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072640 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408072640 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072658 |  |  |  |  |  |  |
| 408072682 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072682 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No |
| 408072682 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No |
| 408072682 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3961 | TRID - CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section | No |
| 408072682 | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408072684 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072684 | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408072705 |  |  |  |  |  |  |
| 408072727 | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No |
| 408072727 | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No |
| 408072727 | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408072727 | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408072727 | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072727 | Credit | Title | Satisfied C A | CRDTIL100 | Potential title issue | No |
| 408072727 | Property Valuations | Property | Waived C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No |
| 408072735 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072738 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072738 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408072739 | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No |
| 408072783 |  |  |  |  |  |  |
| 408072790 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No |
| 408072790 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No |
| 408072790 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072790 | Credit | Assets | Waived B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408072790 | Credit | DTI | Waived B | CRDDTI187 | Debt Ratio > 43% | No |
| 408072790 | Credit | Income/Employment | Waived C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408072790 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072804 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No |
| 408072804 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No |
| 408072804 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072804 | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408072806 | Compliance | Ability to Repay/Qualified Mortgage | Waived D B | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408072806 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072806 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072810 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072829 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408072831 | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No |
| 408072836 | Property Valuations | Property | Waived C B | PRVAPROP177 | Property Issues Indicated | No |
| 408072837 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072837 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072839 |  |  |  |  |  |  |
| 408072867 | Credit | Income/Employment | Satisfied A | CRDINC3204 | Income Documentation Missing | No |
| 408072874 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No |
| 408072879 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408072881 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072881 | Credit | LTV/CLTV | Waived B | CRDLTV107 | LTV Exception 5% or Less | No |
| 408072897 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072906 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072906 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072906 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072906 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072919 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072919 | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No |
| 408072919 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408072920 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072929 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072929 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072929 | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408072929 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072931 |  |  |  |  |  |  |
| 408072932 |  |  |  |  |  |  |
| 408072935 |  |  |  |  |  |  |
| 408072937 |  |  |  |  |  |  |
| 408072943 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No |
| 408072966 | Compliance | Documentation | Satisfied B A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No |
| 408072966 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No |
| 408072966 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408072967 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072982 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408072982 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408072982 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072982 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408072982 | Credit | LTV/CLTV | Waived B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No |
| 408072982 | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408072986 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072986 | Credit | Credit/Mtg History | Waived B | CRDCRMH148 | Credit report stale dated at closing | No |
| 408072986 | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No |
| 408072986 | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No |
| 408072986 | Property Valuations | Property | Waived C B | PRVAPROP177 | Property Issues Indicated | No |
| 408073001 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073001 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073005 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073005 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073015 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073015 | Credit | Legal Documents | Satisfied D A | CRDLGL2277 | Note Not Executed | No |
| 408073015 | Credit | Legal Documents | Satisfied D A | CRDLGL2862 | Copy of Note in file is incomplete | No |
| 408073031 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073031 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408073043 |  |  |  |  |  |  |
| 408073051 | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408073053 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073053 | Credit | Assets | Satisfied B A | CRDAST205 | Insufficient Funds to Close | No |
| 408073053 | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073053 | Credit | DTI | Satisfied B A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073053 | Credit | Income/Employment | Satisfied B A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073053 | Credit | Legal Documents | Satisfied B A | CRDLGL2422 | Missing Purchase Contract | No |
| 408073057 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073057 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408073057 | Credit | Legal Documents | Satisfied B A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408073057 | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No |
| 408073069 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073069 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073081 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073081 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073081 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No |
| 408073081 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073084 |  |  |  |  |  |  |
| 408073091 |  |  |  |  |  |  |
| 408073093 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073093 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073093 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073093 | Credit | Income/Employment | Waived C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073096 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073096 | Credit | Application | Satisfied C A | CRDAPP131 | Occupancy status not supported by file documentation | No |
| 408073100 |  |  |  |  |  |  |
| 408073101 |  |  |  |  |  |  |
| 408073122 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073122 | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408073122 | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073124 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073124 | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408073124 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073124 | Credit | Credit/Mtg History | Waived C B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No |
| 408073124 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073126 |  |  |  |  |  |  |
| 408073131 | Compliance | Federal Consumer Protection | Satisfied B A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No |
| 408073131 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073149 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073149 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073149 | Credit | Income/Employment | Satisfied B A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073149 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073156 | Compliance | Compliance Manual | Satisfied C A | CMPMAN2990 | 1003 - Final Application is not Accurate | No |
| 408073156 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073156 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073156 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073156 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073168 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073168 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073168 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073168 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073183 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073183 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073183 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073186 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073191 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073218 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073218 | Credit | Application | Satisfied B A | CRDAPP131 | Occupancy status not supported by file documentation | No |
| 408073218 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073218 | Credit | Income/Employment | Satisfied B A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073218 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073219 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH183 | Credit report incomplete | No |
| 408073220 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073220 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073220 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073220 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073235 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073235 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073235 | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408073235 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073235 | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408073239 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073239 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073239 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073239 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073239 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073239 | Credit | Terms/Guidelines | Waived B | CRDTER3490 | Missing Patriot Act form | No |
| 408073245 | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No |
| 408073245 | Credit | Terms/Guidelines | Satisfied B A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073246 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073249 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073252 |  |  |  |  |  |  |
| 408073255 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073255 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408073255 | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No |
| 408073273 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073273 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073278 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073281 |  |  |  |  |  |  |
| 408073297 | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No |
| 408073297 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073297 | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No |
| 408073297 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073297 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073313 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073314 | Credit | Assets | Waived B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073314 | Credit | Income/Employment | Waived B | CRDINC890 | Employment is Unsupported by Documentation in File | No |
| 408073314 | Credit | LTV/CLTV | Waived B | CRDLTV201 | LTV > 80% | No |
| 408073314 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073315 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073323 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073323 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408073324 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073324 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073328 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073328 | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073328 | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No |
| 408073334 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073334 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073334 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073337 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073339 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073339 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073339 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073339 | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073350 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073350 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073350 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073350 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073350 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073350 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073350 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073350 | Credit | Assets | Waived B | CRDAST115 | Cash reserves do not meet guidelines | No |
| 408073355 | Credit | Income/Employment | Waived B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073355 | Credit | Insurance | Satisfied B A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408073362 | Credit | Legal Documents | Satisfied D A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408073362 | Credit | Terms/Guidelines | Waived B | CRDTER3490 | Missing Patriot Act form | No |
| 408073365 |  |  |  |  |  |  |
| 408073367 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073367 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073367 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073367 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073368 | Compliance | Texas Home Equity | Satisfied B A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No |
| 408073372 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073372 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073372 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073379 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073394 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073394 | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No |
| 408073394 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073394 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408073394 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073394 | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073404 |  |  |  |  |  |  |
| 408073409 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073413 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073415 |  |  |  |  |  |  |
| 408073416 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073416 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073416 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073416 | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No |
| 408073416 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408073416 | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No |
| 408073428 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073428 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073428 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073428 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073428 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073428 | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408073430 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073430 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073431 |  |  |  |  |  |  |
| 408073434 |  |  |  |  |  |  |
| 408073453 |  |  |  |  |  |  |
| 408073458 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073458 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073458 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073460 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073460 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073460 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No |
| 408073460 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073461 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073461 | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No |
| 408073461 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073461 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073461 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073466 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073466 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073466 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073466 | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No |
| 408073466 | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073466 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073466 | Property Valuations | Property | Waived C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No |
| 408073466 | Property Valuations | Property | Waived C B | PRVAPROP2674 | Property Issues Indicated 2 | No |
| 408073477 | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No |
| 408073479 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073479 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073479 | Credit | Credit/Mtg History | Waived C B | CRDCRMH148 | Credit report stale dated at closing | No |
| 408073483 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073483 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073491 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073491 | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073491 | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408073491 | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073493 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073495 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073498 | Credit | Application | Satisfied B A | CRDAPP131 | Occupancy status not supported by file documentation | No |
| 408073498 | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No |
| 408073498 | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No |
| 408073503 | Credit | Assets | Satisfied B A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073503 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073505 | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073505 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073505 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073507 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073507 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No |
| 408073507 | Credit | Credit/Mtg History | Waived C B | CRDCRMH148 | Credit report stale dated at closing | No |
| 408073507 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073515 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073515 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073515 | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408073522 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073522 | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408073522 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No |
| 408073522 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5095 | TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures | No |
| 408073522 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408073522 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No |
| 408073522 | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073522 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073524 | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073526 | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408073528 |  |  |  |  |  |  |
| 408073559 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073568 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073568 | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073568 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073570 | Credit | Assets | Waived D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073570 | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No |
| 408073574 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073574 | Compliance | Documentation | Satisfied D A | CMPDOC3268 | Note in file is incomplete | No |
| 408073574 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073574 | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073574 | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073574 | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408073574 | Credit | DTI | Satisfied A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073574 | Credit | Income/Employment | Satisfied D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073574 | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073574 | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073574 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073583 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073583 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3732 | TRID - Error #3 discovered on Closing Disclosure | No |
| 408073583 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073584 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073584 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073586 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073587 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073587 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073591 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073591 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073591 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073591 | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073595 |  |  |  |  |  |  |
| 408073598 |  |  |  |  |  |  |
| 408073603 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408073603 | Credit | Assets | Satisfied B A | CRDAST205 | Insufficient Funds to Close | No |
| 408073605 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073605 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073612 | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No |
| 408073620 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073624 |  |  |  |  |  |  |
| 408073636 | Credit | Assets | Satisfied B A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073636 | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073639 |  |  |  |  |  |  |
| 408073667 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073667 | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408073668 |  |  |  |  |  |  |
| 408073679 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073679 | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073694 | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408073694 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073694 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073694 | Credit | Terms/Guidelines | Waived B | CRDTER3490 | Missing Patriot Act form | No |
| 408073697 | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No |
| 408073701 | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073721 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073721 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073721 | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 406063166 | The file is missing the Homeowner's Counseling Organizations form. | 9/26/16 Client provided HOC List | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | The file is missing the required Affiliated Business Disclosure. | 9/26/16 Client provided evidence of email delivery for the Affiliated business Disclosure | Condition satisfied | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | All LE's delivered by e-mail. The file is missing the borrower's consent to electronic delivery. | 9/26/16 Client provided borrowers e-consent accepted XXX | Condition satisfied | Not Applicable | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | CD XXX delivered only via e-mail. The file is missing the borrower's consent to electronic delivery. | 9/26/16 Client provided borrowers e-consent accepted XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | QM Status not provided | 9/26/16 Client provided lender ATR/QM status, XXX | Condition satisfied | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | The co-borrower lacks the minimum required tradelines. | On 9/22/16 lender allowed B2 having insufficient tradelines based on excessive reserves, DTI below guideline maximum, and job stability of XXX years for B1. | xxx final grade B due to XXX fico, XXX% DTI, $XXX verified reserves, and xxx years job stability. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | Maximum LTV is XXX%; subject LTV is XXX%. | On 9/22/16 lender allowed the LTV to exceed XXX% based on excessive reserves, DTI below guideline maximum, and job stability of XXX years for B1. | xxx final grade B due to XXX fico, XXX% DTI, $xxx verified reserves, and XXX years job stability. | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | Missing the correct 1008. There are 3 1008s in file, with only 1 having the correct appraised value; but they do not have the correct interest rate and payment information. | 9/26/16 Client provided 1008 reflecting Note rate match at XXX% and appraised value match $XXX, Payment info, and loan term also match, lender DTI XXX% | Condition satisfied | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | The title commitment is dated XXX and is greater than XXX days at closing. | 9/26/16 Client provided duplicate copy of marked up title commitment, condition remains; Provide evidence from Title company that the commitment was updated prior to closing XXX. 9/29 XXX accepts title dated greater the XXX days from closing | xxx final grade B | (No Data) | (No Data) | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 406063166 | Missing 3rd party valuation from XXX. | Client provided a CDA which supported the appraisal with a XXX% variance. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Time on job =XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI is XXX%; subject DTI is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 408062021 | There are 3 residences on property. Client provided an exception approval for Choice QM. | 11/11/21 Client provided approved exception for property type. | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on current job since XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Limited credit user. |
| 408068690 | Per title commitment in file, loan originated with the same lender. Incorrect ROR H8 Form used in Refinance with Original Creditor. | 2/7/22 Client provided approved exception for the Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408068690 | XXXX Acre Suburban property per appraisal. | 02/09/22 Client provided an Email response from the attorney that states the property is 1 large lot and the Appraisal shows one public utility which meets the TX definition of Urban Homestead. Upon review by internal Compliance counsel, the documentation is sufficient and property can be considered Rural. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408068690 | Zero percent tolerance cure of $XXX for increase in % of Loan Amount (Points) Fee on final Cd and Appraisal Review fee ($XXX) added. Missing change of circumstance letter or post close CD, LOX, evidence of refund to borrower and proof of delivery via shipping that includes tracking information. | 02/09/2022 Client provided COC XXX reflecting Rate lock w/ charge of XXX%. Loan Type/Program change from conventional to XXX Jumbo select. All fees applied. Also provided missing CD XXX with COC XXX reflecting increase due to change of DTI, repricing now paying XXX% for rate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408068690 | Missing XXX years Tax Return Transcripts from IRS. | 2.9.2022 Client provided XXX/XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408068690 | LTV of XXX% exceeds the max LTV of XXX% due to XXX% reduction for XXX property. | Client provided an exception approval to allow a maximum XXX% LTV, instead of the maximum XXX% LTV allowed per guidelines. | Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408068690 | CDA supports value, however copy provided is not scanned in properly, comp pages are cut off. Provide full CDA, all pages. | 2.10.2022 Client provided legible copy of 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408069450 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below guideline requirements |
| 408069467 | Residual Income worksheet required for DTI greater than XXX% | 03/21 Client provided exception waiver | xxxs final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The total LTV is XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years on current XXX job |
| 408069467 | Borrower used business assets for reserves but is only a XXX in the company. XXX exception request in file without a XXX approval. | 3/21 Client provided approved exception for using business funds from business and borrower only XXX, however max DTI per exception is XXX%, actual DTI is XXX%, condition remains3.21.2022 Client provided exception approval for using business funds from business with borrower only having XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The total LTV is XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years on current XXX job |
| 408069490 | \*\*XXX approved Exception is in file not requiring Gift letters for all deposits from donations through XXX (due to the fire destruction of previous primary residence).All requirement set in the exception are met | 2/24 Client provided an approved exception to allow the Gifts without Gift letters due to fire destruction of prior residence | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement |
| 408069490 | All personal tax returns must be signed and dated by borrowers. | 2/23 Client provided transcripts, still missing fully executed XXX 1040's2/24 Client accepted transcripts in lieu of signed 1040s | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement |
| 408069490 | Missing XXX years Tax Return Transcripts from IRS as required by guidelines | 2/23 Client provided XXX transcripts | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement |
| 408069506 | Determine status upon receipt / review of missing VOES | 5/2 Client provided VOE | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. Requires LOX, TIL or CD, proof of delivery, and correct version of NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within XXX days of discovery. | 04/28/22 Client provided approved exception for the Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Missing a prior e-sign consent for non-borrowing spouse in file. Provide missing document. | 04/29/2022 Client provided Blend page for Credit consent. Condition remains. Provide Electronic consent reflecting acceptance of electronic Disclosures by the NBS Prior to issuance of Initial CD e-signed by NBS XXX 05/22/2022 Client provided NBS acceptance of E-consent XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Borrower earns wages / w2 income from XXX, VOEs in file are from 'Employer Flexible'Provide VOE from XXX, meeting guidelines | 5/2 Client provided VOE dated post close XXX, condition remains5/2 Client provided VOE dated within guidelines | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Missing residual income calc | 4/27/22: Client accepts DD firm calculation as long as it is withinprogram requirements for minimum residual | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Missing VOE for XXXProvide VOE meeting XXX guidelines | 4.29.2022 Client provided SOS for business XXX dated XXX and Note date XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Provide 2021 Balance sheets for XXX, XXX, and XXXMay be subject to additional conditions upon review | 5/2 Client provided an approved exception to allow the file without the Balance sheet | xxx Final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069506 | Provide Missing updated valuationValue not yet supportedMay be subject to additional conditions upon review | 4.29.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408069716 | 03/28 review of COC XXX provided: Provide missing CD dated within XXX business days of COC XXX | 03/30/22 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069716 | Provide Initial CD disclosed to and acknowledged by all borrowers at least XXX business days prior to consummation | 03/28/2022 Client provided missing accepted consent for e-delivery dated XXX for Both Title Holders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069716 | Provide Initial CD. Additional conditions may apply. | 03/28/2022 Client provided missing Initial CD XXX with disclosure tracking for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069716 | Zero tolerance fail for increase in Points XXX and addition of Origination Points XXX from Final LE to Final CD without COC in file AND for increase in Appraisal Management fee on LE XXX - COC dated XXX does not mention increase in fee. Cure in the amount of $XXX due borrower. Provide valid COCs, Initial CD or a corrected Post CD, LOE, $XXX refund check and proof of delivery via shipping method that includes tracking information. | 03/28/2022 Client provided COC's for changes. COC XXX reflecting valid reason for increase in Discount Points due to Lock. COC XXX is missing a valid reason for the increase to Appraisal Management fee and COC's XXX for addition/increases to Origination fee. Retesting results in Zero tolerance of $XXX. Condition remains. Provide valid reason for the fees add/increasing or PCCD with $XXX cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information. 03/30/22 Client provided a missing, Revised XXX CD. Condition remains. Provide valid Reasons for the Appraisal Mgmt and Origination fees, or provide borrower with a XXX refund, Post CD with cure, LOE and proof of delivery with tracking.04/11/22 Client provided a XXX COC for Lock Extension and another COC (date is not legible) for Lock Extension. Condition remains. Reason provided are not valid for Origination fee increase, and no valid reason has been provided the Appraisal Management fee. Borrower is due a refund of $XXX, Post CD with cure, LOE and proof of delivery with tracking.04/19/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069716 | Provide Initial CD disclosed to and acknowledged by all borrowers at least XXX business days prior to consummation | 03/28/2022 Client provided missing Initial CD XXX with disclosure tracking for delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069716 | Provide missing e-consent forms. | 03/28/2022 Client provided missing accepted consent for e-delivery dated XXX for Both Borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX |
| 408069767 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Missing copy of HELOC Note on departure residence for funds to close and amount of monthly payment. Per Lender borrowers took a draw and funds were wired to title company. Borrowers will be short reserves without these funds. Additional requirements may apply upon review. | 3.29.2022 Client provided duplicate (in file pg 2) copy of HELOC terms agreement however still missing initial condition documentation: (1). Missing copy of HELOC Note on departure residence for funds to close and amount of monthly payment of XXX (per 1003) along with (2). receipt of wired funds ($XXX per 1003) to title company from HELOC. Per Lender borrowers took a draw and funds were wired to title company. Borrowers will be short reserves without these funds. Additional requirements may apply upon review4.1.2022 Client provided duplicate HELOC agreement and provided HELOC account history showing on XXX withdrawal wired funds of $XXX and per the final CD in file (pg 428) this HELOC amount is reflected on the CD of $XXXNote: HELOC agreement using XXX year term and XXX annual rate which is the maximum the annual percentage rate would be for a monthly of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Missing the XXX bank statement (all pages) for XXX | 3.29.2022 Client provided prior month 2nd bank statement w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Guidelines require Minimum XXX tradelines are required. The following requirementsapply:? One (1) tradeline must be open for XXX months and active within the most recent XXX months.? XXX remaining tradelines must be rated for XXX monthsand may be opened or closed.B1 has 1 open account rated for XXX month's and 2 account that are closed and rated XXX month's. | 3/23/2022 client provided an approved exception for Tradelines not meeting the requirements per guideline. | Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Condition added after review of 3rd party data verifyData Verify reflects B1 having a Chapter 7 Bk filed XXX (no discharge date) and two (2) Foreclosures dated XXXPer guidelines Select 90 QM Foreclosure or Bankruptcy Not Allowed | 4/8 Client provided an approved exception to allow the file with a Prior BK and Foreclosure events over XXX years aged. | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069767 | Missing XXX tax transcripts. | 4.1.2022 Client provided duplicate (in file pg 725) XXX 1040 Transcripts. Condition remains for XXX 1040 transcripts per initial condition 4/5 Client provided XXX transcript | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers do not have any resent late payments. |
| 408069795 | The Disclosure Tracking Summary reflects, the revised CD XXX was sent to and received by Borrower but not in file. Condition is pending receiving revised CD. | 04/01/22 Client provided the XXX Affidavit and Form T-64. Condition remains. Provide the XXX CD delivered in person per the Disclosure Tracking Summary.04/04/22 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXMonths PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Calculated LTV of XXX is below guideline requirement. |
| 408069795 | TX EQ T.42 Title Endorsement missing. | 04/01/22 Client provided duplicate copies of the Title Commitment and Form T-64. Condition remains. The Commitment does not reflect the T.42 endorsements and the T-64 Form does not break down the Endorsement charges to reflect the inclusion of the T.42 endorsements. 04/11/22 Client provided another copy of the T-64 Form with an attached report that breaks down the charges included for the T-42 endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXMonths PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Calculated LTV of XXX is below guideline requirement. |
| 408069795 | TX EQ T.42.1 Title Endorsement missing. | 04/01/22 Client provided duplicate copies of the Title Commitment and Form T-64. Condition remains. The Commitment does not reflect the T.42 endorsements and the T-64 Form does not break down the Endorsement charges to reflect the inclusion of the T.42 endorsements. 04/11/22 Client provided another copy of the T-64 Form with an attached report that breaks down the charges included for the T-42 endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXMonths PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Calculated LTV of XXX is below guideline requirement. |
| 408069795 | 04/01/22 Client provided the FMV Affidavit signed by the borrower, but missing the Lender Rep signature. Provide the FMV Affidavit signed by the Lender. | 04/07/22 Client provided the FMV Affidavit signed by the Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXMonths PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Calculated LTV of XXX is below guideline requirement. |
| 408069795 | TX EQ Affidavit of FMV missing. | 04/01/22 Client provided the FMV Affidavit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXXMonths PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Calculated LTV of XXX is below guideline requirement. |
| 408069893 | Per 1003 borrower indicates marital status as unmarried. However preliminary title reflects initial vesting as XXX, husband and wife, as community property within the right of survivorship. In addition CD reflects cash out proceeds being used to payoff IRS tax lien in the name of XXX Letter of explanation from borrower states cash out is being used to pay off XXX tax debt. Provide documentation to support no alimony or child support obligations exist. | 4.5.2022 Client provided borrower LOX stating never married to other party on title, and now requesting removing of that party from title and the IRS payment that is being paid off is from this other party and I am allowing this IRS debt of this other party to be paid off with proceeds in order to remove him from my title | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 408069893 | Per guidelines cash out from subject transaction can't be used to pay off tax liens. Final CD reflects IRS tax lien $XXX being paid with cash out proceeds. | 4.5.2022 Client provided an unsigned exception approval. Condition remains 4.5.2022 Client provided LOX regarding tax lien that is being paid off is not for our borrower. Response, agreed file have a copy of the IRS lien payoff (pg 846, XXX) reflecting in other person name and provided copy of borrower LOX regarding paying this IRS lien that belonging to other party. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 408069895 | XXX Equity - Affidavit of Fair Market Value found in file is not signed by lender. | 03/24/22 Client provided the FMV Affidavit signed by the lender at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408069992 | Residual income worksheet required due to DTI greater than XXX | 02/21 RWT exception approval provided for residual income worksheet | xxxs final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months PITI or Cash Reserves $XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 408069992 | Borrower received gift deposited to XXX in the amount of XXX. Lender used funds for cash to close after borrower's minimum contribution was met. Lender states this is Christmas gift however missing gift letter and source to meet guidelines. | 3/1 Client provided gift letter and evidence of deposit into borrower account | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months PITI or Cash Reserves $XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX |
| 408070028 | Missing complete copy of XXX 1040 prior to amendment. Only amended copy was located in file. | 3/9 Client provided an approved exception to allow the file using the complete XXX amended 1040 without the original 1040; variance is a $XXX tax credit | xxx final grade is B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 2 has XXX months at current job.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX at current residence. |
| 408070446 |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower been XXX for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum score borrower has XXX |
| 408070479 | Final CD reflects a Disbursement Date of XXX, which is prior to the end of the Rescission period (Co-Borrower did not sign until XXX, with ROR Expiring at midnight of XXX). Lender to provide proof of a later Disbursement via Final ALTA/Settlement Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the XXX ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery. | 05/09/22 Client provided the Final Settlement Statement reflecting Disbursement Date of XXX. Condition remains for the corrected Post/Funding CD for final testing.05/11/22 Client provided a XXX Post CD and XXX Post (Funding) CD reflecting the correct Disbursement Date of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408070479 | Ten Percent Tolerance testing failed by $XXX due to the increased Recording Fee (XXX CD) with no valid change reason on the COC in file. Provide a valid Change of Circumstance or Post CD reflecting lenders cure, LOX, refund of $XXX and proof of delivery that includes tracking information. | 05/11/22 Client provided a XXX Post CD and XXX Post (Funding) CD with Final Settlement Statement. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408070479 | Guidelines require 2 consecutive months asset statements. XXX #XXX is in file, please provide XXX. May be subject to additional conditions upon review | 5.11.2022 Client provided 2nd full month (XXX) XXX #XXX bank statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408070479 | XXX asset dated XXX, > 90 days from Note date of XXX | 5/5/22 Client provided exception for: Expiration of credit docs exceed guidelines (no greater than 120 days) | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408070479 | Provide the fully executed Trust documents. | 5.11.2022 Client provided copy of Trust Agreement however not executed or not fully executed, condition remains for fully executed Trust Agreement. 5.20.2022 Client provided fully executed copy of Trust Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408070492 | Provide the COVID-19 attestation form. | 2.9.2022 Client provided executed by borrowers COVID-19 attestation with no known effect with employment, income etc | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months plus XXX months for the other REO. All other REO's are free and clear or owned by an LLC.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408070492 | Missing updated valuation | 2.11.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months plus XXX months for the other REO. All other REO's are free and clear or owned by an LLC.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408070543 | Seller paid fees on seller CD but not all fees are disclosed on page 2 of the Borrowers final CD dated XXX | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years |
| 408070543 | Missing Final/Signed CD/HUD from sale of XXX | 3.29.2022 Client provided executed final CD from sale of property: XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years |
| 408070543 | Condition added after review of 3rd party data verifyData verify reflects a pre F/C on XXX on an REO property currently owned by B2: XXX | 3.29.2022 Client provided LOX stating file addressed the pre-foreclosure showing on the Drive report. Uploaded pertinent pages to show no NOD or Foreclosure on property. Additionally the XXX loan shows on credit with no lates and is current. Response, documentation provided reflects no foreclosure data available | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years |
| 408070590 | File is missing updated QM determination | 3/31 Client provided an Email upon review the determination is RP APOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408070590 | Missing Two Years Tax Return Transcripts | 4/21 Client provided XXX transcript, still missing 2nd consecutive year transcript4/27 Client provided XXX transcript | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408070590 | Missing Appraisal | 3/28 Client provided appraisal | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408070590 | TBD Missing Appraisal | 3/28 Client provided appraisal, subject not in a disaster area | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408070612 | Seller paid fees on seller CD but not all fees are disclosed on page 2 of the Borrowers final CD dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has not had any late payments in the last XXX months. |
| 408070627 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented RSU income not used in qualifying |
| 408070671 | Issue due to Initial CD XXX was not acknowledged by borrowersProvide evidence Initial CD XXX was acknowledged by borrowers at least XXX business days prior to consummation | 03/15/22 Client provided the Initial CD Tracking that confirms borrower receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower does not have any late payments. |
| 408070671 | Issue due to Initial CD XXX was not acknowledged by borrowersProvide evidence Initial CD XXX was acknowledged by borrowers at least XXX business days prior to consummation | 03/15/22 Client provided the Initial CD Tracking that confirms borrower receipt on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower does not have any late payments. |
| 408070671 | CD dated XXX were delivered via e-delivery without the borrower's e-consent in file. Provide borrower's e-consent. | 03/15/22 Client provided the e-consent form. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower does not have any late payments. |
| 408070671 | LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, Please provide E-consent | 03/15/22 Client provided the e-consent form. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower does not have any late payments. |
| 408070671 | Missing lender's residual income worksheet. | 3/11/2022 client provided an approved exception for Residual income missing. Okay to use DD firm calculation as long as it is within program requirements for minimum residual | Final grade B. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower does not have any late payments. |
| 408070691 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have overall good credit history |
| 408070816 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is XXX% below the XXX% allowed for the program. |
| 408070874 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced on pc-cd | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA Guidelines require XXX months or ($ XXX X 6 = $ XXX) |
| 408070874 | B2 Missing YTD Balance Sheet | XXX Client provided approved exception for missing YTD balance sheet | final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA Guidelines require XXX months or ($ XXX X 6 = $ XXX) |
| 408070874 | Client Exception Approved - Requesting to use XXX & XXX Income without XXX Transcripts. XXX Transcripts aren't available yet. XXX Transcripts provided per guidelines. B2income increased substantially in XXX & XXX due to expanding business. LOE from B2 regarding increase in business provided. proof XXX filed & paid in file. | Client Exception Approved - Requesting to use XXX & XXX Income without XXX Transcripts. XXX Transcripts aren't available yet. XXX Transcripts provided per guidelines. B2income increased substantially in XXX & XXX due to expanding business. LOE from B2 regarding increase in business provided. proof XXX filed & paid in file. | Final Grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit Score XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX Verified as XXX months PITIA Guidelines require XXX months or ($ XXX X 6 = $ XXX) |
| 408070883 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408070883 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408070883 | DTI of XXX% is greater than the maximum DTI of XXX% allowed per guidelines. | Client provided an exception approval to allow a maximum XXX% DTI, instead of the maximum XXX% DTI allowed per guidelines. | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408070883 | Borrower has a gap of employment greater than XXX month (XXX months) and only at current job for XXX months, which is less than the XXX months required for the program. | Client provided an exception approval to allow the gap in employment with less than XXX months at current employment. | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408070998 | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower 1 XXX with XXX years XXX months at current job. |
| 408070998 | None of the required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower 1 XXX with XXX years XXX months at current job. |
| 408070998 | Borrower 2 credit does not meet minimum 3 tradeline requirement. Borrower 2 credit report only reflects one auto installment and an authorized user account. | 3/16/22 Client provided an exception for tradelines not meeting program guidelines. | xxx final grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower 1 XXX with XXX years XXX months at current job. |
| 408071012 | Missing residual income calculation and guidelines required per Choice QM guidelines. | 04/12/2022 Client provided approved exception for missing residual income missing. Okay to use DD firm as long as it is within program requirements. | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408071012 | Missing VVOE executed XXX days before the Note date XXXFile contains a WVOE dated XXX | 4/12 Client provided approved exception for VOE outside of guidelines | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408071026 |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Qual score- XXX; Prog min- XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has worked XXX years in same Profession<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV- XXX; Program max- XXX% |
| 408071096 | Per the Title, the subject Lender is the same as the originating 1st lien Lender. ROR Form H9 required. Lender used ROR Form H8 | 5/9/22 - Client provided an approved exception for the incorrect ROR form used | 5/9/22 - Initial & Final Grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been on job for XXX years. |
| 408071098 | Seller fees listed on Seller CD but not on Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months |
| 408071125 | Sch C income is increasing, using XXX average even though XXX transcripts are not yet available. Cash flow analysis supports. Exception provided, missing P&L and Balance Sheets. | 5/3 Client requested a review; upon review the YTD P&L and Balance sheet is not required as the Note date is XXX; Client provided an approved exception to allow the file without the XXX Tax Transcripts using XXX income average to qualify | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX..<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071125 | Missing Balance Sheet | 5/3 Client provided an approved exception to allow the file without the XXX Balance sheet | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX..<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071125 | There is a manufactured home ADU located on the collateral property in which the appraiser excluded the structure from value consideration. | Client provided exception approval for exclusion of manufactured home. | Final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX..<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071198 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408071211 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower on job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408071315 | Allowed to XXX% however greater than XXX% requires a residual income calculation with non located in file | 03/21 Client provided exception approval for residual inc calc | xxxs final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408071315 | RE commission fees paid by seller are not disclosed in H. section. Seller's CD in file and able to trace fees for testing | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408071315 | None of required seller-paid fees were disclosed on the CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408071315 | Provide the source of $XXX deposit on XXX to XXX#XXX | 3/25 Client provided source of large deposit | satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408071315 | Insufficient # of months cash reserves for PITI per guideline requirements. Per guidelines XXX months PITI reserves totaling $XXX required current reserves $XXX | 3/23 Client provided updated asset statements with sufficient reserves verified | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower has overall good credit history |
| 408071389 | Zero Tolerance testing failed by $XXX due to the Additional Appraisal Fee addition without a valid reason on the XXX COC. Provide a valid COC, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery via shipping method that includes tracking information. | 05/09/22 Client provided duplicate copies of the XXX and XXX COC/LOE's. Condition remains. A $XXX Additional Appraisal Fee was added to the XXX CD without a valid Reason stated on the COC.05/17/22 Client provided a revised XXX COC indicating an additional Appraisal Fee is added due to primary residence conversion to an investment property. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in profession for XXX years. |
| 408071389 | Provide missing an additional years W-2 transcripts for year XXX(received only XXX). No record of return for XXX(extension filed). | 5.6.2022 Client provided exception approval for missing 2nd year (XXX) W2 transcript | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has been in profession for XXX years. |
| 408071405 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional documented (bonus) income not used in qualifying |
| 408071461 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months plus XXX months for XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408071461 | Max LTV per guidelines for 2nd home is XXX with XXX FICO. | 0505/2022 Client provided approved exception XXX% LTV | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months plus XXX months for XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408071479 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. . | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The Borrower has been employed with current employer for over XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: The Borrower has resided at current residence for over XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXXRequired Assets: $XXX |
| 408071479 | The Borrower does not meet the minimum three (3) trade lines that are required; or Minimum two (2) trade lines are acceptable if the borrower has a satisfactory mortgage rating for at least XXX months (opened or closed) within the last XXX months and one (1) additional open trade line. Exception approval not applied due to open exceptions \*\*\* Exception Approved: XXX | 4/25 client provided an approved exception to allow the file without the minimum trade lines | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The Borrower has been employed with current employer for over XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: The Borrower has resided at current residence for over XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXXRequired Assets: $XXX |
| 408071479 | XXX Months Transcripts not provided. | 4/25 Client provided an approved exception to allow the file without the W2 transcripts | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The Borrower has been employed with current employer for over XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: The Borrower has resided at current residence for over XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXXRequired Assets: $XXX |
| 408071520 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408071546 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Exception satisfied. Commission fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower on job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Borrower LTV XXX%. Max LTV is XXX%. |
| 408071546 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower on job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Borrower LTV XXX%. Max LTV is XXX%. |
| 408071546 | VOR for all Borrowers is missing from file. | 05/16/2022 Client provided approved exception for lack of documented housing history where one exists (missing VOR only) | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower on job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Borrower LTV XXX%. Max LTV is XXX%. |
| 408071547 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS2860: Good credit history<br> - xxx Comments: 0x30 all credit history. |
| 408071547 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections C & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test/source it. | (No Data) | Condition Satisfied. The Seller paid commission can be sourced from the Seller's CD | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS2860: Good credit history<br> - xxx Comments: 0x30 all credit history. |
| 408071547 | File is missing XXX years W2 transcripts supporting qualifying income | 4/29 Client provided an approved exception to allow the file without the W2 transcripts | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS2860: Good credit history<br> - xxx Comments: 0x30 all credit history. |
| 408071552 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX below guide of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Revolving/Installments 0x30x60x99 |
| 408071552 | Zero tolerance in amount of $XXX due to increase in Credit Report fee from $XXX to $XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/26/2022 Client provided PCCD XXX with cure, Email for LOE and Delivery of PCCD also shipping label for check showing created. Condition remains for a copy of the refund to Borrower check and for evidence of delivery.05/27/22 Client provided the refund check, and re-tracking confirms shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX below guide of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Revolving/Installments 0x30x60x99 |
| 408071552 | Borrower 1 is a Permanent Resident Aliens missing evidence of lawful residency | 5.26.2022 Client provided B1 front and back copy of green card | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX below guide of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Revolving/Installments 0x30x60x99 |
| 408071562 | Seller fees listed on Seller CD but not Borrower final CD. Satisfied with sourced document. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO > XXX points above guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI in reserves; XXX months required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI > XXX% below guideline maximum of XXX%. |
| 408071564 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX yrs vs XXX yrs<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program. |
| 408071573 | Provide the P&L for the business. | 5.9.2022 Client provided end of year XXX Profit/Loss for both business: XXX(positive income used for qualifying) and XXX(loss from business), P/L supports B1 income B1 XXX and B2 works for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO, plus XXX months for XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX% |
| 408071573 | Provide the Balance Sheet for the business. | 5.9.2022 Client provided end of year XXX Balance Sheet for both business: XXX(positive income used for qualifying) and XXX(loss from business) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO, plus XXX months for XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX% |
| 408071575 | Note date: XXXVOE date:XXXOutside requirementsProvide VOE meeting below guidelines, may be subject to additional conditions upon review.Verbal Verification of Employment (VVOE) must be performed no more than ten (XXX) business days prior to the Note date. The Verbal VOE should include the following information for the borrower:oDate of contactoName and title of person contacting the employeroName of employeroStart date of employmentoEmployment status and job titleoName, phone #, and title of contact person at employeroIndependent source used to obtain employer phone number | 5.10.2022 Client provided duplicate (in file) VVOE dated XXX and Note date XXX; VVOE is dated after Note date. Condition remains for prior to closing VVOE dated within XXX business days of Note date. 5.13.2022 Client provided prior to closing VVOE dated XXX within XXX business days of Note date | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: minimum score is XXX-borrower has XXX |
| 408071579 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or ($ XXX X $ XXX) |
| 408071585 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX VS XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Available $XXX; required: $XXX. |
| 408071610 | Unable to test a loan product due to missing initial CD in file. | 05/02/2022 Client provided 2 copies of missing CD dated XXX. Condition remains. Still missing Disclosure sent and dated on XXX. 05/03/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Revolving account XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: significant time in profession of XXX years |
| 408071610 | LE XXX and final CD XXX are the only disclosures found in file. Condition is missing receiving disclosures emailed to borrower on XXX and XXX. Additional conditions may apply | 05/02/2022 Client provided 2 copies of missing CD dated XXX. Condition remains. Still missing Disclosure sent and dated on XXX.05/03/22 Client provided the XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Revolving account XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: significant time in profession of XXX years |
| 408071624 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30 current and previous mortgages |
| 408071624 | Escrow waiver fee $XXX reflected in Section A on borrower final CD but is not listed in the loan disclosure section. Condition pending receipt of PCCD with correction of escrow waiver fee included in both section A and loan disclosures section. | 05/05/22 Client provided a corrected XXX Post CD and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30 current and previous mortgages |
| 408071624 | Provide most recent XXX months 401k XXX | 5.4.2022 Client provided XXX months XXX 401k statement along with terms of withdrawal | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30 current and previous mortgages |
| 408071624 | Provide Bonus Income Calculation. Bonus decreased from XXX to XXX. Lender used $XXX/month. Review verified $XXX/month. Using lesser amount brings DTI over XXX% | 5/5 Client provided lender calculation, Bonus income decreased due to borrower being on leave, XXX months average bonus income is $XXX, lender used lower amount. | satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30 current and previous mortgages |
| 408071624 | Missing most current XXX years Tax Transcripts | 5.4.2022 Client provided exception approval for loan file missing two (XXX) years tax transcripts | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30 current and previous mortgages |
| 408071633 | Seller paid fees on seller CD but not disclosed on page 2 of the Borrowers final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required: FTHB: XXX months PITIA, met |
| 408071633 | Missing residual calc | (No Data) | DD calc meets guides, satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required: FTHB: XXX months PITIA, met |
| 408071649 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing Credit Report | 4/27 Client provided credit report | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071649 | The Disclosure Tracking Summary reflects, the revised CD XXX & PCCD XXX was sent to and received by Borrower but not in file. Condition is pending receiving CD's. | 04/27/22 Client provided the XXX and XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071649 | $XXX zero tolerance due to increase in discount points without a valid CoC in file (Rate Lock on initial LE XXX with Appraised value and loan amount same on all disclosures and expiration on XXX). Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/28/22 Client provided a copy of the XXX CD, Lock and LOE stating the DTI increased on XXX and lock was updated on XXX with change in pricing (.XXX price hit; borrower only charged .XXX of that price hit). Condition remains. The Lock provided only reflects Timestamps of XXX, which was the original lock date, and the DTI pricing hit of .XXX was already present. Provide additional documentation to support the original XXX lock did not include the DTI pricing hit, and confirmation date/time on the updated Lock. Additional conditions may apply.05/03/22 Client provided 3 Locks with revised pricing adjustments, however all 3 Locks only reflect the XXX initial lock date/time. Unable to tie the pricing adjustments to when the locks were updated. Lender to provide confirmation of when the adjustments were updated.05/04/22 Client provided updated Locks reflecting the adjustment dates with an email LOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071649 | Missing Credit Report | 4/27 Client provided credit report | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071649 | Provide Credit Report. Additional conditions may apply | 4/27 Client provided credit report | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071649 | Provide XXX years most current 1040 or W2 Transcripts | 4/26 Client provided approved exception for missing transcripts | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX. XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408071667 | Provide either XXX Tax Transcripts or XXX Extension. Loan closed after Tax Day. | 6/6 Client provided an approved exception to allow the file without the W2 transcripts | xxx final grade is B; most recent guidance does not require W2 transcripts | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408071676 | COCs dated XXX & XXX do not provide a valid reason for increase in Appraisal fee. Provide a valid reason for the total increase of $XXXX or provide corrected CD with cure, copy of refund check, LOX to the borrower with evidence of delivery via method including tracking information within XXX days of consummation. | 05/03/22 Client provided duplicate copies of the XXX COC and LE. Condition remains. No valid reasons/explanations have been provided for why the Appraisal Fee was increased multiple times. Provide a valid reason for the total increase of $XXX or provide corrected CD with cure, copy of refund check, LOX to the borrower with evidence of delivery via method including tracking information.05/10/22 Client provided a XXX Post CD with PR cure, LOE, tracking and pay history reflecting the $XXX PR deposit. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX below maximum of XXX |
| 408071704 | Appraisal Disclosure was not provided in a timely manner. Initial application dated XXX Initial LE/Appraisal disclosure dated XXX | 7/27 Client provided an appraisal disclosure dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% VS XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YRS VS XXX YRS |
| 408071708 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071712 | The Disclosure Tracking Summary and Documentation of Changes Circumstances reflects, the revised CD XXX was sent to Borrower but not in file. Condition is pending receiving revised Cd | 05/06/2022 Client provided missing CD XXX e-signed XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071712 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071712 | Provide the Initial CD with confirmation of borrower receipt at least XXX business days prior to consummation. Additional conditions may apply. | 05/06/2022 Client provided missing CD XXX e-signed XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071712 | Provide the Initial CD with confirmation of borrower receipt at least XXX business days prior to consummation. Additional conditions may apply. | 05/06/2022 Client provided missing CD XXX e-signed XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071718 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High fico XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 408071735 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071744 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program. |
| 408071744 | Missing XXX years Tax Return Transcripts from IRS as required by guidelines. | 5.25.2022 Client provided exception approval for missing W2 transcripts for wage earner employee however borrower new employment with XXX and B1 middle name is XXX, waiver not applied yet, provide LOX verifying borrower have no relationship with current employment and LOX to also state borrower do not work for XXX business. 5/25 Client requested a review; upon review there does not appear to be a family relationship; Approved exception applied | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program. |
| 408071744 | Missing executed Final Settlement Statement for the sale of the XXX property | 5.25.2022 Client provided executed final HUD-1 from sale of property: XXX with payoff of existing lien and borrowers netting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program. |
| 408071758 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX below requirement of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: borrower has a significant time in profession of XXX |
| 408071775 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Per Fraud Report Borrower owns XXX. Provide documentation it has been sold | 5/5 Client provided evidence borrower does not own XXX | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408071775 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408071775 | Per Fraud Report Borrower owns XXX. Provide documentation it has been sold | 5/5 Client provided evidence borrower does not own XXX. | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408071799 |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum borrower has XXX |
| 408071802 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408071802 | Provide XXX YTD BS for B1. | 4/22 Client provided an approved exception to allow the file without the Balance sheet for B1 | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower has been XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408071819 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The reserve requirements meet guides with XXX months PITIA primary ($XXX) leaving excess reserves of $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 1 at current LOB for XXX years and Borr2 for XXX years. |
| 408071819 | Note date XXXXXX/XXX 401k asset statement dated XXX, > XXX days | 4/27/22 client provided exception for: Expiration of credit docs exceed guidelines (no greater than XXX days) | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The reserve requirements meet guides with XXX months PITIA primary ($XXX) leaving excess reserves of $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 1 at current LOB for XXX years and Borr2 for XXX years. |
| 408071819 | Missing required residual income calc | 4/27/22 Okay to use DD firm calculation as long as it is withinprogram requirements for minimum residual | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The reserve requirements meet guides with XXX months PITIA primary ($XXX) leaving excess reserves of $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 1 at current LOB for XXX years and Borr2 for XXX years. |
| 408071819 | Per guidelines, provide most recent XXX years IRS transcripts for each borrower, only XXX in file | 4/27 Client provided approved exception for missing 2nd consecutive transcript | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The reserve requirements meet guides with XXX months PITIA primary ($XXX) leaving excess reserves of $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 1 at current LOB for XXX years and Borr2 for XXX years. |
| 408071827 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years with the same company.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower XXX years in primary residence. |
| 408071854 | Provide evidence initial CD dated XXX was received at least XXX days prior to close. | 05/20/2022 Client provided comment in collaborate stating CD was e-signed XXX however no documentation was received. Condition remains. Provide evidence of delivery XXX CD least XXX days prior to close. 05/20/2022 Client provided Duplicate copy of CD XXX e-signed by both Borrowers on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job |
| 408071854 | Provide evidence initial CD dated XXX was received by borrowers at least XXX days prior to close. | 05/20/2022 Client provided comment in collaborate stating CD was e-signed XXX however no documentation was received. Condition remains. Provide evidence of delivery XXX CD least XXX days prior to close. 05/20/2022 Client provided Duplicate copy of CD XXX e-signed by both Borrowers on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job |
| 408071854 | Delayed financing - provide all clear sources of funds to close to subject's XXX purchase. May be subject to additional conditions | 5.20.2022 Client provided copy of subject CD showing funds being disbursed to XXX Home Equity, XXX Bank, XXX Funds, file have a copy of the Promissory Note (pg 1) to support the XXX Bank funds coming from this, and file have a copy of XXX Home Equity Note to support funds coming from this (pg 874), still missing (1). source and document of the XXX Funds of $XXX along with (2). receipt of the funds from: the Promissory Note funds from Integrity Bank and (3) receipt of funds from: XXX Home Equity 5.20.2022 Client provided bank print out XXX verifying receipt of funds from XXX Bank and XXX Home Equity and provided $XXX of borrower XXX funds from business, recouping the XXX and XXX Bank funds for total of $XXX plus cash to borrower of $XXX; appears all funds are not the borrowers own funds, $XXX XXX funds came from business and XXX Bank is from business Promissory Note. Condition remains (1). all funds were not the borrowers own funds and (2). $XXX of the $XXX XXX funds were not verified 5.24.2022 Client provided Lender LOX from UW stating breakdown of where the funds came from totaling $XXX to close on subject property. Response: $XXX came from XXX account that shows on the XXX bank statement as a Loan and $XXX came from XXX HELOC #XXX (copy of HELOC agreement in file pg 674) and $XXX came from XXX Bank which shows in business name and the $XXX XXX funds, $XXX is verified being business funds, coming from business account #XXX transferred into another business account #XXX and than transferred to another business account #XXX and than clearing of $XXX check #XXX for $XXX from business account #XXX . All assets used to purchase subject property are not verified as being borrower own funds. Condition remains (1). Wired funds of $XXX came from Promissory Note w/XXX Bank which is in business name (2). wired funds of $XXX came from XXX HELOC that appears to be on borrower primary home (XXX however REO have it against XXX property), and (3). $XXX came from XXX borrower Trust assets however on the bank statement it reflect as a Loan (4). $XXX XXX funds it is verified that $XXX is from business funds and the other $XXXX not verified. Only funds that appears to be borrower own funds is the HELOC w/XXX $XXX that appears to be on XXX property which is borrower primary address 6/1 Client requested a review; upon review Business assets are an eligible source of funds for purchase and closing costs; Upon review funds came from XXX Bus Acct # XXX PSM Property Holdings Deposits to this account were sourced from XXX HELOC, XXX Bus Loan, and Borrowed funds from XXX account; Sufficient funds are verified; condition remains for Lenders Underwriting Cash flow analysis to confirm no negative impact to Business XXX Properties holdings for use of Bus funds XXX Client provided a XXX Balance sheet for XXX Property holdings showing sufficient liquidity in lieu of the UW cash flow analysis | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job |
| 408071854 | Provide all pages of final DU AUS approvalSubject to full review, and may be subject to additional conditions | 5.20.2022 Client provided DU submission #9; transaction is delayed financing cash out is the funds borrower used to purchase subject, copy of HUD-1 in file (pg 990) verifying borrower paid $XXX at closing when purchased subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job |
| 408071867 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071873 | Provide evidence initial CD dated was received minimum XXX business days prior to close. Missing Initial CD. | 04/26/22 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The Primary Borrower has been in the same profession for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Satisfactory payment history. Low Credit usage; XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired Assets: (XXX) Months :XXX\*XXX=$XXXAdditional REO: (XXX) Months PITI: XXX\*XXX=$XXX |
| 408071873 | Provide evidence initial CD dated was received minimum XXX business days prior to close. Missing Initial CD. | 04/26/22 Client provided the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The Primary Borrower has been in the same profession for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Satisfactory payment history. Low Credit usage; XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired Assets: (XXX) Months :XXX\*XXX=$XXXAdditional REO: (XXX) Months PITI: XXX\*XXX=$XXX |
| 408071873 | Missing Verification of Rental History for Co-Borrower; Per guidelines, If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise if not related or a party to the transaction a satisfactory VOR can be provided. | 4/26 Client provided a rent free letter, however per 1003 XXX pays rent in the amount of $XXX per month, condition remains or provide a rent free letter from B1 and correct the 10034/28 Client provided a corrected 1003 | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: The Primary Borrower has been in the same profession for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Satisfactory payment history. Low Credit usage; XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired Assets: (XXX) Months :XXX\*XXX=$XXXAdditional REO: (XXX) Months PITI: XXX\*XXX=$XXX |
| 408071875 | Zero Tolerance testing failed by $XXX due to the Employment Verification Fee added on the Final XXX CD without a valid COC in file. Provide the missing COC, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 05/23/22 Client provided a XXX COC and Revised CD. Condition remains. The COC does not provide a valid reason why the Employment Verification Fee was added. 05/31/22 Client provided a XXX Post CD with cure, LOE, refund check, email for Post CD and proof of shipment (check). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408071875 | Max Land Value Percentage for XXXX acres is XXX%. Subject Land Value Percentage is XXX% | 5/18 Client provided approved exception for acres of XXX and land value of XXX% | Final grade B | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408071877 | Missing a copy of final CD signed by borrowers at closing. | 04/26/22 Client provided the XXX Post (Funding) CD, Tracking and ALTA. Condition remains. Lender to provide the CD signed at Consummation on XXX.04/27/22 Client provided the XXX CD signed at Consummation on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Final CD XXX is not signed/missing confirmed receipt; Purchase Agreement is incomplete. | 04/26/22 Client provided the XXX Post (Funding) CD, Tracking and ALTA. Condition remains. Lender to provide the CD signed at Consummation on XXX, and provide all pages to the subject Purchase Contract.04/27/22 Client provided the signed Consummation CD and all pages of the Purchase Contract. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Final CD XXX, in Projected Payments section, the estimated escrow amount $XXX does not match the value indicated on Initial Escrow Account Disclosure Statement or First Payment Letter $XXX; Condition is pending receiving corrected PCCD to match IEAD with LOE to borrower | 04/26/22 Client provided the XXX Post/Funding CD and ALTA with corrected Escrow amounts. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Missing proof of U.S Permanent Residency for XXX | 4/26 Client provided permanent resident card | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Missing Condo Insurance policy.\*Borrowers HOI policy with dwelling coverage $XXX with annual premium $XXX is in file | 4/26 Client provided master policy | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Missing Form 1008 required per XXX guidelines. | 4/26 Client provided 1008 | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Missing 3rd party valuation ordered by XXX(No CU score in file for XXX). | 4/26 Client provided UCDP with score of XXX | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071877 | Missing HOA Certificate/Questionnaire | 4/26 Client provided an Email that "the subject property should qualify for a limited review"; upon review the subject does qualify for a limited review however, the appraisal is missing commentary on any pending litigation; provide a revised appraisal with comments addressing pending litigation or provide a Condo Questionnaire to address same4/26 Client provided an Email that " the appraisal indicates no pending litigation in the comments on page 6" Response, a review confirms no pending litigation per the appraisal comments | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408071923 | Borrowers DTI XXX%. Max for 2nd home on Choice QM is XXX% | 5/11 Client provided rebuttal, however only exception located in file is for LTV and max DTI states XXX%5/11 Client provided an approved exception to allow the file with a XXX% DTI | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in the same line of work for over XXX years<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have excellent credit history |
| 408071923 | Subject in a Resort Area and considered a XXX. Max LTV is XXX%. Loan closed at XXX%. Exception approval in file however DTI is over guidelines. and missing condo questionnaire | 5/11 Client provided approved exception, however exception states max XXX% DTI, condition remains4/11 Client provided an updated exception to allow the file with a XXX% DTI; exception applied for XXX% LTV on XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in the same line of work for over XXX years<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have excellent credit history |
| 408071923 | Provide Condo Questionnaire | 5/11 Client provided Condo questionnaire | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in the same line of work for over XXX years<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrowers have excellent credit history |
| 408071926 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408071936 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXXFICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408071951 | Determine status upon review/ receipt / clarification of bonus income | 5/4 Client provided acceptable letter of explanation, XXX bonus in not fully paid out, XXX months average is acceptable | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Exceeds requirements for subject and 2 reos |
| 408071951 | Missing residual income calc | 5/4/22 Client provided exception for: Residual income missing. Okay to use DD firm calculation as long as it is withinprogram requirements for minimum residual | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Exceeds requirements for subject and 2 reos |
| 408071951 | XXX Bonus: from year end paystub, XXX + used to qualifyXXX Bonus on XXX Paystub XXXProvide documentation that bonus IS NOT annual, ie, monthly, quarterly etc. If XXX IS annual, will exceed DTI guidelines.Subject to DTI recalc and may be subject to additional conditions | 5/4 Client provided acceptable letter of explanation, XXX bonus in not fully paid out, XXX months average is acceptable | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Exceeds requirements for subject and 2 reos |
| 408071951 | Missing XXX years IRS tax transcripts as required by guidelines.Client approved exception in file not yet applied due to open conditions | 5/4 Client provided an approved exception to allow the file without the Transcripts | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Exceeds requirements for subject and 2 reos |
| 408071977 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO > XXX points above guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI > XXX% below guideline maximum of XXX%. |
| 408071985 | CD XXX disclosed Finance Charge in the amount of $XXX; per xxx Paystream Finance Charge is $XXX a difference of $XXX. Condition is pending re-opening rescission to all title holders, corrected PCD, LOX and proof of delivery via shipping that includes tracking information. | 05/11/22 Client provided an Email from the Lender stating the $XXX Title Services fee is reflected as a non-APR fee. Condition remains. Lender to provide further details/clarification on what the $XXX Service fee includes. Additional conditions may apply.05/13/22 Client provided a XXX LOE to borrower and Post CD removing the $XXX Title Service Fee from Section C, and placing a new $XXX Service Fee in Section H. Upon review by internal Compliance team, the charge can be excluded from the Finance Charges. Condition remains for the proof of shipment.05/17/22 Client provided the disclosure tracking that confirms delivery on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071985 | CD: XXX Section: Loan Calculations, Field: Amount Financed: $XXXxxx's calculation: $XXX. Difference is $XXXCondition is pending re-opening rescission to all title holders, corrected PCD, LOX and proof of delivery via shipping that includes tracking information. | 05/11/22 Client provided an Email from the Lender stating the $XXX Title Services fee is reflected as a non-APR fee. Condition remains. Lender to provide further details/clarification on what the $XXX Service fee includes. Additional conditions may apply.05/13/22 Client provided a XXX LOE to borrower and Post CD removing the $200 Title Service Fee from Section C, and placing a new $XXX Service Fee in Section H. Upon review by internal Compliance team, the charge can be excluded from the Finance Charges. Condition remains for the proof of shipment.05/17/22 Client provided the disclosure tracking that confirms delivery on XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408071985 | Provide XXX Tax Extension | 5/12 Client provided an approved exception to allow the file without the Transcripts | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at the current residence.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI reserves |
| 408072009 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408072036 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers in current primary residence for XXX years. |
| 408072036 | Loan meets QM status | 5/16 client provided a MAVENT showing status of Safe Harbor and xxx determination is RP APOR5/17 Client provided QM RP | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers in current primary residence for XXX years. |
| 408072036 | HOI effective date is XXX and note is XXX | 5/16 Client provided evidence of disbursement date of XXX | satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers in current primary residence for XXX years. |
| 408072036 | Property is a condotel and max LTV per guides is XXX% and the loan is XXX%. Exception in file. | Client provided exception approval for LTV due to property type. | Final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers in current primary residence for XXX years. |
| 408072053 | Approved exception in file co-borrower does not have a open tradeline for XXX months and active within the most recent XXX months.Not yet applied due to open conditions | 6.8.2022 Client provided exception approval for B2 not meeting trade lines | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum required borrower has XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: max DTI XXX% borrower has XXX% |
| 408072053 | Provide Missing updated valuationValue not yet supportedMay be subject to additional conditions | 6.8.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% varianceNote: full complete pages of the 3rd party was not provided (missing the comparable used in report), Client accepts these pages that was provided | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum required borrower has XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: max DTI XXX% borrower has XXX% |
| 408072055 | Lender's App Date is XXX; HOCOL issued date is XXX; XXX Client provided approved exception for HOCOL not provided w/i XXX days of app date. | 5/11/22 Client provided approved exception for the List of homeowners counseling organizations not provided w/in XXX days of application. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High fico XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 408072055 | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High fico XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 408072055 | Missing tax transcripts for both borrowers for two most recent years. | 5/12 Client provided an approved exception to allow the file without the required W2 transcripts | xxx final grade is B; only Salary plus bonus used, Updated guidance W2 transcripts are not required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High fico XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. |
| 408072060 | Zero Tolerance testing failed by $XXX due to the increased of Appraisal Fee without a valid Change of Circumstances. COC dated XXX doesn't state a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/13/22 Client provided the COC with additional details supporting the increased Appraisal Fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower started job on XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072060 | Per guides, max DTI is XXX% for LTV less than or equal to XXX%. DTI for this loan is XXX. QC please cancel. | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX if DTI over XXXX% is accurate. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower started job on XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072061 | Escrow hold back for completion of repairs $XXX. Not allowed unless holdback has been disbursed and a certification of completion has been issued. | 5.9.2022 Client provided exception approval for escrow holdback not being disbursed and missing certification of completion of repairsXXX Client provided evidence of principal reduction $XXX for the " balance of the contingency reserve, mortgage paymentreserve, inspection fees or other miscellaneous fees that were financed and not approved for release.' Condition remains for evidence of disbursement/release of the entire escrowed balance of $XXXXXX Client provided evidence of release of balance of entire escrow holdback in the amount of $XXX and principal reduction in the amount of $XXX | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years. |
| 408072061 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years. |
| 408072061 | Missing 1004D; required after completion of repair job. | 5.9.2022 Client provided exception approval for escrow holdback not being disbursed and missing certification of completion of repairsXXX Client provided the 1004D showing all items are complete | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in profession for XXX years. |
| 408072077 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum score borrower rep score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX max DTI XXX% borrower has XXX% |
| 408072077 | Per G/L Borrower must have XXX months of non retirement reserves. Verified $XXX liquid reserves. $XXX is required. Provide additional liquid reserves | 6.28.2022 Client provided exception approval for transaction short < less than XXX month liquid reserves, required is XXX months liquid, slightly over XXX months liquid verified | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum score borrower rep score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX max DTI XXX% borrower has XXX% |
| 408072078 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years |
| 408072097 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX; Program max- XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has worked XXX years in same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required reserve- $XXXAvailable reserve- $XXX |
| 408072133 | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score required of XXX by XXX points |
| 408072133 | Loan file is missing XXX years tax transcripts to support income | 5.20.2022 Client provided XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score required of XXX by XXX points |
| 408072133 | loan file is missing YTD P&L required by guidelines | 5.20.2022 Client provided 1st quarter (XXX-XXX) Profit/Loss for business and file have XXX 1040 personal and 1065 business returns. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score required of XXX by XXX points |
| 408072133 | loan file is missing YTD Balance sheet required by guidelines | 5.20.2022 Client provided 1st quarter (XXX-XXX) Balance sheet for business and file have XXX 1040 personal and 1065 business returns. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score required of XXX by XXX points |
| 408072150 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072155 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072155 | RE commission fee to Seller's Broker paid by seller is not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072155 | Zero tolerance in amount of $XXX due to increased Appraisal fee on LE XXX. COC in file does not indicate a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/26/22 Client provided a revised XXX COC stating this is what appraisers in that area charge for Jumbo loans. Upon review by internal Compliance team, the COC is not valid for the Appraisal Fee increase. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery with tracking.05/27/2022 Client requested review regarding CDA fee. All of the disclosures since the initial to the Borrower, reflects the verification fee of $XXX and then payable to CDA on all CD's. There is no violation to this fee per the Disclosures received. Condition remains as is.06/01/22 Client provided an LOE to borrower, $XXX refund check and shipping label (tracking shows only the label has been created). Condition remains for the Post CD with cure and proof of shipment.06/02/22 Client provided copies of the LOE, check and shipping label, along with a XXX Post CD. Re-tracking still shows only the label has been created. Condition remains for the proof of shipment.06/03/22 Client provided the proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072155 | Missing XXX years required. | 5.25.2022 Client provided XXX W2 transcript no record of return filed for both borrowers. Condition remains for XXX W2 transcripts for both borrowers. 5.27.2022 Client provided exception approval for missing 2nd year (XXX) W2 transcripts for both borrowers | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072236 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of profession |
| 408072236 | Missing required Condo questionnaire and any additional docs required for full review of warrantability.May be subject to additional conditions upon review | XXX Client provided FNMA Condo PERS Approval. Fannie has approved the project, Client accepts the PERS FNMA approval for this project | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of profession |
| 408072236 | CDA is - XXX%Please comply with guides below, may be subject to additional conditions upon review: If the CDA returns a value that is Indeterminate or if the CDA indicates a lower valuethan the appraised value that exceeds a XXX% tolerance, then one (1) of the followingrequirements must bemet:o A XXX BPO (Broker Price Opinion) and a XXXReconciliation of Three Reports is required. The Value Reconciliation will beused for the appraised value of the property. The Seller is responsible forordering the BPO and Value Reconciliation through XXX.o A field review or 2nd full appraisal may be provided. The lower of the twovalues will be used as the appraised value of the property. The Seller isresponsible for providing the field review or 2nd full appraisal.? If two (2) full appraisals are provided, a CDA is not required. | XXX Client provided Field review value of $XXX and Sales Price $XXX value supported | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of profession |
| 408072237 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072237 | Gift guides: borrower does not have XXX% own funds in.Loan amount XXX x.XXX% = XXXPer XXX PC CD borrower funds: XXX emd, XXX cash to close, XXX deposit, - XXX back to borrower = XXXXXX gift on last page of PC CD | 5/18 Client provided an approved exception to allow the file with the Borrower not meeting the min XXX% min own contribution; Borrower contributed a total of $XXX and required contribution was $XXX: | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072237 | Missing required residual income calc | 5/6/22 client provided exception for: Residual income missing. Okay to use DD firm calculation as long as it is withinprogram requirements for minimum residual | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072240 | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408072240 | Zero tolerance in amount of $XXX due to increased State Taxes on LE XXX. COC dated XXX only states borrower requested changes but does not specify what kind of changes and a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 06/06/22 Client provided a XXX Post CD with PR cure, LOE and payment history showing deposit. Condition remains for the delivery method of the Post CD/LOE.06/07/22 Client provided the shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408072256 | Final CD missing; enclosed CD signed on XXX is a draft. Provide completed Final CD for testing, additional conditions may apply. | 04/29/2022 Client provided Duplicate PCCD XXX. Condition remains for complete Final CD provided to Borrower with correct terms and loan calculations at closing on XXX. Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Condition pending receipt of Final CD; corrected on PCD XXX | 04/29/2022 Client provided Duplicate PCCD XXX Condition remains for Final CD provided to Borrower with correct loan calculations at closing on XXX. Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Seller-paid fees that should be disclosed in Section H are not disclosed on Initial CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | Condition satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Condition pending receipt of Final CD; corrected on PCD XXX. | 04/29/2022 Client provided Duplicate PCCD XXX. Condition remains for Final CD provided to Borrower with correct loan calculations at closing on XXX. Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. APR decreased due to Finance Charge decreasing. No additional waiting period required. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | 05/03/22 Client provided the XXX Final CD for testing. The Discount Points increased by $XXX, however a corresponding change document was not located in the file to validate the increase. Provide the missing COC/Lock for further testing. Additional conditions may apply. | 05/04/22 Client provided the XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Condition pending receipt of Final CD; corrected on PCD XXX | 04/29/2022 Client provided Duplicate PCCD XXX. Condition remains for Final CD provided to Borrower with correct terms at closing on XXX. Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Condition pending receipt of Final CD; corrected on PCD XXX | 04/29/2022 Client provided Duplicate PCCD XXX. Condition remains for Final CD provided to Borrower with correct terms at closing on XXX. Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Condition pending receipt of Final CD; corrected on PCD XXX | 04/29/2022 Client provided Duplicate PCCD XXX. Condition remains for Final CD provided to Borrower with correct terms at closing on XXX Additional Condition may apply. 05/03/22 Client provided the XXX Final CD. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Unable to determine- Missing Appraisal report in file | 4.29.2022 Client provided subject appraisal report dated XXX with value of $XXX along with appraiser license and provided 3rd party CDA valuation supporting appraised value | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Appraisal report is missing in file. This is required per guideline. Please provide missing document | 4.29.2022 Client provided subject appraisal report dated XXX with value of $XXX along with appraiser license and provided 3rd party CDA valuation supporting appraised value | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072256 | Unable to determine- Missing Appraisal Report in file | 4.29.2022 Client provided subject appraisal report dated XXX with value of $XXX along with appraiser license and provided 3rd party CDA valuation supporting appraised value, not in disaster area | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Available Reserve: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years at current job<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked 5+ years at current job |
| 408072259 | Seller-paid fee that should be disclosed in Section F is not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years. |
| 408072259 | Provide WVOE or last XXX years last paystub for bonus income used by original UW> | 5.19.2022 Client provided lender worksheet with income breakdown and appears the other income of $XXX is a Cost of living adjustment and employer provided breakout of borrower payments for XXX - XXX years; so appears will continue over XXX years, YTD paystub in file reflects this XXX Cost and appears weekly payments started XXX and ends XXX in addition lender used the lowest weekly payment of $XXX for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years. |
| 408072265 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408072267 | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has been on current job since XXX |
| 408072267 | Zero Tolerance Fee of $XXX due to Appraisal fee increase on LE XXX. COC dated XXX doesn't indicate a reason why fee was increased and is not a valid COC. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/26/2022 Client provided COC XXX reflecting the increase was due to complexity. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has been on current job since XXX |
| 408072267 | Missing Patriot act for both borrowers. | 5.20.2022 Client provided executed patriot act for borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has been on current job since XXX |
| 408072269 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% VS XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% VS XXX% |
| 408072272 | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408072279 | Ten percent tolerance in amount of $XXX due to increased Survey fee on LE XXX with no valid COC in file. Borrower selected Survey provider from SPL list and fee is tested together with Recording fee for tolerance. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/26/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage |
| 408072283 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational per xxx Compliance department and TRID 2.0 revisions. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072301 | Use of business assets in asset depletion calculation. | 6/13/22-Client provided exception for use of business assets for depletion income. | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High fico XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years. |
| 408072303 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072303 | Per guidelines, provide the following for XXX #XXX and #XXX:Cash flow analysis required using most recent XXX months business bank statements to determine no negative impact to business | 6/1 Client provided 3 consecutive statement for business funds used to qualify, still missing cash flow analysis for business funds used to qualify XXX and XXX6.2.2022 Client provided Liquidity Worksheet however initial condition is for Business Asset Cash Flow Analysis for each business account w/XXX #XXX and #XXX covering XXX months business bank statements that are in the file along with statement if any negative affect on business with use of funds. 6.3.2022 Client provided Business Asset Cash Flow Analysis for XXX #XXX for XXX, XXX and XXX(not using small balance of $XXX from #XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072303 | Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:subject: XXX months PITIA + XXX for XXX= XXX, = XXXREO: XXX months PITA = XXXtotal required = XXX, not met | 5/30/22 Client provided exception for: Reserves less than program minimum but within XXX% of required reserves ; XXX% required reserves are sourced. | Initial and final grade b | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072303 | Provide Voe for B1 dated no more than XXX business days prior to Note date and for B2 no more XXX calendar days prior to Note date.VOES in file are outside requirements. | 5.31.2022 Client provided exception approval for B1 VVOE not dated within XXX business days of Note date with having a VVOE dated after Note date and B2 file have a VVOE from lender dated XXX(after Note date) stating verified business and provided the Business Active Search (not dated) which states initial filing date XXX active status | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072303 | Provide third party executed Patriot Act form for both borrowers | 6/1 Client provided patriot act for both borrowers | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072312 | Zero tolerance in amount of $XXX due to Appraisal fee increased form $XXX to $XXX on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/08/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery. 06/09/2022 Shipping label is now in transit status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months each for the other XXX REO's plus XXX months for XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job of XXX years<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence of XXXX years for B2<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072324 | Seller-paid fees that should be disclosed in Sections C, E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower XXX years at XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX minimum required borrowers representative score is XXX. |
| 408072326 |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408072329 | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have been at departing residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX MINIMUM fico AND BORROWERS HAVE AN XXX SCORE.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072343 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA , met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408072345 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX yr vs XXX yr<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% vs XXX% |
| 408072357 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV at XXX% below guideline requirements of XXX% |
| 408072379 | Borrowers' executed Patriot Act form is missing in file | 5.12.2022 Client provided executed patriot act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXXAvailable Reserves: $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072384 | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years on job. |
| 408072384 | 10% Tolerance Fee of XXXRecording Fees increased to XXX on CDs from XXX on LEs w/o indication on COC Lender Credit NOT indicated on Final CD XXX; Corrected PCD, LOX, & refund missing. | 05/24/22 Client provided the XXX Post/Funding CD and Final Settlement Statement reflecting the decreased Recording charge at funding. No refund required. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years on job. |
| 408072384 | VOR is missing. | 05/23 Client provided exception approval for missing VOR | xxxs final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years on job. |
| 408072408 | File is missing a final CD provided to borrower at closing. Note date is XXX. Only CDs found in file are dated XXX & XXX, received XXX & XXX. Condition is pending receiving all disclosures for further testing. Additional conditions may apply. | 06/03/22 Client provided the Final CD signed at Closing on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072408 | Provide copy of executed Mortgage with all applicable Riders. | 05/24/22 Client provided the signed Deed of Trust. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072408 | 05/24/22 Client provided the missing Deed of Trust, however the PUD Rider is missing. Provide the signed PUD Rider. | 06/03/22 Client provided the full DOT and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072408 | Missing documentation in the file - such as Initial Escrow Account Disclosure and First Payment letter. | 05/24/22 Client provided the First Payment Letter. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072408 | 06/03/22 Client provided the missing Final CD signed at Closing on XXX. The Recording Fee increased from $XXX on the Loan Estimate to $XXX on the Closing Disclosure. The COC in file does not provide a valid explanation for this increase. Lender to provide further details for review, or provide borrower with a $XXX refund, Post CD increasing the cure credit, LOE and proof of delivery that includes tracking information. | 06/14/22 Client provided an LOE and XXX Post CD with reduced Title and Recording charges. Also, the $XXX Lender Credit for the Zero Tolerance violation was removed. For further testing, provide the signed Final ALTA/Settlement Statement. Additional conditions may apply.06/15/22 Client provided the Final Settlement Statement. Condition remains. Provide a corrected Post CD placing the required Zero Tolerance cure of $XXX back in the Lender Credit/CCTC sections, including the required cure verbiage (The XXX Post CD provided removes the required cure credit and is currently in the Summaries, Section L).06/15/22 Client provided rebuttal with SFA guidance confirming the clerical placement of the tolerance cure is out of scope. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072408 | Final signed CD is missing from file. Unable to determine if hazard insurance in file is correct. | 6.3.2022 Client provided subject final CD with disbursement date of XXX and HOI policy effective date is XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been in the same line of work for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score is XXX. Minimum score is XXX. |
| 408072426 | Zero tolerance in amount of $XXX due to added CDA fee on initial CD XXX. COC dated XXX doesn't state a reason why fee was added. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/28/2022 Client provided PCCD XXX reflecting Lender paid $XXX CDA fee in paid by others column, Copy of refund check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% VS XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YRS VS XXX YRS |
| 408072426 | XXX% DTI | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% VS XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX YRS VS XXX YRS |
| 408072451 | Missing Form 1008. | 5.23.2022 Client provided lender 1008 within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408072458 | Seller fees listed on Seller CD but not in section H of borrower Final CD. Fees sourced on Seller CD. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months. |
| 408072462 |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points |
| 408072475 | Provide XXX 1040, or XXX 1040 extension, for B1May be subject to additional conditions upon review | 6.23.2022 Client provided duplicate (in file pg 918) B1 XXX 1040 personal returns however initial condition requested for B1 XXX 1040 or XXX 1040 extension for B1; condition remains Note: if B1 XXX is under extension, re-review of B1 income maybe required 6.24.2022 Client provided CPA Financing Information letter regarding 1st quarter XXX income however still missing initial condition, requesting for B1 XXX 1040 or XXX 1040 extension. Condition remains Note: if B1 XXX is under extension, re-review of B1 income maybe required 6/28 Client provided evidence of extension for B2 for XXX, income lower in 21 than 19 | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject 2nd Home:XXX months PITIA + XXX for XXX = XXX months PITIA2 Financed REO's : XXX moths PITIA eachMet<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualified score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 : XXX years at primary residence B2: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072475 | Missing 2022 1st quarter P/L for XXX 1120-S | 6.24.2022 Client provided LOX from CPA stating unable to provided an estimated profit and loss figure for XXX as that is too speculative. I can only comment that profits have been relatively stable over the years and barring another pandemic shutdown, I would expect your income from Women for Women to be close to what it was in 2021. The only income confirmation I can provide for 2022 is your personal income from the corporation for the first quarter was $XXX($XXX salary, $XXX dividend and $XXX bonus). In 2021, for comparison purposes, your personal income from the corporation in the first quarter was $XXX($XXX salary, $XXX dividend and $XXX bonus). Therefore, your income is up $XXX in the first quarter of 2022 versus the first quarter of 2021. Response, accepting CPA Financing information letter supporting borrower income is in line | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject 2nd Home:XXX months PITIA + XXX for XXX = XXX months PITIA2 Financed REO's : XXX moths PITIA eachMet<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualified score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 : XXX years at primary residence B2: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072477 | B2 does not meet required tradeline requirements | 05/20 Client provided exception | xxxs final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0x30 for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072480 | Final CD dated XXX has an increased Lender's Title fee of $XXX with no valid COC. Provide a valid COC or provide corrected CD, LOX to the borrower, refund for XXX% tolerance of $XXX with proof of delivery and tracking information within 60 days of consummation. | 06/20/22 Client provided a duplicate copy of the XXX CD. Condition remains. The 10% testing failed by $XXX. Provide a valid COC for the Title fee increases on the Final CD, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information.06/24/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery.06/28/2022 Shipping label now in transit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $XXX X XXX= $XXX |
| 408072480 | Missing updated valuation to support $XXX | 6.21.2022 Client provided 3rd party CDA valuation supporting appraised value however missing comparable to go with 3rd party CDA. Client accepts the pages that were provided | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $XXX X XXX= $XXX |
| 408072489 | Condition satisfied. | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Good credit history, Mortgage/Revolving/Installments 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: credit scores of XXX exceeds guide of XXX |
| 408072491 | Zero tolerance cure required in the amount of $XXX due to Loan Amount Points increased on CD XXX without a change of circumstance detail to validate. Provide a LOE, corrected CD with refund and proof of delivery information. | 05/31/2022 Client provided Interest lock dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX YRS VS XXX YRS<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX YRS VS XXX YRS |
| 408072491 | Max per guide XXX% when LTV >XXX% current XXX% XXX% LTV | 6.1.2022 Client provided some loan documents however do not appear to be pertaining to the DTI, condition remains for DTI of XXX% exceeds guidelines maximum of XXX% for an LTV of XXX%Note: Lender 1008 DTI is XXX% (in which also exceeds maximum allowed)6.1.2022 Client provided lender updated 1008/1003 along with DU Approve/Ineligible (submission #11) adding bonus income of $XXX for B2 to get DTI under XXX%; lender updated DTI is XXX% and provided XXX and YTD XXX paystubs each reflecting bonus received and using a conservative approach average of XXX months for monthly bonus (appears the bonus is received in month of XXX every year). Condition remains appears file was previously underwritten to Select QM and now re-reviewing to Select AUS. Provide Client lock reflecting program as Select AUS 6.2.2022 Client provided LOX in Collaborate stating loan file is for Select QM not Select AUS, updated DTI is XXX% with adding bonus income for B2 on Select QM program am | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX YRS VS XXX YRS<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX YRS VS XXX YRS |
| 408072508 | CD's XXX and XXX were e-signed, however the e-sign certificate states: Electronic Record and Signature Disclosure Not Offered via XXX. Provide the accepted e-consent form. | 05/31/22 Client provided the accepted e-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | LE's XXX and XXX were e-signed, however the e-sign certificate states: Electronic Record and Signature Disclosure Not Offered via DocuSign. Provide the accepted e-consent form. | 05/31/22 Client provided the accepted e-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | Missing required residual calc | 5/26/22 Client accepted DD Residual income calculation | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | Client requested a review of the bonus /commission income on paystubs; upon review the paystubs indicate RSA Shares; provide documentation to support the terms and continuance of the restricted stock awards, verification the awards are fully vested and will continue is required; If the RSA requires future vesting XXX guidelines will apply with vesting and continuance provisions to be calculated additional conditions may apply | 6.17.2022 Client provided appears to be duplicate (in file) credit memo of file, 1008 and borrower LOX regarding bonus all previously reviewed, initial condition remains 6.21.2022 Client provided appears to be duplicate (in file) credit memo of file, 1008 and borrower LOX regarding bonus all previously reviewed, initial condition remains 6/24 Client provided a revised income calculation using a 12 month average of 2022 YTD bonus; Client provided an approved exception to allow the bonus with a 12 month average supported by prior employment history of higher Bonus income in 2020 and Sign on bonus for 2021 not considered; XXX and XXX income not used and considered only as a comp factor | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | Appears lender may have used both commission and bonus as one entity to qualify.Current job started XXX, per wvoe:2021 Bonus XXX, 'other' : XXX,2022 YTD bonus XXX, 'other' XXXPrior job ended XXX, per wvoe:2020: bonus XXX, commissions : XXXProvide clarification of what current job 'other' income is, and clarification of 2 year calc of bonus and/or commissionSubject to full income recalc and may be subject to additional conditions | 6.14.2022 Client provided borrower LOX regarding bonus from current employment and states receives in January of each year borrower started with current employment XXX and per Written VOE bonus income used is not supported with the current employment bonus, appears lender average previous job employment bonus with current job bonus, but appears current employment commissioned income is much more than bonus income and appears commission income will need to be considered for qualifying vs bonus income. Condition remains bonus income is not supported with current employment, appears previous employment he was receiving much more bonus and current employment he is receiving much more commission vs bonus, appears other income should be commissioned income vs bonus income, file have 2020 1040 personal returns and 2021 under extension, so less than 2 years of commissioned income and will need 1040 transcripts if we consider commissioned income due to tax returns are required for commissioned income over XXX%. Condition remains: (1). other income to be used for qualifying should be commissioned income from current employment (2). if considering commissioned income 2 year history is required and appears to have received commissioned in 2020/2021 and YTD however 2021 1040 personal returns are under extension, file have 2020 1040 personal returns and (3). No transcripts in file due to lender was using bonus income with W2's in file, now will need 2 years 1040 transcripts (with use of commissioned income). Upon receipt and review other income and DTI still under review Note: the bonus income of $XXX from previous employment is not supported with bonus income with current employment, appears current employment is commissioned income vs bonus income 6.17.2022 Client provided appears to be duplicate (in file) credit memo of file, 1008 and borrower LOX regarding bonus all previously reviewed, condition remains bonus income not supported, three (3) requested documentation in prior update on XXX is still required. Upon receipt and review other income or commissioned income to be calculated, DTI and income still under review 6.21.2022 Client provided appears to be duplicate (in file) credit memo of file, 1008 and borrower LOX regarding bonus all previously reviewed, condition remains bonus income not supported, three (3) requested documentation in a previous update on XXX is still required. Upon receipt and review other income or commissioned income to be calculated, DTI and income still under review 6/24 Client provided a revised income calculation using a 12 month average of 2022 YTD bonus; Client provided an approved exception to allow the bonus with a 12 month average supported by prior employment history of higher Bonus income in 2020 and Sign on bonus for 2021 not considered; XXX and XXX income not used and considered as a comp factor | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | Provide proof that HELOC has been paid and closed to future draws | 6.9.2022 Client provided executed by borrowers requesting closure of HELOC w/XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072508 | Missing 1008 | 6.14.2022 Client provided lender 1008 within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072529 | Real Estate Commission fees paid by the seller missing from the final CD. | (No Data) | Condition Satisfied. Fees sourced back to the sellers CD for Real estate commission fees. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072529 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072529 | There is a pool inspection in file. Pg 2 shows Electrical safety issue and pool barrier to short for current code. In all the pool does not appear to be in working order. | 5.27.2022 Client provided duplicate documents that was in loan file (pgs 2 - 23) which is the pool inspection and the LOX email from Mortgage Broker and Operations of XXX Pools stating: (a). Gas not plugged correctly is not a huge safety concern as there is a gas stop in place that shuts off the gas(b). The water spiket above the pump and motor is a real concern as it could lead to a serious shock risk. We advise moving pump left 10" to clear Motor from spiket and avoid shock hazard (c). The Conduit compromised can just be re attached or may need to be changed to add length to move the pump to clear the spiket and (d). the exposed 220v line is not a huge safety concern at this time as it is disconnected inside the control box. Response, appears a and d states not a huge safety concern however still appears to be a safety concern even though not huge. Condition remains for a satisfactory pool inspection with no safety hazard concerns regarding the pool inspection and pool to be in working condition. 6.28.2022 Client provided invoice and invoice balance from XXX and a XXX however (1). still missing a satisfactory pool inspection verifying all safety concerns have been taken care of along with photos of pool and (2). will need to verify invoice provided is/was paid in full, currently shows a balance. 9/21 Client provided an Email from XXX pool and pictures indicating safety repairs are complete and an updated report will be provided; Condition remains for the updated report verifying no additional safety issues remain and evidence the invoice is paid. 9/21 Client provided the updated inspection report and a paid receipt for certain repairs ; upon review the pool filter was relocated away from the water faucet curing a shock risk. However, per the updated report, several safety issues remain. 1. Deck has a step up trip risk, 2. Pool Barrier is too short Min per code is 48". 3. Gate not self closing/latching. 4. gas line not plugged correct, 5. 220V conduit compromised, 6. Breaker box open to water penetration and exposed 220V wire on ground for a heater. 7. Window safety locks not installed; Invoice is satisfied, Provide evidence the remaining 7 safety risks have been cured . 9/27/2022 client provided an e-mail from pool contactor that repairs had been made. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072535 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX Years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX VS XXX |
| 408072535 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX Years in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX VS XXX |
| 408072561 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 1 has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points |
| 408072561 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 1 has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points |
| 408072561 | Exception triggered due to missing initial CD; per Disclosure Tracking Summary initial CD issued and received on XXX. | 06/08/2022 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 1 has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points |
| 408072561 | Exception triggered due to missing initial CD; per Disclosure Tracking Summary initial CD issued and received on XXX. | 06/08/2022 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower 1 has been at current residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points |
| 408072589 | Approved client exception in file for:Secondary financing outside XXX guidelines - Non-institutional, interest belowmarket rate, and lack of regular payments, however, not yet applied due to:a. Open conditionsb. Reserves do not meet required amount on approved exception of XXX | 6.9.2022 Client provided Life insurance annuity assets with cash surrender value of $XXX which is already being considered in the xxx assets, verified reserves are $XXX with using asset per lender 1003 and exception approval required reserves is $XXX; borrower cash to close (not including the 2nd lien) is $XXX and verified assets are $XXX including the cash surrender value (not including the 2nd lien) = $XXX left for reserves Waiver not applied due to required reserves of $XXX not verified, only reserves of $XXX verified 6.9.2022 Client provided updated exception approval program Select QM and updated reserves minimum of $XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at departing residence |
| 408072589 | SUBORDINATE LIEN MUST BE RECORDED AND CLEARLY SUBORDINATE TO FIRST MORTGAGE LIEN; please provide | 6.9.2022 Client provided LOX stating the DOT states to be recorded and the closing instructions state that the subject loan will be in 1st position. Response, the exception approval requested for the subordinate lien must be recorded and clearly subordinate to 1st Mortgage Lien, appears 2nd lien is a non institutional lien. File have amended escrow instructions (pg 146) for Second Note and Deed of Trust: Escrow holder shall be handed a Second Note secured by a 2nd Deed of Trust in the amount of $XXX from Lien Holder (XXX). Escrow holder to record said Deed of Trust and obtain title insurance IF 2nd Note Holder requires. Client accepting the amended signed escrow instructions stating 2nd lien to be recorded | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at departing residence |
| 408072590 | Zero Tolerance testing failed by $XXX due to the increased, original Commitment Fee without a valid Change reason on the XXX COC in file (Lock is not a valid reason for the Commitment increase). Provide borrower with a $XXX refund, LOE, Post CD with cure and proof of delivery via shipping that includes tracking information. | 06/15/22 Client provided an LOE from the Lender Branch Mgr. stating the loan was originally priced as a Conventional but locked as a Jumbo so the Commitment Fee increased at re-disclosure. Condition remains. Upon review by internal Compliance counsel, provide the Commitment Agreement to identify all costs involved. Additional conditions may apply.06/23/22 Client provided a XXX Post CD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total reserves $XXX Months PITI reserves (Qual Rate): XXX months, require XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been on current profession for XXX years. |
| 408072621 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX |
| 408072640 | Initial CD XXX is e-signed by non-borrowing spouse but a prior e-signed is missing in file | 06/24/2022 Client provided E-sign Certificate reflecting NBS consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Mortgage/Revolving 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: credit score of XXX exceeds guides of XXX |
| 408072640 | MISSING UPDATED VALUATION | 6.24.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance (missing comparable pages however Client accepts pages that were provided) | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Good credit history Mortgage/Revolving 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: credit score of XXX exceeds guides of XXX |
| 408072658 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has worked XXX years at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has worked XXX years current job<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qual score- XXX; Program max- XXX<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: 0x30 for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Max DTI- XXX%; Program max- XXX% |
| 408072682 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX \FICO required and borrower has a XXX score. |
| 408072682 | Final CD XXX - section Loan Disclosures - Escrow Account - neither of You declined it and/or Your lender does not offer one are selected along with total estimated property cost over 1 year amount. Condition is pending receiving corrected PCD with LOE to borrower. | (No Data) | condition satisfied | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX \FICO required and borrower has a XXX score. |
| 408072682 | CD XXX Projected Payments section and the CD Loan Disclosures section are not consistent in whether or not an escrow account will be established. Condition is pending receiving corrected PCD with LOE to borrower. | 06/14/2022 Client provided PCCD XXX with correction. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX \FICO required and borrower has a XXX score. |
| 408072682 | CD XXX - section Projected Payments - Estimated Escrows - Property Taxes and HOI checked as Yes to held in Escrows. Section Loan Disclosure - Escrow Account - checked as "will not have an escrow account" . Escrow Waiver together with First Payment Coupon in file indicate no escrows are held. Inconsistent information provided to borrower at closing. Condition is pending receiving corrected PCD with LOE to borrower. | 06/14/2022 Client provided PCCD XXX with correction. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX \FICO required and borrower has a XXX score. |
| 408072682 | HOI effective date is XXX and note date is XXX. | 6/21 Client provided hazard with effective date of XXX | satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX \FICO required and borrower has a XXX score. |
| 408072684 | Missing CDA | 6.14.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072684 | Missing Condo Questionnaire | 6.14.2022 Client provided Condo questionnaire for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072705 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years. |
| 408072727 | Final CD XXX reflects a Disbursement Date as XXX which is prior to the end of the Rescission period XXX. Per Final ALTA Statement in file, Disbursement date was XXX. Condition is pending receiving updated PCD with LOE to borrower. | 06/24/2022 Client provided updated Final Alta reflecting corrected Disbursement date of XXX however, Final CD in file reflects XXX Date. Provide a PCCD with corrected Disbursement Date matching Final Settlement Statement received and LOE to Borrower. 07/05/22 Client provided the corrected XXX Post CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | Missing required residual income calc | 6/23/22 Client allow for use of DD residual income calculation as long as it is within program requirements for minimum residual | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | Provide proof that XXX HELOC has been paid and closed to future draws; doc in file not signed. | 6.24.2022 Client provided executed by borrower requesting closure of HELOC w/XXX #XXX-XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | Max XXX cash out per guidelinesLoan is XXX cash out per final CDApproved client exception in file not applied yet due to open conditions.\*Heloc being paid is not counted in Cash out figure above, as per Fraud report can tie in as purchase money. | 6.24.2022 Client provided exception approval for cash out of $XXX exceeding maximum cash out of $XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | Appraiser did a physical inspection of property and stated : 'no evidence of income producing or agricultural use of the subject property;' however, appraisal photos state XXX not accessible' Current HOI policy states occupancy as XXX, page 903 combined file and borrower loe dated XXX page 1001 combined file states XXX + XXX into 1065 based at subject residence is : 'from local livestock owners that are in need of land to allow their cows to graze. There is no income received from growing any crops or anything agricultural related.' | 6.24.2022 Client provided exception approval for subject property appears to have a XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | Note date: XXXPrelim title effective date XXXPer guidelines, provide updated title report no more than XXX days prior to Note date.May be subject to additional conditions upon review. | 6/30 Client provided updated title | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072727 | XXX acres.Approved Client exception in file not yet applied due to open conditions. | 6.24.2022 Client provided exception approval for subject property having XXX acres in which exceeds guidelines maximum | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At wage earner job since XXX |
| 408072735 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test/source it. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum required XXX borrower has XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Max DTI XXX% borrower has XXX% |
| 408072738 | Credit report and 1003 reflects two (2) debts w/XXX #XXX $XXX monthly and XXX #XXX $XXX monthly both were NOT included in Lender DTI however reflected on 1003 and credit report, with including these two debts DTI would be around XXX%. Provide supporting documentation of omission of these two debts from DTI or provide updated lender 1008 including these two debts. Note: 1008 states payoff debts totaling $XXX(provide documentation) | 7.27.2022 Client provided LOX stating credit card payments was paid off on XXX bank statement, Response debts are reflected on bank statement paid, however per bank statement XXX #XXX was paid in the amount of $XXX however credit report balance is $XXX(revolving accounts) and XXX #XXX was paid in the amount of $XXX and credit report balance is $XXX(revolving accounts), paid on XXX and credit report is dated XXX; condition remains for XXX statement verifying both accounts are now $XXX balance or credit supplement showing $XXX balance. Could possibly now be $XXX balance but according to what was paid and the balance outstanding on the report #XXX appears to have a small balance $XXX left. 7.28.2022 Client provided duplicate (in file) credit report dated XXX however most recent credit report in file is dated XXX with these XXX accounts, condition remains, most recent credit report dated XXX reflects these balances that are close to what was paid off on the borrower XXX bank statement. Condition remains for current documentation (dated after XXX which is the most recent credit report date) verifying $XXX balances on XXX #XXX and #XXX revolving accounts.8.2.2022 Client provided credit supplement verifying both XXX accounts #XXX and #XXX are paid $XXX balance (in addition pg 169 in loan file bank statement reflects assets used to payoff these two accounts) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408072738 | Loan file has a Draft 1120S XXX business return and another copy of 1120S XXX business returns, file also have Business Transcripts for XXX that appears to match the Draft business returns however the other copy of 1120S business returns income was used for qualifying. Provide copy of 1120S XXX Business Transcripts for this corrected updated business returns with k1 income of $XXX(pg 265), this is the income used for qualifying. Note: The draft copy of the business returns is much lower income and was not used for qualifying | 7.28.2022 Client provided duplicate (in file) credit report. Initial condition remains 7.28.2022 Client provided Lender LOX requesting will accept letter from the accountant stating the amended returns didn't affect the borrowers personal income. Response, due to amended returns and loan file having 2021 business transcripts validating the draft copy of the lower business returns income, and income used for qualifying was based off of the much higher amended business income, condition remains for copy of 1120S XXX Business returns Transcripts with k1 income of $XXX 7.29.2022 Client provided CPA email LOX stating original response still remains the same, it is a timing difference and provided a copy of the amended returns (which is in loan file and was reviewed), initial condition remains for 1120S XXX Business transcripts with k1 income of $XXX 8.1.2022 Client provided LOX requesting re-review, further reviewed with team lead and accepting the 1040 2021 Transcripts with the amended corrected Schedule E income of $XXX(in lieu of requesting the updated 2021 1120S business returns reflecting $XXX) along with CPA letter that was provided supporting reason for the amended tax returns | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408072739 | Loan Consummated on XXX; ROR Expiration Date is XXX; Final CD XXX indicates Disbursement Date of XXX; Condition is pending receipt of final ALTA statement reflecting later disbursement date, & corrected PCD, LOX, & proof of delivery. | 06/08/22 Client provided a corrected XXX Post CD, along with a Final Settlement Statement that belongs to a different borrower/property. Condition remains for the Final ALTA/Settlement Statement for the subject property that reflects Disbursement on XXX.06/14/22 Client provided the Final ALTA/Settlement Statement for the subject property. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408072783 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA and XXX months other properties $XXX with $XXX in excess reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower in same LOB for XXX years. |
| 408072790 | Provide the Final Title Policy reflecting the required T.42 Endorsement. | 06/09/22 Client provided the Final Title Policy with the T.42 Endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | Provide the Final Title Policy reflecting the required T.42.1 Endorsement. | 06/09/22 Client provided the Final Title Policy with the T.42 Endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | Zero Tolerance testing failed by $XXX due to the Point increases and Appraisal increase without any valid COC's in file. Provide the missing COC's for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery with tracking information. | 06/01/22 Client provided a XXX COC stating the Lock was extended with change to Points. Condition remains. Lender to provide a valid COC for the first Points addition on the XXX LE, a valid COC for the Appraisal increase on the XXX CD, and provide explanation for why the Lock, showing the extension to the Expiration Date, was signed by borrower on XXX but the Points increase was not disclosed until the XXX CD (timing not met). Additional conditions may apply after review of the requested documents.06/02/22 Client provided a duplicate copy of the Initial XXX CD reflecting $XXX cure credit for the Appraisal. Condition remains. The Final XXX CD does not reflect this cure credit. Lender to provide a valid COC for the first Points addition on the XXX LE, a valid COC for the Appraisal increase on the XXX CD, and provide explanation for why the Lock, showing the extension to the Expiration Date, was signed by borrower on XXX but the Points increase was not disclosed until the XXX CD (timing not met). Additional conditions may apply after review of the requested documents.06/09/22 Client provided the missing XXX COC for the first increase in Points. Condition remains. Re-testing still results in a $XXX Zero tolerance violation for the Appraisal Fee (No valid COC) and 2nd Points increase (COC - timing not met). Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery with tracking information.06/16/22 Client provided a XXX Post CD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | XXX account is through XXX. Note date XXX. This is over the XXX days | Auto Exception for credit docs being over XXX days but within XXX | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | DTI XXX% due to Rental Income. Meets G/L | Auto Exception for credit docs over XXX days but within XXX | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | Provide 2021 Tax Extension. Using Rental Income | 6/1 Client provided approved exception for missing 2021 extension | final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072790 | Provide CDA | 5.31.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408072804 | The Title Commitment in file does not reflect the T.42 or T.42-1 Endorsements. Form T-64 did not break down the Title Endorsement charges. Provide the Final Title Policy that includes the T.42 and T.42-1 Endorsements. | 06/28/2022 Client provided Breakdown of Endorsements however, the list is missing Borrower name or loan #. Condition remains. Provide Borrower verification of name and/or loan # for documentation provided.07/05/22 Client provided the Borrower's Final Title Policy reflecting the T.42 endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX= XXX, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at residence |
| 408072804 | The Title Commitment in file does not reflect the T.42 or T.42-1 Endorsements. Form T-64 did not break down the Title Endorsement charges. Provide the Final Title Policy that includes the T.42 and T.42-1 Endorsements. | 06/28/2022 Client provided Breakdown of Endorsements however, the list is missing Borrower name or loan #. Condition remains. Provide Borrower verification of name and/or loan # for documentation provided.07/05/22 Client provided the Borrower's Final Title Policy reflecting the T.42 endorsements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX= XXX, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at residence |
| 408072804 | B2 is XXX.Per guidelines, provide the most recent XXX years IRS 1040 transcriptsMay be subject to additional conditions upon review | 7.5.2022 Client provided XXX/XXX/XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX= XXX, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at residence |
| 408072804 | Provide 1008May be subject to additional conditions upon review | 6/28 Client provided 1008 | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX= XXX, met<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at residence |
| 408072806 | Loan is excessive due to fees. XXXX% | 9/6 Client provided an approved exception to allow discount points testing at XXXX discount per bonafide point | xxx final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 408072806 | Zero Tolerance testing failed by $XXX due to the added CDA Fee on the Revised XXX LE. The XXX COC in file did not provide a detailed Explanation/Reason. Lender to provide additional clarification on why the CDA fee was requested by UW. Subject to re-review. Additional conditions may apply, including refund to borrower. | 09/08/22 Client provided a XXX Post CD with cure, LOE and refund check. Condition remains for the tracking information.09/09/22 Client provided the proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 408072806 | Per 1008 "All Other Monthly Payments" state $XXX/month. Review was able to verify $XXX/month for XXX; and the 3 APN's and $XXX/month from credit report. Difference of $XXX/month. Either provide documentation of the difference or new 1008 | 8/31 Client provided additional document to support the debt of $XXX | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months PITI |
| 408072810 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072829 | Earliest e-consent found in file is dated XXX. Initial LE XXX is e-signed by borrower but a prior e-consent is missing in file. | 07/07/22 Client provided the XXX XXX reflecting consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $XXX X XXX= $XXX+ XXX Months for Additional REO or $XXX X XXX= $XXX |
| 408072831 | Provide signed 1003 for B1 showing 2nd job and REO at XXXProvide Demographic Information for B2 | 6.27.2022 Client provided updated signed 1003 for B1 with adding 2nd job and adding REO at XXXXXX property is free and clear of liens, taxes/hoi included in DTI and verified in loan file and provided the updated 1003 for B2 with demographic information | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408072836 | Site value per appraisal is $XXX which exceeds XXX max; Property has a collapsed barn and XXXX mobile homes that are indicated "to be removed" | 10/5 Client provided an approved exception to allow the file with the site value exceeding XXX; Appraiser to provide a 1004D showing all mobile homes removed per exception approval; DD review also requires the 1004D to indicate if any safety concerns exists due to the collapsed barn on the property; Borrower also to provide an attestation that "they are not going to use the property for agricultural or income producing aspects. 10/06/2022 client provided a 1004D which showed manufactured homes have been removed and barn is not a safety issue. | Condition waived. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX months at current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home |
| 408072837 | The Seller CD and ALTA reflect additional closing costs paid by Seller that are not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072837 | Zero Tolerance testing failed by $XXX due to the increased Appraisal Fee from $XXX to $XXX. Upon review by internal Compliance counsel, COC XXX does not reflect valid details/Reason for the increase. Lender to provide further explanation from Appraiser as to why this area required a higher charge. Additional conditions may apply. | 06/16/22 Client provided an LOE from Lender dated XXX(post closing) that states the appraiser's reason for the increased Appraisal Fee is due to the complexity of the assignment (property is over XXX square feet). Upon review by internal Compliance counsel, condition remains due to documentation is needed prior to closing. The original COC states reason for change was Appraiser's minimum fee to complete in this area, however this LOE states a different reason that was not documented in the file at the time of re-disclosure. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery with tracking information.06/28/2022 Client provided PCCD XXX disclosing a refund on Summaries of Transactions, section K, copy of refund check, LOE shipping label for delivery. Condition remains for delivery. 06/30/2022 Tracking now shows as in transit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072839 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408072867 | Missing required residual income calc | (No Data) | Calc meets guidesSatisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408072874 | Provide legible copy of credit report dated XXX; copy in file is not legible and mid score of XXX is from this report. | 7.28.2022 Client provided legible copy of credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408072879 | The Co-borrower is on Maternity leave.Required:The Co-borrower must provide written confirmation of his or her intent to return to work.May be subject to additional conditions upon review. | 7.18.2022 Client provided duplicate (in file pg 1540) B2 employer VVOE with return to work date however initial condition remains, missing B2 written confirmation of his or her intent to return to work. 7/19 Client provided letter of intent to return to work from borrower | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072881 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments < XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X 6 = $ XXXXXX Months for Additional REO or $ XXX X 3 = $ XXX |
| 408072881 | Client Exception Approved - Exception Requested For XXX% LTVBorrower had chapter 7 BK discharged XXX XXX. overlay states max ltvXXX% if less than XXX years since BK filing. Borrower is an XXX XXX(salaried). Need to go to XXX% ltv. | 07/01 Lender allowed for LTV exceeding max of XXX% | xxxs final grade B due to DTI of XXX% and credit scores exceed guidelines | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Low DTI XXX % Guidelines Require XXX %<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower Has Good credit history with 0 Late Payments < XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X 6 = $ XXXXXX Months for Additional REO or $ XXX X 3 = $ XXX |
| 408072897 | CDA supports appraised value, however CDA comp pages are cut off / not scanned in properly. Provide full CDA report, all complete pages. | 6/23 Client provided all pages of valuation that support the appraisal | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA for subject and 6 for REO, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072906 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost-Closing Reserves of $XXX as XXX months PITIA Guidelines Reserves Required = XXX months PITIA, met |
| 408072906 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost-Closing Reserves of $XXX as XXX months PITIA Guidelines Reserves Required = XXX months PITIA, met |
| 408072906 | Closing date XXX. Initial CD not provided. Condition pending receipt copy of initial CD w/ proof of delivery at least 3 days prior to consummation. | 07/26/202 Client provided Initial CD signed by both XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost-Closing Reserves of $XXX as XXX months PITIA Guidelines Reserves Required = XXX months PITIA, met |
| 408072906 | Closing date XXX. Initial CD not provided. Condition pending receipt copy of initial CD w/ proof of delivery at least 3 days prior to consummation. | 07/26/202 Client provided Initial CD signed by both XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Low LTV/CLTV/HLTV XXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost-Closing Reserves of $XXX as XXX months PITIA Guidelines Reserves Required = XXX months PITIA, met |
| 408072919 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score |
| 408072919 | XXX Guides:May only be used as qualifying income if the income has been consistently received for two (2) years and is identified on the paystubs - please provide. Paystubs in file do not reflect XXX.May be subject to additional conditions upon review. | 6/15 Client requested a review; upon review evidence in the file including awards and vesting documents show 2 years consistent receipt of XXX payments; which are made every 6 months and would not appear on paystubs in the first and second quarter | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score |
| 408072919 | Per below guidelines, please provide required stock price printouts, lender write up on income worksheet not sufficient.Subject to income recalc and may be subject to additional conditions upon review.Guides:A two (2) year average of prior income received from XXX or stock options should be usedto calculate the income, with the continuance based on the vesting schedule using a stockprice based on the lower of the current stock price or the XXX-week average for the mostrecent XXX(XXX months reporting at the time of application. The income used for qualifying must besupported by future vesting based on the stock price used for qualifying and vestingschedule | 6.21.2022 Client provided appears to be the account summary of XXX shares with no borrower name, initial condition remains to provide required Stock Price printouts, (using lender write up on income worksheet not sufficient).Subject to income recalc and may be subject to additional conditions upon review.Guides:A XXX (XXX) year average of prior income received from XXX or stock options should be usedto calculate the income, with the continuance based on the vesting schedule using a stockprice based on the lower of the current stock price or the XXX-week average for the mostrecent XXX(XXX) months reporting at the time of application. The income used for qualifying must besupported by future vesting based on the stock price used for qualifying and vestingschedule6.27.2022 No upload found, please re-send 6.27.2022 Client provided the Award summary for borrower however still missing the initial condition request, provide the stock price print out or the XX reporting at the time of application that was used to calculate the monthly XXX income used for qualifying 6.30.2022 Client provided XXX stock price dated XXX (XXX days ago), loan Note date XXX and initial application date is XXX; stock price or the XXX week average must be for the most recent XXX (XXX) months at the time of application, what was provided is dated after subject transaction. Condition remains for the XXX-week average for the most recent twelve months reporting at time of application, application date is XXXNote: Lender income calculation in file (pg 438) reflects a XXX week low, high, average and current stock price, provide the documentation for this stock info used on lender worksheet. Lender income worksheet have application date of XXX however loan file supports initial application of XXX; stock info must be info reporting at time of application. 7/8 Client provided supporting documents for stock price calculation; vesting previously satisfied, supporting qualifying income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score |
| 408072920 | Primary Residence: DTI > XXX% = XXX% requires residual income calculation.$XXX-$XXX= $XXX | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower XXX years as XXX |
| 408072929 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work |
| 408072929 | Zero tolerance in amount of $XXX due to added Investor's fee of $XXX and CDA fee of $XXX on LE XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/13/2022 Client provided 2 duplicate copies of COC XXX already in file for appraisal increase. Condition remains. Provide COC's for additions of Investor's fee $XXX and CDA fee $XXX reflecting a valid reason for these fees or PCCD with $XXX cure, copy of cure check, LOE to Borrowers and evidence of delivery via tracking. 07/18/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work |
| 408072929 | Note date: XXXThree XXX asset statements all dated: XXX, > XXX days | 7/12/22 client provided exception for:Expiration of credit docs exceed guidelines (no greater than XXX days) | Initial and final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work |
| 408072929 | Per guidelines, provide the following for B1:XXX W-2s or W-2 Transcripts XXX is in file | 7.13.2022 Client provided copy of B1 XXX W2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work |
| 408072931 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408072932 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time (XXX years) with current XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines |
| 408072935 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408072937 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years and B2 has XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Qualifying score and XXX min |
| 408072943 | Credit report in file dated XXX illegible and the merge credit report dated XXX; provide legible copy of both reports | 7/13 Client provided legible credit report for both | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months exceeds guidelines |
| 408072966 | Property is new construction and appraisal is subject to completion with some funds escrowed; provide a 1004D showing all items are complete and release of escrow holdback | 12/22 Client provided the 1004D with all items completed and evidence the holdback was released | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession and B2 has XXX Years |
| 408072966 | LE: XXX[Last LE], Section: General LE Information, Field: Date Delivered, Value: XXXInitial CD: XXX, Section: General CD Information, Field: Date Delivered, Value: XXX | 07/15/22 Client provided an LOE from Lender stating the LE was issued/provided on XXX, and the Initial CD was delivered on XXX as reflected in the screen shot previously provided. The erroneous "date issued" on the CD was the result of an inadvertent human error. Condition remains. Unable to locate the screen shot referenced in the LOE. Provide the screen shot for review, and a copy of the DocuSign Certificate of Completion for the Initial CD.07/15/22 Client provided an Email from Lender that includes a Disclosure Tracking Detail for a CD with Sent Date XXX. Condition remains for a signed attestation from Lender stating the CD with Issue Date XXX was not sent until XXX, per the Disclosure Tracking.07/18/22 Client provided a signed attestation from the Lender confirming the Initial CD was not Sent/Delivered until XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession and B2 has XXX Years |
| 408072966 | Appraisal is done subject to completion; provide a 1004D showing all items are completed | 12/22 Client provided the 1004D with all items completed and evidence the holdback was released | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years in profession and B2 has XXX Years |
| 408072967 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072982 | Zero Tolerance violation of $XXX due to the Tax Service Fee and Appraisal Review Fee increases. A lender credit of $XXX was provided at Closing for the Appraisal Review Fee, however an additional XXX is required for the Tax Service Fee. Provide borrower with a XXX refund, Post CD with increased cure, LOE and proof of delivery. | 10/03/22 Client provided the Fee Variance Worksheet. Condition remains. The worksheet does not provide further details for why the Tax Service Fee increased by XXX. Lender to provide further explanation for review. Additional conditions may apply, including refund to borrower.10/04/2022 Client provided rebuttal stating they do not see a $XXX cure is required, requesting additional information. Along with Duplicate LE XXX. Condition remains. Additional information is required as COC XXX does not provide a valid reason for the Tax Service fee to increase after initial Disclosure. 10/11/22 Client provided a XXX Post CD with increased cure, LOE, Tracking and a refund check that belongs to a different borrower. Condition remains for the $XXX refund check for the subject borrower.10/12/22 Client provided the $XXX refund check for the borrower. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072982 | Missing the following for other REO owned properties (1). Missing Borrower LOX no monthly HOA on properties, only 1 property (XXX) verified monthly HOA in file (2). Regarding primary home: XXX there is a difference of $XXX not verified and possibly is HOA, please provide if applicable, verified taxes of $XXX | 9/30 Client provided letter regarding No HOA, and copy of the PITI calculation for primary home | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072982 | Income used for XXX is average of XXX Transcripts Loan file have XXX Transcripts | 9/30 Client provided XXX evidence of 1040 tax filing; file has XXX 1040 transcripts, missing XXX Tax transcript request with IRS comments " No record found" or provide the XXX 1040 transcripts 10.4.2022 Client provided Lender LOX stating borrower just file their taxes on XXX and we cleared this file to close on XXX no way we would have been able to get transcripts prior to close. Condition remains for XXX Transcripts and post close transcripts is allowed, file have signed tax returns Note: XXX average was used for some businesses due to XXX being lower and XXX with increased income, so average was done. 10.6.2022 Client provided evidence of XXX which matches the XXX 1040 personal tax returns in file (pg 1006) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072982 | Both Borrowers have several 2nd XXX and employment positive income used for qualifying, missing the following: (1). Missing 3rd party VVOE for BOTH borrowers Schedule C XXX - none in file and to be dated within XXX days of Note(2). B2 SOS in file for business:XXX days of Note date XXX(3). Missing VVOE/LOX both borrower having no ownership with the following businesses: XXX | XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072982 | Condotel 2nd Home maximum LTV is XXX due to being a Condotel, subject LTV XXX which is the maximum however due to condotel LTV must be XXX below product/program maximum which would be XXX. Exception approval on loan file however exception not applied due to other outstanding conditions on file and verified reserves are $XXX | 10/12 Client provided an updated approved exception to allow the file with a XXX LTV on a CondoTel; updated minimum reserves are accepted as XXX; all conditions are satisfied | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072982 | Subject is CondotelMissing Full Complete Condo QuestionnaireMissing Subject Condo Budget | 9/30 client provided Condo questionnaire and budget | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time (XXX years) at current job<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months |
| 408072986 | Zero Tolerance Fee of XXX Appraisal Fee increased to XXX on Revised LE XXX from XXX on 1st LE XXX w/o indicating a reason for the increase on COC XXX Lender Credit NOT indicated on Final CD XXX nor PCD XXX; Corrected PCD, LOX, refund, & proof of delivery missing. | 06/21/22 Client provided a copy of the XXX COC and LOE stating the loan went from Float to Lock on XXX. Condition remains. A rate lock is not a valid reason for an Appraisal Fee increase. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information.06/28/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in created status. Condition remains for delivery. 06/29/2022 Per tracking, package is now in transit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072986 | Note date : XXXCBR date: XXX, > XXX days | 6/15/22 Client provided exception for: Expiration of credit docs exceed guidelines (no greater than XXX days) | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072986 | Max LTV for purchase at XXX loan amount is XXX%Qualifying LTV is XXX% | 6.15.2022 Client provided exception approval for LTV XXX% exceeding maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072986 | Max loan amount for XXX is XXXLoan amount is XXX | 6.15.2022 Client provided exception approval for loan amount of $XXX exceeding guidelines maximum of $XXX for XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408072986 | Page 2 of appraisal states subject is unquie due to having no bedrooms above grade. | 6.15.2022 Client provided exception approval for subject property being unique with having no bedrooms above grade | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA XXX, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073001 | Initial LE XXX is missing page 1. Condition is pending receiving a complete copy of LE XXX | 07/29/2022 Client provided complete, all pages of XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job. |
| 408073001 | Missing 2 months Account Statements for the XXX account #XXX and the XXX account #XXX to verify asset amounts as listed on the 1003. | 7.29.2022 Client provided two months (XXX/XXX) XXX #XXX and #XXX bank statements | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has XXX years XXX months at current job. |
| 408073005 | Seller-paid fees, RE Commission (S), that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test/source it. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA for subject property and XXX months for other properties owned with $XXX in excess reserves. |
| 408073005 | LE XXX is e-signed; e-consent missing. Provide the e-consent. | 06/27/2022 Client provided accepted consent for both Borrowers on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current job for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA for subject property and XXX months for other properties owned with $XXX in excess reserves. |
| 408073015 | Final CD provided to borrower at closing is missing page 1. Condition is pending receiving a complete disclosure. | 07/15/22 Client provided all pages to the CD signed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in same profession<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408073015 | Note is missing the signature page 3 to verify execution. | 7.18.2022 Client provided full complete executed Note by both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in same profession<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408073015 | Note in file is missing page 3 . | 7.18.2022 Client provided full complete executed Note by both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in same profession<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408073031 | Zero tolerance of $XXX due to addition of Inspection fee of $XXX on XXX, then increased to $XXX on XXX. Increase of Tax Service fee from $XXX to $XXX on XXX and addition of CDA fee of $XXX on XXX all missing valid reasons for increases on COC's. Provide valid reasons for the additions and increases to these fees after initial disclosure or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | 09/29/2022 Client provided COC XXX reflecting increase of appraisal fee to $XXX is due to unique/complex property and limited comps available. COC XXX reflecting re-inspection fee, Tax Service fee increase due to Borrower requested Program change. Condition remains. Retesting results in Zero tolerance of $XXX. Provide A valid reason for the addition of the CDA fee on LE XXX as COC XXX does not include reason or PCCD with cure, copy of cure check. LOE to Borrower and evidence of delivery. 10/18/22 Client provided a XXX Post CD with PR cure, LOE and payment history reflecting the $XXX deposit. Condition remains for the delivery method of the Post CD/LOE.10/19/22 Client provided the Tracking showing delivery on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073031 | Regarding Primary PITIA on property: XXXREO shows no mortgage apply for this property and reflects $XXX for taxes/hoi/hoa and 1008 reflects P & I payment of $XXX+ $XXX for total PITIA of $XXX; provide the following: (1). Updated 1003, REO to reflect MTG lien of $XXX; currently box is checked stating no mortgage applies for this property (2). Missing the conversion for loan file to support the total of $XXX P & I and $XXXX for taxes/hoi/hoa | 10.13.2022 Client provided updated 1003 reflecting XXX MTG P&I of $XXX along with $XXX (taxes/hoi/hoa) and provided conversion of mortgage P&I along with taxes/hoi/hoa supporting P&I of $XXX and $XXX (taxes/hoi/hoa) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073043 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months PITI or Cash Reserves $XXX |
| 408073051 | Provide the FMV Affidavit with the Lender Rep Signature. | 07/12/22 Client provided the FMV Affidavit signed by Lender at Closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX below guide of XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: significant time in profession of XXX |
| 408073053 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073053 | Short funds to close in the amount of $XXX | 7.22.2022 Client provided Lender LOX stating to see fully explained 1008 in file regarding funds to close. Response, with review of lender 1008 stating funds to close coming from new simo heloc $XXX which is documented in file and funds reflected on subject CD, and $XXX coming from current residence credit line (missing evidence of receipt of funds) and an additional $XXX coming from secured business line of credit which is attached to commercial property (missing evidence of receipt of $XXX funds). Condition remains for evidence of receipt of $XXX Heloc funds and $XXX Heloc funds and provide bank statement evidence of clearing of EMD $XXX. Upon receipt and review calculation of liquid funds to close to be reviewed. 7.26.2022 Client provided wire of funds of $XXX and wire transfer of funds of $XXX and provided duplicate (in file) copy of EMD check of $XXX however missing clearance of these funds. Condition remains for the following: (1). wire of funds of $XXX unknown what this wire is for (2). provide bank statement verifying clearance of EMD $XXX(check #XXX) (3). wire of $XXX appears to have come from business line of credit, will need to verify there is no monthly payment that need to be included in subject DTI and (4). did not receive the $XXX HELOC funds (that came from primary HELOC). 7/27 Located in file page 165 is verification of EMD cleared in the amount of $XXX, located in file is modification of departing residence payment now $XXX included in PITI, received wire for HELOC new simo closing added payment to new current loan DTI XXX%, still missing evidence of $XXX wire from departing primary residence. 8/18 Wired funds to closing verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073053 | Insufficient reserves, missing evidence of PITI for additional properties XXX, XXX and XXX, unsure total amount required | 7.22.2022 Client provided Lender LOX stating file have all the info documents which is being requested for in the original package. Response, MTG statement was located in file for XXX for P&I of $XXX on primary home: XXX and HOA $XXX and HOI $XXX and taxes $XXX; condition remains, please provide MTG statement verifying PITIA (P&I, hoi, etc) monthly payments on other two properties: XXX and XXX. Upon receipt and review reserves calculation is required. Note: taxes on other two properties: XXX and XXX were found in file. 7.26.2022 Client provided LOX stating XXX mortgage history print out statement showing loan started XXX etc, however did not provide the documents and for XXX the collateral on the mortgage statement for XXX is listed as XXX these are one the same and provided copy of map quest however still missing the Mortgage statement verifying the PITIA payment. Condition remains for mortgage statement verifying PITIA payment on both properties: XXX and XXX. Upon review and finalized PITIA payment, calculated reserves for REO is required. 7/27 Client provided LOX still missing PITI for XXX and XXX, verified reserves of $XXX required reserves if doubled due to business funds are $XXX, conditions remain7/28 Client provided 1. XXX statement with LOX for XXX/XXX with a PI payment of $XXX plus taxes of $XXX still missing evidence of Insurance for XXX/XXX 2. Client provided XXX statement for XXX property with PI $XXX plus taxes of $XXX still missing evidence of insurance for XXX DTI and reserves are subject to recalculation upon review of Insurance payments for each property 7/28 Client provided an Email that Insurance is not required for commercial properties paid by the Bus and reserves are not required for commercial REOS; Response agreed; However the required reserves are XXX months PITIA for the subject property plus XXX months for XXX = XXX months PITIA $XXX plus XXX months reserves for 1 REO $XXX x XXX= $XXX for a total of $XXX x XXX for use of Business assets = $XXX required and verified is $XXX; shortage remains $XXX8/9 Client provided an Email chain regarding a settlement statement; no additional assets were provided; condition remains 8/15 Client provided a proposed CD dated XXX for the sale of XXX; CD is post close dated and unsigned; Condition remains for sufficient assets dated prior to close for reserves; shortage remains $XXX8/18 Client provided the signed CD for the sale of XXX dated XXX with proceeds to seller of $XXX; sale proceeds were received post close XXX; condition remains for sufficient assets dated prior to close for reserves; shortage remains $XXX8/18 Client provided an approved exception to allow the file with reserves of $XXX | xxx final grade is B; verified reserves exceed XXX% of required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073053 | Missing mortgage statement to verify PITI for XXX, XXX, and 2nd lien and taxes for XXX | 7.22.2022 Client provided Lender LOX stating file have all the info documents which is being requested for in the original package. Response, MTG statement was located in file for XXX for P&I of $XXX on primary home: XXX and HOA $XXX and HOI $XXX and taxes $XXX; condition remains, please provide MTG statement verifying PITIA (P&I, hoi, etc) monthly payments on other two properties: XXX and XXX. Note: taxes on other two properties: XXX and XXX were found in file.7.26.2022 Client provided LOX stating XXX mortgage history print out statement showing loan started XXX etc, however did not provide the documents and for XXX the collateral on the mortgage statement for XXX is listed as XXX these are one the same and provided copy of map quest however still missing the Mortgage statement verifying the PITIA payment. Condition remains for mortgage statement verifying PITIA payment on both properties: XXX and XXX. 7/28 Client provided 1. XXX statement with LOX for XXX/XXX with a PI payment of $XXX plus taxes of $XXX still missing evidence of Insurance for XXX/XXX 2. Client provided XXX statement for XXX property with PI $XXX plus taxes of $XXX still missing evidence of insurance for XXX DTI and reserves are subject to recalculation upon review of Insurance payments for each property 7/28 Client provided an Email that" both REOs are commercial properties and Insurance and Reserves for each is not required | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073053 | Missing XXX 1040 transcripts | 7.22.2022 Client provided duplicate (in file pg 829) 1040 XXX Transcripts however initial condition is for XXX 1040 transcripts and provided Form 9325 stating XXX 1040 personal return was accepted on XXX. Condition remains for 2021 1040 Transcripts7/26 Client requested a review; upon review the file has the 2019/2020 1040 transcripts and the 2021 "evidence not filed" with copy of extension; The extension indicates $XXX taxes are due upon extension; provide evidence the taxes are paid 7.26.2022 Client provided 2021 1040 Transcripts and loan file have the 2021 1040 personal returns, condition remains for evidence of taxes that were paid with 2021 1040 tax returns. 7.26.2022 Client provided LOX stating IRS payment of $XXX is reflected on borrower personal bank statement. Response, Agree located in file (pg 191) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073053 | File contains only 1 Amendment page of the Sales Agreement. Provide the fully executed Sales Agreement with all pages/amendments. | 7.22.2022 Client provided fully executed sales agreement with all pages/amendments for sales price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073057 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test/source it. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 3 at current employment for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history for all borrowers<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years |
| 408073057 | Missing VOR for B3 XXX | 7.21.2022 Client provided copy of verification of satisfactory rental history for B3 current housing along with copy of the executed lease agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 3 at current employment for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history for all borrowers<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years |
| 408073057 | Missing final settlement statement for sale of departing residence XXX XXX XXX | 7.21.2022 Client provided executed final HUD-1 from sale of property: XXX XXX XXX with payoff of existing lien and borrower netting $XXX Note: property sold over 1 month ago from subject closing, verified in file $XXX given to subject title company for funds to close, only using $XXX from this sale due to being over 1 month ago. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 3 at current employment for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history for all borrowers<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years |
| 408073057 | Subject consists of XXX acres, exceeding client guidelines of 40 acres max. Further, the land value ratio represents XXX % exceeding XXX % maximum. Some agricultural and or prospective income producing uses from the extensive equine facility are noted; however appears vacant at time of appraisal inspection. | 7.21.2022 File have an exception approved in file however the top portion of the exception approval not completed. Waiver not applied appears to be for this condition however missing a completed copy of exception approval.7.21.2022 Client provided exception approval for subject acres of XXXX exceeding guidelines maximum of 40 acres | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 3 at current employment for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history for all borrowers<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment over XXX years |
| 408073069 | Seller paid title fees for Doc prep $XXX, Settlement $XXX, and Tax Cert $XXX found on the Seller CD were not found on the Final Borrower CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073069 | DTI XXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073081 | The Seller CD includes additional closing costs, including RE Commission fees, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 whole CBR |
| 408073081 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 whole CBR |
| 408073081 | Final XXX CD: No selection was made on page 4 for why borrower did not Escrow. Provide an LOE and corrected Post CD that includes this selection. | 07/20/22 Client provided page 4 of a Post CD printed on XXX that shows the Escrow Account correction. Condition remains for the full copy of the XXX Post CD (including all pages) and the LOE to borrower.07/21/22 Client provided the XXX Post CD correcting error and LOE to borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 whole CBR |
| 408073081 | Note date XXXB1 Voe: XXXB2 Voe: XXXboth > XXX business days | 7/14/22 Client provided exception for: Verbal verification of employment or third-party verification of XXX provided post-closing or outside XXX or XXX days pre close | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work B2: XXX years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 whole CBR |
| 408073084 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073091 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B3 at job since XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: B3 and B4 XXX years at residence |
| 408073093 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x 9 = $XXXXXX Call XXX $XXX x 3 = $XXXXXX XXX $XXX x 3 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV |
| 408073093 | DTI XXX% | 7/19 Client provided 2019 business returns for both businesses, DTI XXX%, | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXXif DTI over XXX% is accurate | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x 9 = $XXXXXX Call XXX $XXX x 3 = $XXXXXX XXX $XXX x 3 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV |
| 408073093 | Provide VVOE for B1 from XXX & XXX dated within XXX business days prior to note date | 7/8 Client provided a VOE dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x 9 = $XXXXXX Call XXX $XXX x 3 = $XXXXXX XXX $XXX x 3 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV |
| 408073093 | Provide XXX Transcripts. If XXX Transcripts cannot be provided then provide XXX 1040's and XXX Business Returns from XXX XXX and XXX XXX. XXX rental and business income were used therefore XXX Transcripts would be required. If provided XXX documents then income will need to be recalculated. Additional conditions may apply | 7/8 Client provided duplicate XXX 1040 transcripts; condition remains 7/11 Client provided 19 transcripts, still missing 19 1040's and 19 business returns for XXX XXX and XXX XXX7/12 Client provided a rebuttal, however condition remains7/19 Client provided 19 business returns for both XXX and XXX however still missing fully executed business returns and still missing XXX 1040's7.26.2022 Client provided executed 2019 business returns for: XXX and XXX and provided completed copy of XXX 1040 personal returns (due to XXX 1040 Transcripts not being available), condition remains for Lender updated Cash Flow analysis with using 2020/2019 average income, appears income previously used was XXX/XXX (XXX 1040 transcripts not available), so average of XXX/XXX income is required. Condition remains for Lender updated cash flow income analysis for XXX/XXX for both businesses. Upon receipt and review, income DTI to be finalized. 8/1 Client provided an approved exception to allow the XXX income without the XXX transcripts | xxx final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX Verified $XXXSubject: $XXX x 9 = $XXXXXX Call XXX $XXX x 3 = $XXXXXX XXX $XXX x 3 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV |
| 408073096 | Zero Tolerance testing failed by $XXX due to the increased Appraisal Fee on the XXX LE without a valid change Reason on the COC. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 07/28/2022 Client provided PCCD XXX with cure, copy of cure check, LOE and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073096 | Subject property is Primary Purchase however Flood insurance (pg 545) and HOI (pg 579) reflects policy as fair rental coverage and stating subject building as a rental property Yes. | 7.28.2022 Client provided updated HOI and Flood Policy with removing fair rental coverage and Flood stating No as rental property, accepting changes on policy and loan file have an Occupancy affidavit signed by borrower as Primary | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073100 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXX Required: subject 2nd home, XXX months PITIAREO: XXX months PITIAMet<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: B1 XXX years at primary residence |
| 408073101 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at current employment for XXX years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Good credit history<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good current and previous mortgage history |
| 408073122 | Missing proof of payment amount for HOA dues for other REOs or proof of no dues. XXX and XXX. | 8.5.2022 Client provided (duplicate in file pg 474) owner HOA statement verifying monthly HOA $XXX on properties: XXX which is also supported on Schedule E 2021/2020 personal returns (pg 550) and Schedule E 2021/2020 reflects no monthly HOA on other property XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job XXX years |
| 408073122 | DTI>XXX% on a 2nd home property. Exception approval provided however pending documentation. | 8.5.2022 Client provided exception approval for DTI of XXX% exceeding guidelines maximum of XXX% on Second Home | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job XXX years |
| 408073122 | 1. Asset depletion income for borrower < XXX and less than $XXX liquid assets.2. Use of projected income for co borrower on 2nd home.Exception approval provided however outstanding documentation pending. | 8.5.2022 Client provided exception approval for (1). asset depletion income for borrower < XXX and less than $XXX liquid assets (2). Use of projected income for B2 on 2nd home | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-Borrower has significant time at current job XXX years |
| 408073124 | The Disclosure Tracking Summary reflects, the revised CD XXX was sent and received by Borrower but not in file. Condition is pending receiving revised | 08/12/22 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073124 | Affidavit of Fair Market Value not signed by lender | 08/12/22 Client provided the FMV Affidavit signed by the Lender Rep at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073124 | $XXX zero tolerance due to increase in discount rate. Provide missing CD XXX, or corrected PCCD, copy of refund check, LOX and verification of shipping. Additional Conditions may apply. | 08/12/22 Client provided the missing XXX CD with COC to validate the Points increase. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073124 | Borrower owns XXXX financed properties. Max is 4. Exception approval in file however missing 2 years tax transcripts as required by G/L for using rental income from Tax Returns | 8/12 Client provided the 2020/2021 1040 transcripts; Approved Exception applied | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073124 | Missing 2 years tax transcripts as required by G/L for using rental income from Tax Returns | 8/12 Client provided 2020 and 2021 1040 transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073126 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073131 | Lender on 1003 and Note is XXX. #XXX. When #XXX is input it only comes up XXX with no other legal names and with XXX as a prior legal name. When doing a search of XXX it only comes up with XXX with XXX as a PRIOR legal name. | 8.18.2022 Client provided LOX asking for review. Response upon review appears #XXX NMLS belonging to XXX and Loan originator information name is XXX, due to being a division of XXX accepting as is and Loan officer NMLS he is eligible/authorized under XXX. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject. $XXX x XXX= $XXXXXX. $XXX x XXX= $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073131 | Per 1008 Borrowers PITIA payment for primary at XXX is $XXX/month. Review verified $XXX/month ($XXX/PITI; $XXX/2nd; $XXX/HOA). Provide LOE and/or documentation of the difference. Using review PITIA leaves a DTI variance over XXX%. | 8.18.2022 Client provided updated 1008 with borrower primary PITIA payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject. $XXX x XXX= $XXXXXX. $XXX x XXX= $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073149 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073149 | VVOE in file reflects borrower as CEO; missing evidence if borrower have any ownership with current employment | 8.25.2022 Client provided VVOE email from employer borrower does not have any ownership with current employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073149 | Borrower lives and works in Australia and is paid in Australian dollars. Borrower files US tax returns. Borrower has file 2019/2020/2021 - the tax transcripts for 2021 is not available due to very recent paper filing. Exception approval in file to use 2019/2020 IRS tax returns and corresponding transcripts for income validation and calculation purposes. Waiver not applied, exception do not reflect approved. No status on exception Note: Lender Income used for qualifying is average of 2020/2019 w2 income for monthly income of $XXX | 8.23.2022 Client provided LOX stating the exception that was previously reviewed on this loan file was cancelled due to file having the 2021 signed return, and seller utilizing income from 2020/2019 returns/transcripts. Response, upon review of file having 2021/2020/2019 1040 personal returns and 2020/2019 1040 Transcripts and 2021 appears to be under extension, in addition file having Written VOE from employer along with conversion of Australian dollars per the written voe converted to US dollars (pg 547, 1355), income used for qualifying is supported with 2020/2019 average or by using written voe, YTD paystub. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073149 | File have 2021 transcripts no record, along with 2020/2019 1040 transcripts. Provide 2021 transcripts or copy of 2021 extension | 8.22.2022 Client provided LOX stating: 2021 Signed Tax Return in Loan File. Exception was cancelled b/c we had Transcript showing no record but had the signed 2021 Return, and income from 19/20 only be utilized. Response, Agree file have 2021 signed 1040 tax returns and 2021 transcripts showing no record, Note date is XXX which would require 2021 income to be validated unless under an extension. However with review of the 2021 1040 no record transcripts it reflects Code: 460 extension of time to file tax returns ext. date 10.15.2022 and shows code 670 payment $XXX and $XXX payment for total payment of $XXX which is what is reflected on the 2021 1040 tax returns (pg 339), IRS payment receipt $XXX & $XXX (pgs 550/551) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months |
| 408073156 | Upon re-review of assets, it appears there is a $XXX HELOC on departure home with monthly payment of $XXX; which is reflected under the liabilities, however need to also be reflected under the REO for departure home property. Provide updated 1003 including HELOC w/XXX in the amount of $XXX and payment $XXX | 8.12.2022 Client provided updated 1003 with adding new HELOC w/XXX on REO for departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B1 XXX years at current employment<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX and XXX months good mortgage history |
| 408073156 | The Seller CD reflects additional closing costs, including RE Commission fees, that were not disclosed on the Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B1 XXX years at current employment<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX and XXX months good mortgage history |
| 408073156 | Zero Tolerance testing failed by $XXX due to the Appraisal Fee increase on the Revised XXX LE. COC does not provide a valid reason why this charge increased. Provide borrowers with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 08/10/2022 Client provided COC XXX along with Notes regarding appraisal and increase on XXX due to Complexity. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B1 XXX years at current employment<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX and XXX months good mortgage history |
| 408073156 | Missing VOE for employment with XXX | 8.11.2022 Client provided VVOE from new employment: XXX verifying borrower start date will be XXX(Note date XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B1 XXX years at current employment<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX and XXX months good mortgage history |
| 408073156 | Missing verification of income from XXX in the amount of $XXX | 8.11.2022 Client provided executed by borrower and employer Offer Letter of new employment w/XXX start date of new employment XXX with Note date XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B1 XXX years at current employment<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX and XXX months good mortgage history |
| 408073168 | Zero tolerance testing failed by $XXX due to the increased Appraisal Fee on the XXX LE without a valid Reason listed on the XXX COC (Reason lists Complexity, however Complexity was already another Reason given on the prior XXX COC for the first Appraisal increase). Also, the Discount Points increased on the XXX CD, however the XXX COC only states Borrower Request as the Reason. It's unclear what was requested to justify the increase to the Points. No cure was provided at Consummation. Provide borrowers with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 08/24/22 Client provided a duplicate copy of the XXX COC. Condition remains. The COC states Revisions requested by the Consumer, Discount Points have changed. This does not provide an explanation for what the borrower requested that would cause the Points to increase. Also, the Appraisal Fee increased on the XXX LE without a valid Reason listed on the XXX COC (Reason lists Complexity, however Complexity was already another Reason given on the prior XXX COC for the first Appraisal increase).08/30/22 Client provided an Email LOE from the Lender stating 2 Appraisals were ordered due to the loan amount over XXX and both appraisers countered with a higher fee due to complexity. Also, the points increased XXX due to the rate lock extension (per the LE, lock expired XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073168 | Ten Percent tolerance testing failed by $XXX due to the increased Recording Fee on the XXX CD without a valid Reason listed on the XXX COC. No cure was provided at Consummation. Provide borrowers with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 08/25/22 Client provided an XXX Post CD with $XXX cure, LOE and shipping label. Tracking shows only the label has been created. Condition remains for a copy of the refund check and proof of shipment.08/30/22 Client provided a copy of the refund check, and re-tracking confirms shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073168 | The earliest E-Consents in file were accepted on XXX for B1 and XXX for B2. Prior LE's dated XXX, XXX and XXX were e-signed by both borrowers. Provide the E-Consents on/before XXX for both borrowers. | 08/24/22 Client provided the initial E-Consents for both borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073168 | VOE in file for B2 does not reflect start date; required per guidelines, please provide VOE meeting guidelines | 8.26.2022 Client provided XXX website for B2 employment however initial condition is for: VOE in file for B2 does not reflect start date; required per guidelines, please provide VOE meeting guidelines 8.26.2022 Client provided VVOE dated XXX for B2 with employment start date | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073183 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073183 | Provide Final/Signed HUD for sale of XXX | 8.24.2022 Client provided executed final HUD-1 settlement statement from sale of property: XXX with payoff of existing lien and borrower netting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073183 | Provide LOE from B2 regarding job gap over 30 days per 1003. XXX from XXX and starting XXX on XXX | 8.19.2022 Client provided previous VVOE w/XXX email verifying employment dates from XXX however 1003 had ending XXX; appears no 30 day gap, and provided updated 1003 to reflect correct previous employment dates | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073186 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073191 | LE issued XXX has evidence of e-signature. File is missing an E-sign Summary consent for this package. (eSign Process Summary reports indicate only "Per Package" consents). | 09/13/22 Client provided the XXX eSign Process Summary that reflects e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073218 | Zero tolerance of $XXX due to increase of Appraisal fee by $XXX and Discount Points by $XXX on CD XXX with no COC in file for changes. Provide COC with valid reason for increases in these fees of PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | 08/17/2022 Client provided COC XXX reflecting change in loan amount with increased LTV resulting in pricing changes. Also provided PCCD XXX reflecting Lender credit cure added of $XXX. Condition remains for copy of cure check, LOE to Borrower and evidence of delivery via tracking.08/19/22 Client provided a copy of the XXX PCCD along with the LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408073218 | Subject Purchase Primary (XXX) is next door from borrower current primary home (XXX). Provide satisfactory explanation from borrower regarding subject being primary home. Note: Full PITI on departure home is included in DTI and file have an new executed Lease agreement (appears to be month to month, do not reflect a lease term dates) | 8/16 Client provided acceptable letter of explanation to home next door | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408073218 | (1). Missing Terms of 401k and (2). Missing Letter from Title Company Holding wire total of $XXX | 8/16 Client provided terms of 401K, still missing letter from title company holding wire total of $XXX8/18 client provided letter from title company to confirm they held the funds for purchase of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408073218 | This condition is regarding other OT income of $XXX with review of Written VOE this is all under Other Income, file also have end of year 2021/2020 paystubs however don't reflect as being overtime income. Employer to verify all other income is Overtime income, however per end of year 2021/2020 paystubs don't appear to be OT income. And YTD paystubs don't appear to reflect all the same other earnings as the prior years and other income appears to be restricted stocks. Other income still under review, subject to calculation | 8/16 Client provided written verification of income and evidence other income is restricted stock, missing 52 week average8.16.2022 Client provided current stock price dated XXX with Note date XXX; per guidelines two year average of prior income received should be used, with using a stock price based on the lower of the current stock price or the 52-week average for the most recent twelve months reporting at the time of application. Stock price provided is dated after subject transaction. Condition remains (1). missing lender calculation of this other RSU income per the stock price (worksheet in file reflects average of OT which income is not OT) and (2). provide current stock price and the 52-week average to determine the lower of the two that needs to be used AND must be the most recent twelve months reporting at the time of application (application date XXX). Upon receipt and review, income calculation is required. 8.18.2022 Client provided stock price dated today's date XXX with Note date XXX and application date XXX; Response, prior requested documentation still required. Per guidelines two year average of prior income received should be used, with using a stock price based on the lower of the current stock price or the 52-week average for the most recent twelve months reporting at the time of application. Stock price provided is dated after subject transaction. Condition remains (1). missing lender calculation of this other RSU income per the stock price (worksheet in file reflects average of OT which income is not OT) and (2). provide current (at time of application) stock price and the 52-week average to determine the lower of the two that needs to be used AND must be the most recent twelve months reporting at the time of application (application date XXX). Upon receipt and review, income calculation is required. Note: looks like this post close stock price have time period of stock prices from XXX - XXX; still missing Lenders calculation of RSU income based on the lower of 52 week average or current stock price AND missing 52 week average price for the most recent twelve months at application. 8.19.2020 Client provided lender RSU income calculation, DD firm calculation of RSU income of $XXX(worst case) for a DTI of XXX% (using perf shre awd and restricted stk 2021/2020 average, supported with YTD amounts) supported with vesting schedule of future stock earnings and stock price. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408073218 | Missing 2021/2020 transcripts, none in file | 8/16 Client provided 19, 20 and 21 transcripts | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements |
| 408073219 | Some pages not legible.Provide all pages, legible, for XXX CBR report and for XXX CBR updateMay be subject to additional conditions upon review | 8.23.2022 Client provided legible copy of credit report dated XXX and supplement report 8.9.2022; updated DTI is XXX% within guidelines of XXX% and Lender DTI is XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073220 | Per the IDS Tracking and XXX Report, a Revised LE was Issued on XXX (Rate Lock Agreement from XXX in file). Provide the missing XXX LE for further testing. | 08/30/22 Client provided the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject: XXX months PITIA: XXXXXX months PITIA for XXX REO: XXXTotal required: XXX, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073220 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject: XXX months PITIA: XXXXXX months PITIA for XXX REO: XXXTotal required: XXX, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073220 | Per the IDS Tracking and XXX Report, an Initial CD was Issued on XXX. Provide the missing XXX CD for further testing. | 08/30/22 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject: XXX months PITIA: XXXXXX months PITIA for XXX REO: XXXTotal required: XXX, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073220 | Per the IDS Tracking and XXX Report, an Initial CD was Issued on XXX. Provide the missing XXX CD for further testing. | 08/30/22 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:Subject: XXX months PITIA: XXXXXX months PITIA for XXX REO: XXXTotal required: XXX, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073235 | Missing evidence rent deposit check was deposited to Bwr account to exclude the departure PITI | 8.1.2022 Client provided transaction bank history evidencing remote mobile deposit of $XXX initial rent check on XXX; departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage history paid as agreed |
| 408073235 | Not all required seller-paid fees were disclosed on the final CD. | satisfied | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage history paid as agreed |
| 408073235 | Gift funds not allowed at XXX% LTV; file has Gifts totaling $XXX | 8.3.2022 Client provided exception approval to allow for the gift of $XXX with an LTV exceeding XXX% (actual XXX% LTV) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage history paid as agreed |
| 408073235 | Missing evidence of Initial rent check deposited for departure home | 8.1.2022 Client provided transaction bank history evidencing remote mobile deposit of $XXX initial rent check on XXX; departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage history paid as agreed |
| 408073235 | Insurance verified is $XXX and required is $XXX; Provide additional coverage or provide the replacement cost estimate from the insurance company showing sufficient coverage exists | 8.2.2022 Client provided HOI estimated replacement cost worksheet with $XXX(estimated replacement cost), HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has XXX years at current job<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage history paid as agreed |
| 408073239 | Per the XXX Report, a Revised LE was delivered on XXX. Lender to provide the missing LE, if applicable. Unable to determine if this delivery date is for the XXX LE. | 09/07/22 Client provided the XXX COC, Lock, Tracking and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073239 | RE commission fee paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073239 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073239 | Unable to test a loan product due to missing initial CD in file | 08/30/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073239 | Missing revised LE XXX and initial CD XXX in file acknowledged by borrowers. Additional conditions may apply. | 08/30/22 Client provided the Initial XXX CD. Refer to CMPMAN2956 for the LE disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073239 | Provide third party executed Patriot Act forms for both borrowers | 8.30.2022 Client provided USA Patriot Act disclosure however still missing executed patriot act for both borrowers, with ID verification info. 9.8.2022 Client provided copy of B2 ID verification however still missing lender/closer executed patriot act for both borrowers. Condition remains9.8.2022 Client provided copy of B1 ID verification however still missing lender or closer executed patriot act for both borrowers9.8.2022 Client provided exception approval for missing executed patriot act form, with having a copy of both borrowers ID's | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job > XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073245 | HOI Binder effective date and expiration date are the same. XXX. Provide corrected expiration date | 9.1.2022 Client provided updated HOI policy with effective date XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073245 | Provide corrected 1008. Lender included $XXX/month in "all other monthly payments" when these debts are being paid off. | 9.1.2022 Client provided a snapshot of some guidelines (but do not appear to be current Client guidelines), these guidelines states revolving debt that will be paid off, but not closed, will require the current monthly payment, or XXX% of the current outstanding balance (if monthly payment is not included on the credit report) to be included in the long-term debt. Response, lender 1008 reflects these monthly revolving debts total of $XXX in their DTI and these debts were paid off. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073246 | Seller-paid fee that should be disclosed in Sections H is not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA is greater than the XXX months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program. |
| 408073249 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years in profession. |
| 408073252 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXX Required:Subject: XXX months PITI1 Financed REO: XXX months PITI1 free and clear REO: XXX PITIMet<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073255 | Not all required seller-paid fees were disclosed on the Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073255 | Credit supplement (pg 780) reflects two debts w/XXX $XXX a month and $XXX a month these two debts omitted from DTI, file have a copy of the Buyout and Keep agreement for these two debts (pg 1054, 1057). Verify omission of these debts | 8/18 Client provided wire transfers showing the debts were paid off XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073255 | B1 Patriot act reflects borrower birthday for expiration date. Provide updated executed patriot act for B1 | 8/22 Client provided the Patriot act information sheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073273 | Real Estate commission listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. Real Estate Commissions has been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score and XXX min<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage paid as agreed |
| 408073273 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score and XXX min<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Prior mortgage paid as agreed |
| 408073278 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections H are not disclosed on Final CD XXX; Seller's CD in file & able to test/source it. | (No Data) | Sourced on Seller CD. Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408073281 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years XXX in same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:subject : XXX months PITIAfinanced reo: XXX months PITIAfree and clear REO: XXMet |
| 408073297 | List of homeowners counseling organizations not in file | 08/19/22 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXyears |
| 408073297 | Zero tolerance was triggered due to missing COC/Lender's Rate Lock in file for added Appraisal Desk Review fee on LE XXX and increased Discount Points on the day of rate lock / LE XXX. Lender's credit for tolerance cure of $XXX was applied towards added Tax Service fee. Condition is pending receiving COCs for Appraisal Desk Review fee and Discount Points. | 08/19/22 Client provided the missing XXX and XXX COC's for the increased fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXyears |
| 408073297 | Final 1003 shows B2 as Permanent Resident Alien. Initial shows US Citizen. Either provide corrected Final 1003 or documentation related to citizenship | 8.18.2022 Client provided front and back green card for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXyears |
| 408073297 | XXX% DTI | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXyears |
| 408073297 | Provide YTD Paystub for B1 | 8/18 Client provided a YTD paystub for B1 supporting qualifying income | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXyears |
| 408073313 | Initial CD XXX is e-signed by non-borrowing spouse but no prior e-sign consent was found in file | 09/23/22 Client provided the NBS e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX months |
| 408073314 | Borrowers are using Gift Funds with LTV over 80%.Exception approval in file, however missing CDA | 9.8.2022 Client provided exception approval for gift funds used with LTV over XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has been with employer for over XXX years |
| 408073314 | B2 is a Permanent Resident Alien and has not been employed in the US for 2 years. Exception approval in file, however missing CDA | 9.8.2022 Client provided exception approval for B2 is a permanent resident alien with less than 2 years of employment in US | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has been with employer for over XXX years |
| 408073314 | XXX% LTV. Does not meet G/L.Exception approval in file however missing CDA | 9.8.2022 Client provided exception approval for LTV of XXX% with gift funds LTV over XXX% no gift funds allowed | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has been with employer for over XXX years |
| 408073314 | Provide CDA | 9.8.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B2 has been with employer for over XXX years |
| 408073315 | Neither the Final CD, Seller CD or Final ALTA reflect any RE Commissions paid to the Seller's RE Broker. The purchase contract did not specify if no commissions would be paid to the Seller Broker or not. Provide confirmation that no RE Commission was paid to the Seller's RE Broker. | 08/12/22 Client provided an Email LOE that includes a Seller response stating Per the SA, this is a limited service listing and there is no commissions due to the Seller's RE Broker. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years XXX months. |
| 408073323 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073323 | Zero tolerance in amount of $XXX due to added Condo Cert fee on LE XXX with no COC in file to support it. Lender's credit for tolerance cure was applied towards Appraisal fee increase. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 09/23/22 Client provided a XXX Post CD with increased cure, LOE, refund check and proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073324 | Provide supporting documents for subject property tax calculation of $XXX per month | 9.15.2022 Client provided duplicate (in file pg 1550) subject tax bill however does not support monthly $XXX per month (per 1008) and provided lender LOX stating they used mileage rate of XXX% for a monthly tax of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX verified reserves or XXX months PITI and XXX months piti plus XXX months for 1 REO is required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XX score exceeds XXX min |
| 408073324 | Provide supporting documents for subject property tax calculation of $XXX per month | 9.15.2022 Client provided duplicate (in file pg 1550) subject tax bill however does not support monthly $XXX per month (per 1008) and provided lender LOX stating they used mileage rate of XXX% for a monthly tax of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX verified reserves or XXX months PITI and XXX months piti plus XXX months for 1 REO is required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XX score exceeds XXX min |
| 408073328 | The Seller CD and Settlement Statement reflect an additional closing costs (Section C) that was not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers credit score XXX which exceeds guideline minimums |
| 408073328 | Borrower is a contract employee with his current contract ending XXX. Per guidelines income required to have a High probability of continuing for at least XXX. Lender approved exception located in file however not applied due to outstanding condition | 8.17.2022 Client provided exception approval for use of income where borrower is a contract employee with contract ending XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers credit score XXX which exceeds guideline minimums |
| 408073328 | Missing Flood Certification Document | 8.17.2022 Client provided flood certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers credit score XXX which exceeds guideline minimums |
| 408073334 | The Disclosure Tracking Summary reflects a XXX CD (Post) was delivered electronically. Provide the missing XXX CD for further testing. | 09/13/22 Client provided the XXX Post CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073334 | Provide the missing, Initial XXX CD, as disclosed on the Tracking Summary. Additional conditions may apply. | 09/13/22 Client provided the Initial XXX CD and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073334 | Provide the missing, Initial XXX CD, as disclosed on the Tracking Summary. Additional conditions may apply. | 09/13/22 Client provided the Initial XXX CD and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073337 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: borrower has XXX years same profession |
| 408073339 | Determine status upon review / receipt of missing PITI documentation for REO | 8.25.2022 Client provided XXX MTG statement for property XXX verifying PITIA payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence |
| 408073339 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence |
| 408073339 | XXX:1003 shows XXX as PITI, XXX statement for this property is 4 pages, with page 1 missing, unable to validate if PI or PITI. Provide missing page 1 and / or sufficient documentation supporting payment as PITI. Subject to DTI recalc and may be subject to additional conditions upon review. | 8.25.2022 Client provided XXX MTG statement for property XXX verifying PITIA payment of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence |
| 408073339 | B2 has RSU income not received for required 2 years (received YTD 2022 and 2021)\* Approved Client exception in file not yet applied due to :a. Open conditions, b. Reserves not met on client exception | 8.18.2022 Client provided exception approval for B2 RSU income not received for required 2 years (received 2022 and 2021); waiver not applied due to exception approval reserves minimum of $XXX however verified reserves are $XXXNote: difference in assets appears to be the XXX#XXX account, 1003 balance is $XXX and XXX balance is $XXX (per the Blend statement in file as of XXX pg 283)8.24.2022 Client provided updated exception approval with lower reserves of $XXX and Exception approval is for B2 have RSU income used for qualifying, not received for required 2 years (received YTD 2022 and 2021) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence |
| 408073350 | Missing Asset documentation to complete the ATR/QM review and render an accurate ATR/QM status. | 9/9 Client provided 2 months assets statements for each account | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | Initial CD XXX is e-signed by borrower however a prior e-consent is missing in file. | 09/12/22 Client provided a duplicate copy of the Blend Compliance Report, however Electronic Consent reflects Pending. Condition remains.09/16/22 Client provided the document audit report reflecting the e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | LE XXX is e-signed by borrower however a prior e-consent is missing in file. | 09/12/22 Client provided a duplicate copy of the Blend Compliance Report, however Electronic Consent reflects Pending. Condition remains.09/16/22 Client provided the document audit report reflecting the e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | Missing 2 months account statements for XXX#XXX to support the asset amount listed on 1003. | 9/9 Client provided 2 months assets statements for each account | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | Missing 2 months account statements for XXX #XXX. Only 1 statement in file dated XXX | 9/9 Client provided 2 months assets statements for each account | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073350 | Post-close assets of $XXX, or XXX months PITI, is less than the required reserves of $XXX, or XXX months PITI. | 09/01/2022 Client provided approved exception for reserves less than program minimum but with XXX$ required reserves. | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX. |
| 408073355 | Missing evidence of retirement for B1 in the amount monthly of $XXX | 9/22 The uploaded document could not be opened resend. 9/22 Client provided the B2 award letter for $XXX; Client also provided an LOX and statements, However, reviewer is unable to verify consistent monthly distributions of $XXX set up at least XXX months prior to note date; condition remains 9/23 Located in file XXX months bank statements that support withdraw from XXX per month, condition remains9/23 Client provided vanguard statement verifying distributions YTD as of XXX condition remains9/23/2022 client provided an approved waiver. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX |
| 408073355 | Missing sufficient coverage hazard insurance Minimum coverage is $XXX or evidence of cost of reconstruction | 9.20.2022 Client provided HOI XXX explanation of Coverage A on policy which is the protection to your dwelling/homes psychical structure and property is in Florida. Note: Actual coverage is $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX |
| 408073362 | Missing HUD from sale of departing residence, funds from sale applied to subject purchase and excluded from DTI. | 9.16.2022 Client provided an executed HUD-1 from sale of property:XXX however HUD-1 do not reflect a disbursement date, with review of file, subject final settlement statement (pg 463) reflect these funds of $XXX from sale of home on the subject HUD-1 this amount matches this sale of home HUD-1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX month<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years XXX month |
| 408073362 | Missing Patriot Act form for both borrowers. | 9/6 Client provided approved exception for missing patriot act for both borrowers | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX month<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years XXX month |
| 408073365 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXqualifying score |
| 408073367 | B2 received $XXX from Employer for Housing Allowance. This is a very large monthly increase. Provide letter from XXX that this is not a gift and does not have to be paid back. | 9.13.2022 Client provided Employer LOX email stating the maximum housing allowance amount that the borrower may claim for the entire year 2022 is $XXX; any amounts she receives over and above that are 1099-NEC taxable income. The $XXX check that she received is a component of that formula. It is not a gift and is not subject to pay back. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073367 | Provide VVOE for B2 dated within 30 business days of Note date stating B2's start date. | 9.13.2022 Client provided employer updated LOX dated XXX stating B2 start date of employment as of XXX within XXX days of Note date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073367 | Provide 2020 and 2021 1040's. B2 is a schedule C. Additional conditions may apply | 9.13.2022 Client provided (duplicate in file) 2021/2020 1040 Transcripts however initial condition is for the actual 1040 tax returns. Initial condition remains for the 2021/2020 1040 Personal Tax returns, upon receipt and review calculation of income is required. 9.15.2022 Client provided only pg 2 signature pages for 2021/2020 1040 personal returns however still missing complete 2021/2020 1040 personal returns for B2 Schedule C XXX, upon receipt and review calculation of income is required. 9.16.2022 Client provided 2021/2020 1040 personal returns for B2 supporting monthly averaged income of $XXX Schedule C | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073367 | Provide CDA | 9.13.2022 Client provided appears to have provided duplicate (in file) appraisal, initial condition remains for 3rd party CDA valuation supporting appraised value9.15.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has no lates on current or previous mortgages |
| 408073368 | The Title Commitment only reflects the T.42 Endorsement. Unable to locate any other document that confirms the T.42.1 Endorsement. Provide evidence of the T.42.1 Endorsement. | 09/06/22 Client provided a duplicate copy of the Title Commitment. Condition remains. The T-42 Endorsement was listed, but unable to locate the T-42.1 Endorsement.09/07/22 Client provided another copy of the Title Commitment and email from Lender stating they have a message from Title that states: Please note on page 15 the Rate Rule of 0876. This is the T42.1 endorsement. Condition remains. Provide further documentation to support Rate Rule 0876 coincides with the T.42.1 endorsement.09/12/22 Client provided the final Title Policy that reflects the T.42.1 endorsement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: significant commission and RSU income not used to qualify<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years XXX months same profession |
| 408073372 | Provide Cash Flow Analysis using most recent XXX months bank statements for XXX. Business account was used for EMD | 9/30 Client provided the income worksheet and rental income XXX File is still missing the UWs cash flow analysis of three months XXX bank statements #XXX showing the use of Bus funds has no negative impact on the business 10.3.2022 Client provided an LOX stating we did not perform a cash flow analysis for the $XXX EMD as the most recent year's Schedule C for this business reflects no expenses. Response, Condition remains for Cash Flow Business Asset Analysis using most recent XXX months bank statement for XXX, used for EMD. 10.5.2022 Client provided appears to be an Income Cash Flow analysis vs Asset Cash Flow Analysis, condition remains for Asset Cash Flow Analysis for business cover the XXX months bank statements for XXX10/7 Client provided Cash flow analysis for XXX | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073372 | XXX DTI | (No Data) | Additional LLPA may apply with DTI over XXX. Seller to confirm with XXX is accurate. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073372 | Provide copy of Security Deposit and evidence into bank account for XXX | 10.3.2022 Client provided duplicate (in file) XXX Form 1007 Comparable Rent Schedule to offset PITIA payment on departure home for negative net of XXX included in DTI. Security deposit is required if Lease agreement was being used | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score |
| 408073379 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months |
| 408073394 | Borrower is XXX% ownerYTD September XXX P/L in file (pg 744) currently don't support monthly qualifying income due to appears the Salaries and wages on this YTD XXX P/L some of these wages might be for borrower however currently do not state how much is for Officer compensation (our borrower), will need to verify if any of these wages belonging to our borrower, if none, than adjustment to income is required. | 10.21.2022 Client provided LOX stating XXX tax returns show Sunny as the only W-2 compensated officer, other partner with XXX ownership has not received W-2 wages, additionally bank statements show direct deposits supporting wages paid to borrower. net amount would be supporting the income used in qualifying of XXX. Response, Agree with your comments, however we still need to verify how much of the salaries and wages belonging to our borrower, in addition 1st pg of 1120S business returns do support paying out wages/salaries to other employees and the YTD XXX P/L states wages/salaries NOT Officer Compensation, condition remains for verification of our borrower YTD XXX P/L Officer compensation OR if there is a YTD paystub that borrower receives that will be sufficient as well, currently unable to determine YTD XXX income is similar to qualifying income without knowing how much is our borrower YTD XXX wages. 10/26 Client provided YTD pay stubs to support income used to qualify | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073394 | Receipt for HOC list in file dated XXX however, the actual list is missing. Provide missing Homeowners Counseling list | 11/01/2022 Client provided a list of 10 organizations. Condition satisfied | 11/01/2022 Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073394 | Zero tolerance of $XXX. Collateral Desktop Analysis fee added on LE XXX with no COC in file for change. Provide COC with a valid reason for added fee or PCCD with $XXXX cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | 11/01/2022 Client provided CD XXX with a copy of refund check in amount of XXX, LOE to borrower and XXX tracking label. Condition will be satisfied once package is in transit. 11/02/2022 XXX site shows as in transit, condition is satisfied | 11/02/2022 Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073394 | Lender using monthly taxes $XXX for subject however the appraisal has monthly taxes of $XXX; DD Firm DTI of XXXWill need appraiser clarification/verification on higher taxes | 10.21.2022 Client provided duplicate in file subject tax cert along with LOX stating Tax cert uploaded and supports the amount used in qualifying, CD also matches. Appraiser likely did not have the exact amount, we use the appraisal for an approximation but not for actual taxes when a tax cert is present. Note: if considered the taxes per the appraisal DTI would still be within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073394 | Borrower is XXX ownerYTD September XXX P/L in file (pg 744) currently don't support monthly qualifying income due to appears the Salaries and wages on this YTD XXX P/L some of these wages might be for borrower however currently do not state how much is for Officer compensation (our borrower), will need to verify if any of these wages belonging to our borrower, if none, than adjustment to income is required. | 10.21.2022 Client provided LOX stating XXX tax returns show XXX as the only W-2 compensated officer, other partner with XXX ownership has not received W-2 wages, additionally bank statements show direct deposits supporting wages paid to borrower. net amount would be supporting the income used in qualifying of XXX Response, Agree with your comments, however we still need to verify how much of the salaries and wages belonging to our borrower, in addition 1st pg of 1120S business returns do support paying out wages/salaries to other employees and the YTD XXX P/L states wages/salaries NOT Officer Compensation, condition remains for verification of our borrower YTD XXX P/L Officer compensation OR if there is a YTD paystub that borrower receives that will be sufficient as well, currently unable to determine YTD XXX income is similar to qualifying income without knowing how much is our borrower YTD XXX wages. 10/26 Client provided YTD pay stubs to support income used to qualify | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073394 | Missing lender 1008Note: DD Firm DTI is XXX% with using REO lease amount of $XXX for a negative net of XXX and appears lender might be using rental worksheet calculation from XXX personal returns for a negative net loss of XXX however no XXX year history and this property was borrower primary home XXX | 10.21.2022 Client provided Lender 1008 with DTI of XXX% and requested to use the lender negative net loss of XXX still is within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time XXX years) at current XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX |
| 408073404 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073409 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073413 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 XXX at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 XXX years at current employment<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% |
| 408073415 |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0 x 30 48 months |
| 408073416 | Zero tolerance in amount of $XXX due to added Appraisal Inspection fee on initial CD with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/03/22 Client provided the XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073416 | Initial CD XXX is e-signed by borrower but no prior e-sign consent found in file | 10/03/22 Client provided the e-consent for all parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073416 | Initial LE XXX is e-signed by borrower but no prior e-sign consent found in file | 10/03/22 Client provided the e-consent for all parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073416 | Provide the Title commitment | 9/30 Client provided the Title commitment | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073416 | Original appraisal is subject to completion; a 1004D provided shows living room still not complete; CTC is XXX; provide a 1004D showing al items are complete with photos of all completed renovations | 10.14.2022 Client provided 1004D with subject being XXX% complete, sheetrock work being completed, this condition satisfied due to appraisal was subject to remodel of living room and 1004D now shows living room being completed | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073416 | The appraisal is subject to completion of "remodel of living room" however the home appears vacant and photos appear to show renovations in process in Living room, Master Bedroom, Kitchen and Family room and bedroom photos; 1004D has photos of remaining repairs in the living room , but is missing photos of all rooms that were renovated. Additionally the comments are contradictory stating "the property has received average maintenance and is not in need of any immediate repairs", and then the next sentence says " Updated in the last three years include remodel of the living room, the subjects age is lower than the actual age due to the level of updating/upgrading and overall maintenance level" Appraiser needs to clarify if the house has been updated or is in the process of major renovations as the photos indicate and provide photos of completed renovations . | 10.14.2022 Client provided 1004D with subject being XXX% complete, sheetrock work in living are completed however still missing the initial condition request for: the home appears vacant and photos appear to show renovations in process in Living room, Master Bedroom, Kitchen and Family room and bedroom photos; 1004D has photos of remaining repairs in the living room , but is missing photos of all rooms that were renovated.10/17 Client requested a review; upon review the 1004D provided indicates the subject is XXX% complete but provided only photos of the exterior and the living room completed; The initial condition indicated "the home appears vacant and photos appear to show renovations in process in Living room, Master Bedroom, Kitchen and Family room and bedroom photos; 1004D has photos of remaining repairs in the living room , but is missing photos of all rooms that were renovated, the condition requested "Appraiser needs to clarify if the house has been updated or is in the process of major renovations as the photos indicate and provide photos of all completed renovations'. Client provided a 1004D with only photos of the living room complete. Provide a 1004D with photos of all rooms where work was previously evident (Living room, Master Bedroom, Kitchen, Family room and bedroom) with photos to show they are completed.10.18.2022 Client provided updated 1004D with appraiser commenting it is noted that only rooms that had been remodeled were photographed for the final inspection, many rooms were taped off with plastic to protect the owners belongings and to keep other areas of the home clean from excessive dust created during the remodeling process | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months verified PITIA reserves exceed XXX REO required |
| 408073428 | Per the Tracking and Compliance Ease Report, the Initial XXX Loan Estimate is missing from the file. Provide the Initial XXX LE for further testing. | 10/07/22 Client provided the Initial XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073428 | File contains only the Final XXX CD. Per the Compliance Ease Report, an Initial CD was delivered electronically on XXX. Provide the Initial XXX CD and Tracking that confirms delivery to both the Borrower and Non-Borrowing Title holder. | 10/07/22 Client provided the Initial XXX CD's with confirmed receipt via e-signatures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073428 | File contains only the Final XXX CD. Per the Compliance Ease Report, an Initial CD was delivered electronically on XXX. Provide the Initial XXX CD and Tracking that confirms delivery to both the Borrower and Non-Borrowing Title holder. | 10/07/22 Client provided the Initial XXX CD's with confirmed receipt via e-signatures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073428 | 10/07/22 Client provided the missing, Initial XXX CD's. The Non-Borrowing Title Holder e-signed the CD, however the file is missing a prior e-consent. Provide the e-consent for the Non-Borrowing Title Holder. | 10/11/2022 Client provided E-sign Process Summary dated XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073428 | Provide XXX 1040's and Tax Transcripts. XXX income was used | 10/5 client provided the XXX 1040s; missing the XXX Transcripts10.11.2022 Client provided XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073428 | Missing signed documentation that HELOC with XXX Bank of IN has been paid and closed to future draws | 10/6 client provided the signed Payoff and HELOC closure request | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI |
| 408073430 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXXRequired:XXX months +XXX for XXX = XXX PITIA for subject, and XXX for REO, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073430 | Initial CD issued XXX. Closing date XXX. No borrower's acknowledgement of initial CD at least 3 days prior to consummation provided in file. | 09/14/22 Client provided the e-signed copy of the Initial XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXXRequired:XXX months +XXX for XXX = XXX PITIA for subject, and XXX for REO, met<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073431 |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time in profession XXX years XXX months |
| 408073434 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX months current job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX current home |
| 408073453 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate) XXXCash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative Credit Score XXX |
| 408073458 | The Seller CD reflects additional closing costs, including RE Commission fees, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score is XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX |
| 408073458 | File contains only the Final CD. Per the Compliance Ease report, an Initial CD was delivered on XXX. Provide a copy of the Initial CD for further testing. | 09/23/2022 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score is XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX |
| 408073458 | File contains only the Final CD. Per the Compliance Ease report, an Initial CD was delivered on XXX. Provide a copy of the Initial CD for further testing. | 09/23/2022 Client provided missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score is XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX |
| 408073460 | Missing the Final HUD from the subject purchase and an Un frozen credit report with 3 scores | 9.19.2022 Client provided the additional signed final HUD-1 from purchase of subject property on XXX with no financing used, this is the same HUD-1 in file (pg 1348) but was missing the additional page with signatures. Condition remains still missing unfrozen credit report with 3 scores9.21.2022 Client provided updated credit report dated XXX with 3 fico scores | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073460 | Provide source of funds for subject Purchase on XXX; upon review Assets will be re-calculated and additional conditions may apply | 9.19.2022 Client provided the additional signed final HUD-1 from purchase of subject property on XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073460 | The Borrowers XXX credit report is Frozen; Provide an un frozen credit report with XXX scores | 9.21.2022 Client provided updated credit report dated XXX fico scores | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073460 | The HUD provided from the Purchase of the Property is not signed or marked final; For delayed Purchase guidelines require a signed or Final HUD showing No financing was used to obtain the subject property | 9.19.2022 Client provided the additional signed final HUD-1 from purchase of subject property on XXX with no financing used, this is the same HUD-1 in file (pg 1348) but was missing the additional page with signatures | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073461 | Determine status upon review / receipt of missing income docs | (No Data) | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073461 | Provide liquid asset statements, meeting guidelines, supporting borrower had required $XXX to close.May be subject to additional conditions upon review. | 9.29.2022 Client provided additional assets: XXX and XXX liquid asset account XXX statements; Sufficient funds to close met | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073461 | Per guidelines, provide XXX IRS 1040 tax transcriptsMay be subject to additional conditions upon review. | 9.29.2022 Client provided duplicate (in file) 1040 XXX Personal returns however initial condition is for the XXX 1040 Transcripts. Condition remains 9/30 Client provided XXX 1040 Transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073461 | Provide documentation supporting why below was not deducted from income:1120s: Page 1 Line XXXandMortgages / notes payable in < XXX yearSubject to income recalc and may be subject to additional conditions upon review | 9/29 Client requested a review; Upon review no mortgages payable in less than XXX year were found, $XXX non recurring income from 1120s reduced from each borrowers qualifying income; resulting DD DTI calculation is XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073461 | Provide Missing updated valuationValue not yet supportedMay be subject to additional conditions upon review | 9.29.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073466 | Determine status upon review / receipt of missing income docs | 10/6 Client provided the missing taxes supporting the qualifying income | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | Zero Tolerance testing failed by $XXX to the addition of 2nd Appraisal Fee and Increase of Appraisal Desk Review Fee without valid Change Reasons documented in the file. Lender to provide further details/explanation for these increases, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery via shipping that includes tracking information. | 09/28/22 Client provided a copy of the COC history. Condition remains. The reasons listed on XXX do not provide enough information/explanation for what exactly changed that would justify adding the 2nd Appraisal Fee and increasing the Appraisal Desk Review Fee. Lender to provide further details for review. Additional conditions may apply.10/04/22 Client provided their Lock Confirmation dated 8/16 and an Email LOE from the Lender explaining the addition of the 2nd Appraisal Fee occurred when the Investor changed. Condition remains for the $XXX tolerance violation for the remaining increase to the CDA Fee without a valid reason. Provide borrower with a XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information.10/06/22 Client provided a XXX Post CD with PR cure, LOE, tracking and payment history reflecting the $XXX curtailment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | Per final 1003, Rental income used for XXX1040 Schedule E states: 'Rental Properties'LOE in file insufficient to validate that 'rental properties' is XXX.Provide documentation required by guidelines supporting rental income specific to XXX.Subject to income recalc and may be subject to additional conditions upon review | 10.17.2022 Client provided LOX stating The last condition was tied to the rental property (duplex) showing in Schedule E that didnt reference a property address. CPA confirms the address and then leases to support (leases not required since tax returns used for income calculation) but used to support the amount for the gross rent on tax returns XXX references duplex but no address and XXX references rental properties but amounts are similar. Response, appears to be for this property XXX REO and LOX in file stating to confirm that the rental properties on line B of Sch E in XXX are for the duplex at XXX and provided copy of expired leases however leases not required due to being on the most recent tax returns. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | Borrower owns XXXProvide documentation supporting exclusion of losses from DTI/income calcMay be subject to additional conditions upon review. | 10/6 Client provided XXX Taxes for XXX with 1084 supporting income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | Provide XXX, meeting guidelines.XXXMay be subject to additional conditions upon review | 10/6 Client provided the XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | The revised appraisal on XXX provides copy of survey and confirms the subject site contains XXX acres. The survey shows XXX acres a XXX and XXX acres as Tract Two, both adjoined. As such, the acreage exceeds client eligibility guidelines of XXX acres maximum. Approved client exception in file not yet applied due to open conditions. | 10.17.2022 Client provided exception approval for subject acreage exceeding guidelines maximum of XXX acres | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073466 | The subject has oil / gas leases on title but is not connected to public water.Approved Client exception in file not yet applied due to open conditions. | 10.17.2022 Client provided exception approval for subject having oil/gas leases on title but is not connected to public water | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX months same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score |
| 408073477 | Provide evidence of cash to close Transferred from HELOC, and supporting documentation for HELOC payment calculation | 9.21.2022 Client provided copy of cashiers check in the amount of $XXX from HELOC along with HELOC credit line agreement, still missing lenders calculation of the monthly HELOC used and to be included in DTI. Condition remains 9/28 Client provided the HELOC payment calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence |
| 408073479 | The only CD in file is the Final CD XXX. Provide missing Initial CD for review. | 10/19/22 Client provided a XXX COC, e-consent and XXX Initial CD e-signed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073479 | The only CD in file is the Final CD XXX. Provide missing Initial CD for review. | 10/19/22 Client provided a XXX COC, e-consent and XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073479 | Credit Report dated XXX is greater than XXX from the Note dated XXX. | 10/14/2022 client provided an approved exception for Expiration of credit docs exceed guidelines (no greater than XXX days). | Condition waived. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073483 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% ,below the of max XXX% for 2nd homes<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408073483 | Provide missing updated valuationValue not yet supportedMay be subject to additional conditions upon review | 8/25 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX% ,below the of max XXX% for 2nd homes<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408073491 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job |
| 408073491 | Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXXXXX | 9/23/22 Client provided exception for: Reserves less than program minimum but within XXX% of required reserves | Required: XXX | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job |
| 408073491 | Drive report reflects REO's not disclosed on 1003:XXXProvide documentation supporting exclusion from DTI.May be subject to additional conditions upon review . | 9.29.2022 Client provided LOX stating these two properties belonging to the borrower father with the same name, in addition appears XXX is the XXX business address | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job |
| 408073491 | XXX 1040 Tax Transcripts in file.Per guidelines, provide most recent 2nd consecutive year, may be subject to additional conditions upon review. | 9.29.2022 Client provided duplicate income documents in file, XXX 1120S Business returns and XXX 1040 Transcripts no record and XXX 1040 Transcripts, still missing XXX 1040 Transcripts. Condition remains for XXX 1040 Transcripts Note: XXX borrower and income used for qualifying is XXX 9/29 Client provided an approved exception to allow the file without the XXX 1040 transcripts "since 1120S transcript provided for XXX validating income used for qualifying and XXX 1040 record for IRS shows amount paid to IRS as well. | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job |
| 408073493 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO of XXXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073495 | Provide VOE for B1 dated no more than XXX business days prior to Note date, voe's in file exceed this timeline.May be subject to additional conditions upon review | 10.27.2022 Client provided VVOE for B1 dated XXX (within XXX business days of Note date) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At job since XXX |
| 408073498 | Transaction is delayed financing, borrower acquired subject property XXX and VOR is in file dated XXX stating rented from XXX (XXX more months of renting), don't appear to have occupied subject as of yet (have owned now almost XXX months, over XXX days). However appraiser states Owner occupied but VOR states through XXX and 1003 says 1 month at subject address. Verify notice have been given to landlord to vacate. | 11.4.2022 Client provided Landlord LOX email verifying, stating borrower gave Notice to vacate on XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines |
| 408073498 | Missing executed Patriot Act | 11/2 client provided the Patriot act info form | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines |
| 408073498 | Transaction is Delayed Financing, borrower paid cash at time of purchase however subject Title commitment #XXX reflects a lien from prior owner (pg 1204), file have an LOX email from XXX Title (pg 704) stating this will be deleted on the marked-up commitment at closing. File is missing the final title with removal of this prior owner lien | 11/2 Client provided the marked up title removing the prior owners liens | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines |
| 408073503 | Borrower received HELOC funds of XXX which is currently in new savings account w/XXX (pg 330) will need to verify these HELOC funds from XXX svgs account were given to Title company towards closing.Per Guidelines: Borrowed Funds (secured or unsecured) are not allowed for reserves | 10.10.2022 Client provided LOX requesting second look at this asset condition and states its acceptable to place secured borrowed funds into a savings account as long as overall the borrower had their own reserves outside of these funds. Response, requesting for copy of cash to close wire verifying HELOC funds was used for subject down payment closing cost. 10.11.2022 Client provided LOX stating pushed back out to the seller and per seller HELOC funds are in a newly opened svgs account. In addition Client is accepting being in a svgs account with borrower having other verified assets that would cover the required reserves for transaction. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has significant time (XXX years) at current job |
| 408073503 | Missing 3rd party CDA valuation supporting appraised value Note: appears to have been provided in loan folder however unable to open. Please re-send | 10.10.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has significant time (XXX years) at current job |
| 408073505 | Verified reserves $XXX months and required reserves needed is $XXX short reserves Subject PITIA $XXX however not source and documented in file, and appears lender backed out of their assets (per 1008), and all other assets per 1003 have been verified and EMD not verified clearing statement, statement in file is prior to EMD given. | 9.21.2022 Client provided LOX breakdown of assets and now appears to not be backing out large deposits of $XXX and was also backing out the EMD, EMD have been added back to the asset balance, verified reserves are now $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional income (B2) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has significant time (XXX years) with current XXX |
| 408073505 | Missing Lender Cash Flow Analysis for B1 Schedule C income, not found in file | 9.21.2022 Client provided Lender Cash Flow Analysis for B1 Schedule C income calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional income (B2) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has significant time (XXX years) with current XXX |
| 408073505 | B1 is Schedule C/1099 paid XXXFile has business license dated XXX (over XXX days from Note date) and file have VVOE dated XXX (after Note date)Provide VVOE dated within XXX days of Note date | 9.21.2022 Client provided post close XXX business license dated XXX In addition provided exception approval for prior to closing XXX not within XXX days of Note and having post close XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: Additional income (B2) not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 has significant time (XXX years) with current XXX |
| 408073507 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.1. Provide HOI Binder for XXX 2. Provide copy of HOA dues for XXX. LOE in file from Borrower states no HOA on property, however the Schedule E on 1040's show Association Dues | 9.29.2022 Client provided HOI Policy Binder for XXX monthly HOI; condition remains for: Provide copy of HOA dues for XXX. LOE in file from Borrower states no HOA on property, however the Schedule E on 1040's show Association Dues10.11.2022 Client provided borrower LOX stating yes they do pay $XXX every XXX months that goes towards up keep of the parks and community center for a monthly of $XXX and Client provided updated 1003/1008 included this monthly fee of XXX in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX REO's are not financed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073507 | Provide the Seller CD. | 09/30/2022 Client provided missing Seller CD. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX REO's are not financed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073507 | Credit report is over XXX days from Note date | Auto waiver for credit docs over XXX days but within XXX | Credit report older than XXX days but within XXX days | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX REO's are not financed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073507 | 1. Provide HOI Binder for XXX2. Provide copy of HOA dues for XXX. LOE in file from Borrower states no HOA on property, however the Schedule E on 1040's show Association Dues | 9.29.2022 Client provided HOI Policy Binder for XXX monthly HOI; condition remains for: Provide copy of HOA dues for XXX. LOE in file from Borrower states no HOA on property, however the Schedule E on 1040's show Association Dues10.11.2022 Client provided borrower LOX stating yes they do pay $XXX every XXX months that goes towards up keep of the parks and community center for a monthly of $XXX and Client provided updated 1003/1008 included this monthly fee of $XXX in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX REO's are not financed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit Score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073515 | The Seller CD reflects additional closing costs that were not disclosed on the borrower's Final/Post CD's. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX required minimum |
| 408073515 | Zero Tolerance testing failed by $XXX due to the increased Appraisal Fee and CDA Fee without valid explanations on the XXX COC's. Lender to provide further details for review, or provide borrower with a XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 10/06/22 Client provided a XXX Post CD with PR cure, LOE and payment history reflecting the $XXX curtailment. Condition remains for the delivery method of the Post CD/LOE.10/12/22 Client provided the XXX document tracking confirming delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX required minimum |
| 408073515 | Insurance verified coverage is $XXX; Provide additional insurance coverage or provide a Replacement cost estimate from the Insurance company showing sufficient coverage exists | 10.5.2022 Client provided some loan documents however not pertaining to this condition, condition remains 10.12.2022 Client provided HOI estimated replacement cost, HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX required minimum |
| 408073522 | Determine Status upon review / receipt of CBR | 9.29.2022 Client provided credit report dated XXX agree with lender DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Per the Title, the Lender is the same as the Originator from the prior loan. ROR Form H-9 required. Lender used ROR Form H-8. | 09/26/22 Client provided an approved exception for the incorrect ROR form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Final XXX CD: No selection was made for why borrower did not Escrow (page 4). Provide a corrected Post CD with LOE to borrower. | 09/29/2022 Client provided PCCD XXX with correction along with email for LE and delivery. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Final XXX CD: No selection was made for why borrower did not Escrow (page 4) and Escrow Waiver Fee is blank. Provide a corrected Post CD with LOE to borrower. | 09/29/2022 Client provided PCCD XXX with correction along with email for LE and delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Unable to test due to missing CBR | 9.29.2022 Client provided credit report dated XXX along with credit supplement for an DTI of XXX agree with lender DTI. Tradelines met | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Provide missing credit report meeting guidelines,Subject to DTI recalc and may be subject to additional conditions upon review | 9.29.2022 Client provided credit report dated XXX along with credit supplement for an DTI of XXX% agree with lender DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | DTI (pending CBR) XXX | 9.29.2022 Client provided credit report dated XXX% agree with lender DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073522 | Provide Missing updated valuationValue not yet supported May be subject to additional conditions upon review | 9.29.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: At current job since XXX |
| 408073524 | Missing Form 1008. | 9.20.2022 Client provided lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI (Back) of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves of XXX months PITIA. |
| 408073526 | Verified $XXX is required. Previous with reconstruction cost from Insurance Company or additional coverage | 10.6.2022 Client provided subject HOI property coverage confirmation verifying estimated rebuilding cost of $XXX; HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months PITI. Reserves not required per LP<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073528 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months required<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer for over XXX years |
| 408073559 | Zero tolerance increase of $XXX due to Appraisal fee from initial LE XXX $XXX decrease to initial CD XXX and Appraisal fee added $XXX. No COC provided verifying increase or lender credit provided on final or PCCD. Condition pending receipt Post CD reflecting Lenders Cure, LOX, Refund of $XXX and Proof of Delivery. | 09/30/2022 Client provided missing Initial CD XXX and rate lock. Condition remains. No COC in file reflecting increase of Tax Service fee from $XXX to $XXX . COC XXX. There is no disclosure in the file reflecting this Point amount or rate. Please provide any missing Disclosures with COC reflecting these figures for review and testing as well as COC with valid reason for increase to Tax Service fee.10/04/22 Client provided a Revised XXX COC and XXX Loan Estimate. Condition remains. Lender to provide further explanation for the Tax Service Fee increase. Additional conditions may apply, including refund of $XXX to borrower.10/05/22 Client provided a screen shot from the Lender that includes the specific Program fee requirements and the lock history validating the date of the change. Review by internal Compliance will allow as support for the COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXXCash Reserves $XXX Exceeds requirements for subject, REO and departing residence |
| 408073568 | Per 1003s each Borrower has a XXX Retirement account, the file has only XXX investment accounts; Provide 2 months statements for each Borrowers XXX retirement account | 9/20 Client provided 2 months 401K statements for each borrower with sufficient assets | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score and XXX required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years and B2 has XXX years in same profession |
| 408073568 | $XXX or XXX months assets verified for reserves and required are XXX months PITIA for subject $XXX plus XXX months for 3 REOs $XXX x XXX = $XXX= $XXX total required - $XXX = $XXX. short reserves | 9/20 Client provided 2 months 401K statements for each borrower with sufficient assets | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score and XXX required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years and B2 has XXX years in same profession |
| 408073568 | File is missing Current stock price and 52 week average stock price used for RSU calculation | 9/20 Client provided current stock price as of XXX which is post close, (Note date XXX) and a print out of the daily stock price from XXX; Condition remains for the calculated average stock price for the 12 months prior to close and the current stock price at time of close used to qualify 9/26 Client provided Stock price used to calculate RSU future vesting XXX $XXX and 12 month historical average $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score and XXX required<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years and B2 has XXX years in same profession |
| 408073570 | (1). Gift Funds of $XXX reflected on subject Final CD however missing Gift letter(2). Regarding own XXX, will need to verify the EMD of $XXX came from borrower funds otherwise own XXX not met | 10.3.2022 Client provided Gift Letters $XXX both of these gifts, condition remains borrower own XXX into transaction not met. Note: Cash to close $XXX 10.3.2022 Client provided exception approval for borrower own XXX not met into transaction | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073570 | Credit report in file dated XXX are both illegible Provide legible copy of these credit reports | 10.3.2022 Client provided legible copies of credit report dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves $XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073574 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Provide XXX 1040's/Schedule C or XXX 1040/Schedule C with XXX Extension. Income will be recalculated once received. | 10.3.2022 Client provided some loan documents however still missing initial condition income documents 10.19.2022 Client provided unsigned XXX 1040's (including Schedule C) supporting monthly income used for qualifying, condition remains for (1) signatures for XXX 1040's and (2). copy of XXX Extension 10/26 Client provided XXX 1040's and XXX extension | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Copy of Note is cut off at the bottom of all pages. Provide a complete copy of the signed Note. | 10.3.2022 Client provided full complete executed Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Zero Tolerance testing failed by $XXX due to Discount Points added and Appraisal Fee increased with no COC in file. Condition pending receiving a valid Change of Circumstances, or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/24/22 Client provided the XXX COC for the Points (Locked loan), and a XXX Lender Credit cure for the Appraisal increase. Condition remains for the $XXX refund check, LOE to borrower and proof of delivery (The Final Settlement Statement in file confirms the $XXX was not provided to borrower at funding).10/27/22 Client provided duplicate copies of the XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Provide Ownership % of XXX. Funds from XXX Business Account were used for cash to close. | 10.3.2022 Client provided appears to be duplicate (in file) asset statements however still missing initial condition. Condition remains10/24 Client provided K1 for K1 for XXX owner | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Missing Gift Letter from Spouse. $XXX EMD came from Non Borrowing Spouse Business Account | 10.18.2022 Client provided duplicate gift assets (in file pg 254 - 271), however still missing gift letter from Non Purchasing spouse in the amount of $XXX receipt of funds to title company) 10/24 Client provided 2 consecutive statements form First Bank business account #XXX, borrower is a co signer to the account, not a gift , to use funds from a business, XXX months consecutive statements are required and a cash flow analysis is required, condition remains11/10 Client provided a gift letter for the XXX EMD from Non Bwr spouse bus account; although Bwr is a signer to the account No qualifying income was used from this Business therefore a Cash flow analysis is not required | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Provide VOR from XXX. Borrower does not have XXX months VOM | 10.3.2022 Client provided a VOR however does not appear to be for XXX, initial condition remains 11/10 Client provided a credit report VOR with dates matching the 1003 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | DTI XXX | (No Data) | Additional LLPA may apply with DTI over XXX. Seller to confirm with XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Provide XXX years most recent tax transcripts | 10.3.2022 Client provided some loan documents however did not provide the tax transcripts. Initial condition remains10.19.2022 Client provided 2020 1040 Transcripts, XXX years required. Condition remains for XXX 1040 TranscriptsNote: XXX 1040's were provided and appears XXX is under extension, was not provided in loan fileSeparate condition on file for copy of XXX Extension 10/26 Client provided XXX 1040's and extension for XXX 1040, still missing XXX transcripts11/3 Client provided XXX transcript | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Provide XXX 1040's/Schedule C or XXX 1040/Schedule C with XXX Extension. Income will be recalculated once received. Additional conditions may apply | 10.3.2022 Client provided duplicate (in file) XXX 1040's however still missing Either XXX 1040's (including Schedule C) and XXX Extension. Initial condition remains 10.19.2022 Client provided unsigned XXX 1040's (including Schedule C) supporting monthly income used for qualifying, condition remains for (1) signatures for XXX 1040's and (2). copy of XXX Extension 10/26 Client provided XXX 1040's including schedule C, and XXX | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Provide documentation that the $XXX Security Deposit for XXX has been deposited into borrowers bank account | 10.3.2022 Client provided duplicate (in file pg 417) copy of cashiers check stub for rental deposit of $XXX to our borrower from Lessee: XXX however missing borrower bank statement verifying deposited into bank account. Condition remains 10.18.2022 Client provided duplicate gift assets (in file pg 254 - 271), however still missing evidence of $XXX security deposit for XXX being deposited into borrowers bank account. Condition remains 10/24 Client provided 2 consecutive statements form XXX business account #XXX, still missing evidence of $XXX security deposit for XXX being deposited into borrowers account11/10 Client provided a bank statement with a $XXX deposit | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073574 | Missing CDA | 11/7 Client provided a CDA supporting the appraised value with a XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years |
| 408073583 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at departing residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves verified XXX months - Met |
| 408073583 | All CDs in Section Contact Information - reflect RE Broker for Seller is FSBO, but Seller CD and Settlement Statement Reflect payment to Seller's RE Broker. Provide Corrected CD with Seller's RE Broker's information along with proof of delivery via shipping that includes tracking information. | 10/20/22 Client provided a 10/19 Post CD adding the Seller Paid Commission fee. No additional correction needed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at departing residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves verified XXX months - Met |
| 408073583 | Schedule C XXX was verified using the Borrowers website and LOX from the Borrower; provide a valid 3rd party verification meeting guidelines for schedule C business dated with XXX days prior to close | 10/27 Client provided borrowers company web page, this is not considered 3rd party, condition remains10/27 Client provided 3rd party verification of XXX dated within XXX days prior to note date | satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at departing residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves verified XXX months - Met |
| 408073584 | Initial CD XXX e-signed by both Borrowers however prior e-consent is not in file. Provide accepted consent for e-delivery for both Borrowers. | 09/19/22 Client provided the e-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073584 | LE's XXX and XXX are e-signed by both Borrowers however e-consent is not in file. Provide accepted consent for e-delivery for both Borrowers prior to delivery. | 09/19/22 Client provided the e-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines |
| 408073586 | Initial & Revised LE XXX were eSigned by borrower without e-Consent in file Provide prior accepted consent for e-delivery. | 10/28/22 Client provided Disclosure Tracking that confirms e-consent on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job XXX months |
| 408073587 | Zero Tolerance testing failed by $XXX due to the added Appraisal Desk Review Fee on the Initial CD. COC in file does not provide a valid Reason/Explanation for why this fee was added. Provide further details for review, or provide Borrower with a XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 09/28/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408073587 | File contains a WVOE dated XXX A VVOE executed XXX days before Note date XXX is missing. | 9.26.2022 Client provided VVOE dated XXX with Note date XXX business days of Note date | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement |
| 408073591 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Per Final 1003 taxes/ins/HOA for XXX/month. Could only verify $XXX/month. Provide documentation totaling $XXX/month | 9/30 Client provided an Email that Lender PITI calculation of $XXX vacancy factor"; response DD verified PITIA is Taxes per file $XXX plus HOA $XXX for a total $XXX; Response Lender incorrectly added vacancy factor as an Expense to the PITIA calculation $XXX vacancy factor instead of reducing the vacancy factor from rental income EX. $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage |
| 408073591 | The Final, Combined Settlement Statement reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Final Settlement Statement and included in testing. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage |
| 408073591 | Zero Tolerance testing failed by $XXX due to the increased Appraisal Fee. The XXX COC does not provide valid details for why this fee was increased. Lender to provide further details for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 09/30/2022 Client provided COC XXX reflecting increase to appraisal fee due to complexity of property and to meet due date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage |
| 408073591 | Per Final 1003 taxes/ins/HOA for XXX/month. Could only verify $XXX/month. Provide documentation totaling $XXX/month | 9/30 Client provided an Email that Lender PITI calculation of $XXX includes a "$XXX vacancy factor"; response DD verified PITIA is Taxes per file $XXX plus HOA $XXX plus Insurance $XXX for a total $XXX; Response Lender incorrectly added vacancy factor as an Expense to the PITIA calculation $XXX vacancy factor instead of reducing the vacancy factor from rental income EX. $XXX% = $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage |
| 408073595 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Significant time (XXX years) in profession |
| 408073598 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current residence |
| 408073603 | Zero Tolerance testing failed by $XXX Appraisal Review Fee on XXX refund, Post CD with increased cure, LOE and proof of delivery that includes tracking information. | 10/18/22 Client provided the XXX Lock (investor required CDA). | Condition Satisfied. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 at current employment for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score is XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX |
| 408073603 | Insufficient funds to close in the amount of $XXX, all additional accounts are IRA's | 10.20.2022 Client provided some asset statements for XXX statement is after Note date and (2). missing updated 1003 to reflect these liquid assets that are being used for subject transaction, currently 1003 do not reflect sufficient liquid assets. Upon receipt and review prior to closing liquid assets to be considered with review of the updated 100310/25 Client provided corrected 1003 including XXX as assets, still missing XXX10.27.2022 Client provided LOX email from seller regarding the asset statements, upon further review sufficient liquid assets is verified prior to closing and appears Lender is not considering the current balance w/XXX account (see print out that was provided) towards funds to close. | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 at current employment for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score is XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves are $XXX |
| 408073605 | Seller-paid fees that should be disclosed in Sections H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Soured on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min |
| 408073605 | Provide the current Stock price prior to close and XXX week average stock price to support XXX calculation | 10.6.2022 Client provided stock price prior to closing, at time of application and after closing supporting XXX continuance income that was used for qualifying using the vesting schedule. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX months at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX min |
| 408073612 | Missing lease with Security deposit check or 1007/1025 used to offset PITI on departing residence | 10/3 Client provided an LOX and income XXX indicating the "the property will eventually be leased but is not currently and is qualified using the full PITIA" | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX months at current job<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years in same profession |
| 408073620 | File is missing a CDA support the appraised value | 11/7 Client provided a duplicate copy of the appraisal; condition remains for a CDA supporting the appraised value 11/8 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | (No Data) |
| 408073624 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073636 | EMD $XXX verified in file coming from business and clearing business account: XXX (pg 163) and file have XXX months statements XXX however Missing Business Asset Cash Flow Analysis covering these XXX months | 10.24.2022 Client provided appears to be a cash flow statement covering XXXNote: Asset Cash Flow provided reflects no borrower name, no bank name, no bank account however info do match the business statements in file, this info is also needed on the document moving forward. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time (XXX years) at current XXX |
| 408073636 | Regarding personal account w/XXX consecutive month statement | 10.24.2022 Client provided #XXX bank statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time (XXX years) at current XXX |
| 408073639 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines |
| 408073667 | The Seller CD reflects additional closing costs, including RE Commission fees, that are not disclosed on the borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 over XXX years at current employment |
| 408073667 | B2 tradelines do not meet guidelines | 10/22 Client provided approved exception for tradelines for B2 | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 over XXX years at current employment |
| 408073668 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is below XXX Max |
| 408073679 | The Seller CD and Final Settlement Statement reflect additional seller paid closing costs that were not disclosed on the Borrower's Final or Post CD's. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073679 | Provide Missing updated valuationValue not yet supportedMay be subject to additional conditions upon review | 11/7 Client provided a CDA supporting the appraised value with a XXXvariance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV |
| 408073694 | Same Lender Refinance, per Title. ROR Form H-9 required. Lender used ROR Form H-8. | 11/03/22 Client provided an approved exception for the incorrect ROR Form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX for REO, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073694 | Zero Tolerance testing failed by XXX due to the increased Discount Points on the Revised XXX LE and Revised XXX LE. Provide the missing Change of Circumstances for these disclosures, or provide borrower with a refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | 11/11/22 Client provided the XXX COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX for REO, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073694 | The Initial XXX CD was e-signed by the non-borrowing title holder (rescission loan). Provide the e-consent for the non-borrowing title holder. | 11/11/22 Client provided the Non-Borrowing title holder e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX for REO, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073694 | Provide missing third party executed Patriot Act form | 11/4 Client provided an approved exception to allow the file without the patriot act information form; file has additional identifying documents | xxx final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate) XXX for REO, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying credit score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work |
| 408073697 | Disclosure tracking reflects a CD dated XXX with Finance charge of $XXX that is missing from file. | 10/21/22 Client provided a XXX Post CD. Condition remains. The file contains Disclosure Tracking Details for an additional XXX CD (Sent at XXX) that reflects Finance Charges of XXX This CD was not provided in the file, and the Tracking shows it was delivered electronically. Provide a copy of this CD for further testing.10/24/22 Client provided the Revised XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At current employment for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Mid credit score of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX |
| 408073701 | Provide VVOE dated within XXX business days prior to Note date | 10.27.2022 Client provided exception approval for VVOE (dated XXX) not within XXX business days of Note date, actual is XXX days of Note date | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI |
| 408073721 | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXXX or XXXX months exceed guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Satisfactory mortgage payment history (XXX months or XXX years) exceeds guidelines |
| 408073721 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXXX or XXXX months exceed guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Satisfactory mortgage payment history (XXX months or XXX years) exceeds guidelines |
| 408073721 | B2 recently retired in XXX and has a new IRA Distribution set up for $XXX as of XXX vs having a XXX month history required per guidelines. Actual assets in IRA account is $XXX with using XXX% for verification of XXX year continuance | Client provided exception approval for newly set up IRA Distribution for B1/B2 (per Financial Letter) totaling $XXX a month | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves $XXXX or XXXX months exceed guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Satisfactory mortgage payment history (XXX months or XXX years) exceeds guidelines |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *278* |
| ***Loans with Conditions:*** | *222* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** |
| 406063166 | Yes | XXXXXX | XXXXXX D B C A |
| 408062021 | Yes | XXXXXX | XXXXXX B A |
| 408068690 | Yes | XXXXXX | XXXXXX D B A C |
| 408069450 | Yes | XXXXXX | XXXXXX A |
| 408069467 | Yes | XXXXXX | XXXXXX D B A |
| 408069490 | Yes | XXXXXX | XXXXXX D B A |
| 408069506 | Yes | XXXXXX | XXXXXX D B A |
| 408069716 | Yes | XXXXXX | XXXXXX D B A |
| 408069767 | Yes | XXXXXX | XXXXXX D B A |
| 408069795 | Yes | XXXXXX | XXXXXX D A |
| 408069893 | Yes | XXXXXX | XXXXXX C A |
| 408069895 | Yes | XXXXXX | XXXXXX C A |
| 408069992 | Yes | XXXXXX | XXXXXX D B A |
| 408070028 | Yes | XXXXXX | XXXXXX D B A |
| 408070446 | Yes | XXXXXX | XXXXXX A |
| 408070479 | Yes | XXXXXX | XXXXXX D B A C |
| 408070492 | Yes | XXXXXX | XXXXXX D A C |
| 408070543 | Yes | XXXXXX | XXXXXX D A |
| 408070590 | Yes | XXXXXX | XXXXXX D A |
| 408070612 | Yes | XXXXXX | XXXXXX A |
| 408070627 | Yes | XXXXXX | XXXXXX A |
| 408070671 | Yes | XXXXXX | XXXXXX D B A |
| 408070691 | Yes | XXXXXX | XXXXXX A |
| 408070816 | Yes | XXXXXX | XXXXXX A |
| 408070874 | Yes | XXXXXX | XXXXXX D B A |
| 408070883 | Yes | XXXXXX | XXXXXX B A |
| 408070998 | Yes | XXXXXX | XXXXXX C B A |
| 408071012 | Yes | XXXXXX | XXXXXX B A |
| 408071026 | Yes | XXXXXX | XXXXXX A |
| 408071096 | Yes | XXXXXX | XXXXXX B A |
| 408071098 | Yes | XXXXXX | XXXXXX A |
| 408071125 | Yes | XXXXXX | XXXXXX D B C A |
| 408071198 | Yes | XXXXXX | XXXXXX A |
| 408071211 | Yes | XXXXXX | XXXXXX A |
| 408071315 | Yes | XXXXXX | XXXXXX C B A |
| 408071389 | Yes | XXXXXX | XXXXXX D B A C |
| 408071405 | Yes | XXXXXX | XXXXXX A |
| 408071461 | Yes | XXXXXX | XXXXXX B A |
| 408071479 | Yes | XXXXXX | XXXXXX D B A |
| 408071520 | Yes | XXXXXX | XXXXXX A |
| 408071546 | Yes | XXXXXX | XXXXXX B A |
| 408071547 | Yes | XXXXXX | XXXXXX D B A |
| 408071552 | Yes | XXXXXX | XXXXXX C B A |
| 408071562 | Yes | XXXXXX | XXXXXX A |
| 408071564 | Yes | XXXXXX | XXXXXX A |
| 408071573 | Yes | XXXXXX | XXXXXX D A |
| 408071575 | Yes | XXXXXX | XXXXXX B A |
| 408071579 | Yes | XXXXXX | XXXXXX A |
| 408071585 | Yes | XXXXXX | XXXXXX A |
| 408071610 | Yes | XXXXXX | XXXXXX C A |
| 408071624 | Yes | XXXXXX | XXXXXX D B A C |
| 408071633 | Yes | XXXXXX | XXXXXX A |
| 408071649 | Yes | XXXXXX | XXXXXX D B A |
| 408071667 | Yes | XXXXXX | XXXXXX C B A |
| 408071676 | Yes | XXXXXX | XXXXXX C B A |
| 408071704 | Yes | XXXXXX | XXXXXX C A |
| 408071708 | Yes | XXXXXX | XXXXXX A |
| 408071712 | Yes | XXXXXX | XXXXXX D A |
| 408071718 | Yes | XXXXXX | XXXXXX A |
| 408071735 | Yes | XXXXXX | XXXXXX A |
| 408071744 | Yes | XXXXXX | XXXXXX D B A |
| 408071758 | Yes | XXXXXX | XXXXXX A |
| 408071775 | Yes | XXXXXX | XXXXXX D A C |
| 408071799 | Yes | XXXXXX | XXXXXX A |
| 408071802 | Yes | XXXXXX | XXXXXX D B A |
| 408071819 | Yes | XXXXXX | XXXXXX D B A |
| 408071827 | Yes | XXXXXX | XXXXXX A |
| 408071854 | Yes | XXXXXX | XXXXXX D A C |
| 408071867 | Yes | XXXXXX | XXXXXX A |
| 408071873 | Yes | XXXXXX | XXXXXX C A B |
| 408071875 | Yes | XXXXXX | XXXXXX C B A |
| 408071877 | Yes | XXXXXX | XXXXXX D A |
| 408071923 | Yes | XXXXXX | XXXXXX D B C A |
| 408071926 | Yes | XXXXXX | XXXXXX A |
| 408071936 | Yes | XXXXXX | XXXXXX A |
| 408071951 | Yes | XXXXXX | XXXXXX D B A |
| 408071977 | Yes | XXXXXX | XXXXXX A |
| 408071985 | Yes | XXXXXX | XXXXXX D B A C |
| 408072009 | Yes | XXXXXX | XXXXXX A |
| 408072036 | Yes | XXXXXX | XXXXXX C B A |
| 408072053 | Yes | XXXXXX | XXXXXX D B A |
| 408072055 | Yes | XXXXXX | XXXXXX D B A |
| 408072060 | Yes | XXXXXX | XXXXXX C A |
| 408072061 | Yes | XXXXXX | XXXXXX D A B |
| 408072077 | Yes | XXXXXX | XXXXXX C B A |
| 408072078 | Yes | XXXXXX | XXXXXX A |
| 408072097 | Yes | XXXXXX | XXXXXX A |
| 408072133 | Yes | XXXXXX | XXXXXX D A |
| 408072150 | Yes | XXXXXX | XXXXXX A |
| 408072155 | Yes | XXXXXX | XXXXXX D B A C |
| 408072236 | Yes | XXXXXX | XXXXXX D A |
| 408072237 | Yes | XXXXXX | XXXXXX D B A |
| 408072240 | Yes | XXXXXX | XXXXXX C B A |
| 408072256 | Yes | XXXXXX | XXXXXX D A |
| 408072259 | Yes | XXXXXX | XXXXXX D A |
| 408072265 | Yes | XXXXXX | XXXXXX A |
| 408072267 | Yes | XXXXXX | XXXXXX C A B |
| 408072269 | Yes | XXXXXX | XXXXXX A |
| 408072272 | Yes | XXXXXX | XXXXXX A |
| 408072279 | Yes | XXXXXX | XXXXXX C B A |
| 408072283 | Yes | XXXXXX | XXXXXX A |
| 408072301 | Yes | XXXXXX | XXXXXX B A |
| 408072303 | Yes | XXXXXX | XXXXXX D B A |
| 408072312 | Yes | XXXXXX | XXXXXX C B A |
| 408072324 | Yes | XXXXXX | XXXXXX A |
| 408072326 | Yes | XXXXXX | XXXXXX A |
| 408072329 | Yes | XXXXXX | XXXXXX A |
| 408072343 | Yes | XXXXXX | XXXXXX A |
| 408072345 | Yes | XXXXXX | XXXXXX A |
| 408072357 | Yes | XXXXXX | XXXXXX A |
| 408072379 | Yes | XXXXXX | XXXXXX B A |
| 408072384 | Yes | XXXXXX | XXXXXX C B A |
| 408072408 | Yes | XXXXXX | XXXXXX D B C A |
| 408072426 | Yes | XXXXXX | XXXXXX C B A |
| 408072451 | Yes | XXXXXX | XXXXXX B A |
| 408072458 | Yes | XXXXXX | XXXXXX A |
| 408072462 | Yes | XXXXXX | XXXXXX A |
| 408072475 | Yes | XXXXXX | XXXXXX D A |
| 408072477 | Yes | XXXXXX | XXXXXX B A |
| 408072480 | Yes | XXXXXX | XXXXXX D B A C |
| 408072489 | Yes | XXXXXX | XXXXXX C A |
| 408072491 | Yes | XXXXXX | XXXXXX C A B |
| 408072508 | Yes | XXXXXX | XXXXXX D B A |
| 408072529 | Yes | XXXXXX | XXXXXX B A |
| 408072535 | Yes | XXXXXX | XXXXXX A |
| 408072561 | Yes | XXXXXX | XXXXXX C A |
| 408072589 | Yes | XXXXXX | XXXXXX D B A |
| 408072590 | Yes | XXXXXX | XXXXXX C B A |
| 408072621 | Yes | XXXXXX | XXXXXX A |
| 408072640 | Yes | XXXXXX | XXXXXX D A |
| 408072658 | Yes | XXXXXX | XXXXXX A |
| 408072682 | Yes | XXXXXX | XXXXXX C B A |
| 408072684 | Yes | XXXXXX | XXXXXX D A |
| 408072705 | Yes | XXXXXX | XXXXXX A |
| 408072727 | Yes | XXXXXX | XXXXXX D B C A |
| 408072735 | Yes | XXXXXX | XXXXXX A |
| 408072738 | Yes | XXXXXX | XXXXXX C A |
| 408072739 | Yes | XXXXXX | XXXXXX C A |
| 408072783 | Yes | XXXXXX | XXXXXX A |
| 408072790 | Yes | XXXXXX | XXXXXX D B C A |
| 408072804 | Yes | XXXXXX | XXXXXX D A B |
| 408072806 | Yes | XXXXXX | XXXXXX D B C A |
| 408072810 | Yes | XXXXXX | XXXXXX A |
| 408072829 | Yes | XXXXXX | XXXXXX D A |
| 408072831 | Yes | XXXXXX | XXXXXX D A |
| 408072836 | Yes | XXXXXX | XXXXXX C B A |
| 408072837 | Yes | XXXXXX | XXXXXX C B A |
| 408072839 | Yes | XXXXXX | XXXXXX A |
| 408072867 | Yes | XXXXXX | XXXXXX A |
| 408072874 | Yes | XXXXXX | XXXXXX D A |
| 408072879 | Yes | XXXXXX | XXXXXX D A |
| 408072881 | Yes | XXXXXX | XXXXXX B A |
| 408072897 | Yes | XXXXXX | XXXXXX C A |
| 408072906 | Yes | XXXXXX | XXXXXX C A |
| 408072919 | Yes | XXXXXX | XXXXXX D A |
| 408072920 | Yes | XXXXXX | XXXXXX A |
| 408072929 | Yes | XXXXXX | XXXXXX D B A C |
| 408072931 | Yes | XXXXXX | XXXXXX A |
| 408072932 | Yes | XXXXXX | XXXXXX A |
| 408072935 | Yes | XXXXXX | XXXXXX A |
| 408072937 | Yes | XXXXXX | XXXXXX A |
| 408072943 | Yes | XXXXXX | XXXXXX D A |
| 408072966 | Yes | XXXXXX | XXXXXX D A C |
| 408072967 | Yes | XXXXXX | XXXXXX A |
| 408072982 | Yes | XXXXXX | XXXXXX D B A C |
| 408072986 | Yes | XXXXXX | XXXXXX C B |
| 408073001 | Yes | XXXXXX | XXXXXX D A |
| 408073005 | Yes | XXXXXX | XXXXXX D A |
| 408073015 | Yes | XXXXXX | XXXXXX D A |
| 408073031 | Yes | XXXXXX | XXXXXX C B A |
| 408073043 | Yes | XXXXXX | XXXXXX A |
| 408073051 | Yes | XXXXXX | XXXXXX C A |
| 408073053 | Yes | XXXXXX | XXXXXX B A |
| 408073057 | Yes | XXXXXX | XXXXXX B A |
| 408073069 | Yes | XXXXXX | XXXXXX A |
| 408073081 | Yes | XXXXXX | XXXXXX C B A |
| 408073084 | Yes | XXXXXX | XXXXXX A |
| 408073091 | Yes | XXXXXX | XXXXXX A |
| 408073093 | Yes | XXXXXX | XXXXXX C B A |
| 408073096 | Yes | XXXXXX | XXXXXX C B A |
| 408073100 | Yes | XXXXXX | XXXXXX A |
| 408073101 | Yes | XXXXXX | XXXXXX A |
| 408073122 | Yes | XXXXXX | XXXXXX D B A |
| 408073124 | Yes | XXXXXX | XXXXXX D B A |
| 408073126 | Yes | XXXXXX | XXXXXX A |
| 408073131 | Yes | XXXXXX | XXXXXX D A B |
| 408073149 | Yes | XXXXXX | XXXXXX D A |
| 408073156 | Yes | XXXXXX | XXXXXX D A C |
| 408073168 | Yes | XXXXXX | XXXXXX D B A |
| 408073183 | Yes | XXXXXX | XXXXXX D A |
| 408073186 | Yes | XXXXXX | XXXXXX A |
| 408073191 | Yes | XXXXXX | XXXXXX D A |
| 408073218 | Yes | XXXXXX | XXXXXX D B A C |
| 408073219 | Yes | XXXXXX | XXXXXX B A |
| 408073220 | Yes | XXXXXX | XXXXXX D A |
| 408073235 | Yes | XXXXXX | XXXXXX D B A |
| 408073239 | Yes | XXXXXX | XXXXXX D B A |
| 408073245 | Yes | XXXXXX | XXXXXX C A |
| 408073246 | Yes | XXXXXX | XXXXXX A |
| 408073249 | Yes | XXXXXX | XXXXXX A |
| 408073252 | Yes | XXXXXX | XXXXXX A |
| 408073255 | Yes | XXXXXX | XXXXXX C A |
| 408073273 | Yes | XXXXXX | XXXXXX A |
| 408073278 | Yes | XXXXXX | XXXXXX B A |
| 408073281 | Yes | XXXXXX | XXXXXX A |
| 408073297 | Yes | XXXXXX | XXXXXX D A C |
| 408073313 | Yes | XXXXXX | XXXXXX D A |
| 408073314 | Yes | XXXXXX | XXXXXX D B A |
| 408073315 | Yes | XXXXXX | XXXXXX B A |
| 408073323 | Yes | XXXXXX | XXXXXX C B A |
| 408073324 | Yes | XXXXXX | XXXXXX D A |
| 408073328 | Yes | XXXXXX | XXXXXX D B A |
| 408073334 | Yes | XXXXXX | XXXXXX D A |
| 408073337 | Yes | XXXXXX | XXXXXX A |
| 408073339 | Yes | XXXXXX | XXXXXX D B A |
| 408073350 | Yes | XXXXXX | XXXXXX D B A |
| 408073355 | Yes | XXXXXX | XXXXXX B A |
| 408073362 | Yes | XXXXXX | XXXXXX D B A |
| 408073365 | Yes | XXXXXX | XXXXXX A |
| 408073367 | Yes | XXXXXX | XXXXXX D A |
| 408073368 | Yes | XXXXXX | XXXXXX B A |
| 408073372 | Yes | XXXXXX | XXXXXX C A |
| 408073379 | Yes | XXXXXX | XXXXXX A |
| 408073394 | Yes | XXXXXX | XXXXXX D B A |
| 408073404 | Yes | XXXXXX | XXXXXX A |
| 408073409 | Yes | XXXXXX | XXXXXX A |
| 408073413 | Yes | XXXXXX | XXXXXX A |
| 408073415 | Yes | XXXXXX | XXXXXX A |
| 408073416 | Yes | XXXXXX | XXXXXX D A |
| 408073428 | Yes | XXXXXX | XXXXXX D A |
| 408073430 | Yes | XXXXXX | XXXXXX C A |
| 408073431 | Yes | XXXXXX | XXXXXX A |
| 408073434 | Yes | XXXXXX | XXXXXX A |
| 408073453 | Yes | XXXXXX | XXXXXX A |
| 408073458 | Yes | XXXXXX | XXXXXX C A |
| 408073460 | Yes | XXXXXX | XXXXXX D A C |
| 408073461 | Yes | XXXXXX | XXXXXX D A |
| 408073466 | Yes | XXXXXX | XXXXXX D B A C |
| 408073477 | Yes | XXXXXX | XXXXXX C A |
| 408073479 | Yes | XXXXXX | XXXXXX C B A |
| 408073483 | Yes | XXXXXX | XXXXXX D A |
| 408073491 | Yes | XXXXXX | XXXXXX D B A |
| 408073493 | Yes | XXXXXX | XXXXXX A |
| 408073495 | Yes | XXXXXX | XXXXXX B A |
| 408073498 | Yes | XXXXXX | XXXXXX D A |
| 408073503 | Yes | XXXXXX | XXXXXX D A B |
| 408073505 | Yes | XXXXXX | XXXXXX D B A |
| 408073507 | Yes | XXXXXX | XXXXXX D B A |
| 408073515 | Yes | XXXXXX | XXXXXX C B A |
| 408073522 | Yes | XXXXXX | XXXXXX D B A |
| 408073524 | Yes | XXXXXX | XXXXXX D A |
| 408073526 | Yes | XXXXXX | XXXXXX C A |
| 408073528 | Yes | XXXXXX | XXXXXX A |
| 408073559 | Yes | XXXXXX | XXXXXX C A |
| 408073568 | Yes | XXXXXX | XXXXXX D A |
| 408073570 | Yes | XXXXXX | XXXXXX D B A |
| 408073574 | Yes | XXXXXX | XXXXXX D B A |
| 408073583 | Yes | XXXXXX | XXXXXX C A B |
| 408073584 | Yes | XXXXXX | XXXXXX D A |
| 408073586 | Yes | XXXXXX | XXXXXX D A |
| 408073587 | Yes | XXXXXX | XXXXXX C B A |
| 408073591 | Yes | XXXXXX | XXXXXX D A |
| 408073595 | Yes | XXXXXX | XXXXXX A |
| 408073598 | Yes | XXXXXX | XXXXXX A |
| 408073603 | Yes | XXXXXX | XXXXXX C A B |
| 408073605 | Yes | XXXXXX | XXXXXX D A |
| 408073612 | Yes | XXXXXX | XXXXXX D A |
| 408073620 | Yes | XXXXXX | XXXXXX D A |
| 408073624 | Yes | XXXXXX | XXXXXX A |
| 408073636 | Yes | XXXXXX | XXXXXX B A |
| 408073639 | Yes | XXXXXX | XXXXXX A |
| 408073667 | Yes | XXXXXX | XXXXXX B A |
| 408073668 | Yes | XXXXXX | XXXXXX A |
| 408073679 | Yes | XXXXXX | XXXXXX D A |
| 408073694 | Yes | XXXXXX | XXXXXX D B A |
| 408073697 | Yes | XXXXXX | XXXXXX D A |
| 408073701 | Yes | XXXXXX | XXXXXX B A |
| 408073721 | Yes | XXXXXX | XXXXXX B A |

---

---

| | |
|:---|:---|
| **Loan Number** | **Did Lender Acknowledge Exception at Origination** |
| 406063166 D B C A | (No Data) |
| 408062021 B A | Not Applicable |
| 408068690 D B A C | Yes |
| 408069450 A | Not Applicable |
| 408069467 D B A | Not Applicable |
| 408069490 D B A | Not Applicable |
| 408069506 D B A | Not Applicable |
| 408069716 D B A | Not Applicable |
| 408069767 D B A | No |
| 408069795 D A | Not Applicable |
| 408069893 C A | Not Applicable |
| 408069895 C A | Not Applicable |
| 408069992 D B A | Not Applicable |
| 408070028 D B A | No |
| 408070446 A | Not Applicable |
| 408070479 D B A C | No |
| 408070492 D A C | Not Applicable |
| 408070543 D A | Not Applicable |
| 408070590 D A | Not Applicable |
| 408070612 A | Not Applicable |
| 408070627 A | Not Applicable |
| 408070671 D B A | No |
| 408070691 A | Not Applicable |
| 408070816 A | Not Applicable |
| 408070874 D B A | Not Applicable |
| 408070883 B A | Yes |
| 408070998 C B A | No |
| 408071012 B A | Not Applicable |
| 408071026 A | Not Applicable |
| 408071096 B A | No |
| 408071098 A | Not Applicable |
| 408071125 D B C A | Yes |
| 408071198 A | Not Applicable |
| 408071211 A | No |
| 408071315 C B A | Not Applicable |
| 408071389 D B A C | Not Applicable |
| 408071405 A | No |
| 408071461 B A | Not Applicable |
| 408071479 D B A | Not Applicable |
| 408071520 A | Not Applicable |
| 408071546 B A | Not Applicable |
| 408071547 D B A | Not Applicable |
| 408071552 C B A | Not Applicable |
| 408071562 A | Not Applicable |
| 408071564 A | Not Applicable |
| 408071573 D A | Not Applicable |
| 408071575 B A | Not Applicable |
| 408071579 A | Not Applicable |
| 408071585 A | Not Applicable |
| 408071610 C A | Not Applicable |
| 408071624 D B A C | Not Applicable |
| 408071633 A | No |
| 408071649 D B A | Not Applicable |
| 408071667 C B A | Not Applicable |
| 408071676 C B A | No |
| 408071704 C A | No |
| 408071708 A | Not Applicable |
| 408071712 D A | Not Applicable |
| 408071718 A | Not Applicable |
| 408071735 A | Not Applicable |
| 408071744 D B A | Not Applicable |
| 408071758 A | Not Applicable |
| 408071775 D A C | Not Applicable |
| 408071799 A | Not Applicable |
| 408071802 D B A | Not Applicable |
| 408071819 D B A | Not Applicable |
| 408071827 A | Not Applicable |
| 408071854 D A C | Not Applicable |
| 408071867 A | Not Applicable |
| 408071873 C A B | Not Applicable |
| 408071875 C B A | No |
| 408071877 D A | Not Applicable |
| 408071923 D B C A | Yes |
| 408071926 A | Not Applicable |
| 408071936 A | Not Applicable |
| 408071951 D B A | Yes |
| 408071977 A | Not Applicable |
| 408071985 D B A C | No |
| 408072009 A | Not Applicable |
| 408072036 C B A | Not Applicable |
| 408072053 D B A | Yes |
| 408072055 D B A | Not Applicable |
| 408072060 C A | No |
| 408072061 D A B | Not Applicable |
| 408072077 C B A | Not Applicable |
| 408072078 A | Not Applicable |
| 408072097 A | Not Applicable |
| 408072133 D A | Not Applicable |
| 408072150 A | No |
| 408072155 D B A C | Not Applicable |
| 408072236 D B A | No |
| 408072237 D B A | No |
| 408072240 C B A | Not Applicable |
| 408072256 D A | Not Applicable |
| 408072259 D A | Not Applicable |
| 408072265 A | Not Applicable |
| 408072267 C A B | Not Applicable |
| 408072269 A | No |
| 408072272 A | Not Applicable |
| 408072279 C B A | Not Applicable |
| 408072283 A | Not Applicable |
| 408072301 B A | Not Applicable |
| 408072303 D B A | Not Applicable |
| 408072312 C B A | Not Applicable |
| 408072324 A | Not Applicable |
| 408072326 A | Not Applicable |
| 408072329 A | Not Applicable |
| 408072343 A | No |
| 408072345 A | Not Applicable |
| 408072357 A | Not Applicable |
| 408072379 B A | Not Applicable |
| 408072384 C B A | No |
| 408072408 D B C A | No |
| 408072426 C B A | No |
| 408072451 B A | Not Applicable |
| 408072458 A | Not Applicable |
| 408072462 A | No |
| 408072475 D A | No |
| 408072477 B A | No |
| 408072480 D B A C | Not Applicable |
| 408072489 C A | Not Applicable |
| 408072491 C A B | No |
| 408072508 D B A | No |
| 408072529 B A | No |
| 408072535 A | Not Applicable |
| 408072561 C A | No |
| 408072589 D B A | Yes |
| 408072590 C B A | Not Applicable |
| 408072621 A | No |
| 408072640 D A | Not Applicable |
| 408072658 A | Not Applicable |
| 408072682 C B A | Not Applicable |
| 408072684 D A | Not Applicable |
| 408072705 A | Not Applicable |
| 408072727 D B C A | Yes |
| 408072735 A | Not Applicable |
| 408072738 C A | No |
| 408072739 C A | Not Applicable |
| 408072783 A | Not Applicable |
| 408072790 D B C A | Not Applicable |
| 408072804 D A B | No |
| 408072806 D B C A | No |
| 408072810 A | Not Applicable |
| 408072829 D A | Not Applicable |
| 408072831 D A | Not Applicable |
| 408072836 C B A | Yes |
| 408072837 C B A | Not Applicable |
| 408072839 A | Not Applicable |
| 408072867 A | Not Applicable |
| 408072874 D A | No |
| 408072879 D A | No |
| 408072881 B A | Not Applicable |
| 408072897 C A | No |
| 408072906 C A | Not Applicable |
| 408072919 D A | No |
| 408072920 A | Not Applicable |
| 408072929 D B A C | Not Applicable |
| 408072931 A | Not Applicable |
| 408072932 A | No |
| 408072935 A | Not Applicable |
| 408072937 A | Not Applicable |
| 408072943 D A | No |
| 408072966 D A C | Not Applicable |
| 408072967 A | Not Applicable |
| 408072982 D B A C | Yes |
| 408072986 C B | No |
| 408073001 D A | Not Applicable |
| 408073005 D A | Not Applicable |
| 408073015 D A | Not Applicable |
| 408073031 C B A | No |
| 408073043 A | Not Applicable |
| 408073051 C A | Not Applicable |
| 408073053 B A | No |
| 408073057 B A | No |
| 408073069 A | Not Applicable |
| 408073081 C B A | No |
| 408073084 A | Not Applicable |
| 408073091 A | No |
| 408073093 C B A | Not Applicable |
| 408073096 C B A | No |
| 408073100 A | No |
| 408073101 A | No |
| 408073122 D B A | Yes |
| 408073124 D B A | Yes |
| 408073126 A | No |
| 408073131 D A B | No |
| 408073149 D A | No |
| 408073156 D A C | Not Applicable |
| 408073168 D B A | No |
| 408073183 D A | No |
| 408073186 A | Not Applicable |
| 408073191 D A | No |
| 408073218 D B A C | No |
| 408073219 B A | No |
| 408073220 D A | No |
| 408073235 D B A | Not Applicable |
| 408073239 D B A | No |
| 408073245 C A | Not Applicable |
| 408073246 A | Not Applicable |
| 408073249 A | Not Applicable |
| 408073252 A | No |
| 408073255 C A | No |
| 408073273 A | Not Applicable |
| 408073278 B A | Not Applicable |
| 408073281 A | No |
| 408073297 D A C | No |
| 408073313 D A | No |
| 408073314 D B A | Yes |
| 408073315 B A | Not Applicable |
| 408073323 C B A | Not Applicable |
| 408073324 D A | Not Applicable |
| 408073328 D B A | No |
| 408073334 D A | Not Applicable |
| 408073337 A | Not Applicable |
| 408073339 D B A | Yes |
| 408073350 D B A | Not Applicable |
| 408073355 B A | No |
| 408073362 D B A | Not Applicable |
| 408073365 A | No |
| 408073367 D A | No |
| 408073368 B A | Not Applicable |
| 408073372 C A | Not Applicable |
| 408073379 A | Not Applicable |
| 408073394 D B A | No |
| 408073404 A | No |
| 408073409 A | No |
| 408073413 A | No |
| 408073415 A | No |
| 408073416 D A | Not Applicable |
| 408073428 D A | No |
| 408073430 C A | No |
| 408073431 A | Not Applicable |
| 408073434 A | Not Applicable |
| 408073453 A | No |
| 408073458 C A | No |
| 408073460 D A C | Not Applicable |
| 408073461 D A | No |
| 408073466 D B A C | Yes |
| 408073477 C A | Not Applicable |
| 408073479 C B A | Not Applicable |
| 408073483 D A | Not Applicable |
| 408073491 D B A | No |
| 408073493 A | Not Applicable |
| 408073495 B A | No |
| 408073498 D A | No |
| 408073503 D A B | No |
| 408073505 D B A | No |
| 408073507 D B A | No |
| 408073515 C B A | Not Applicable |
| 408073522 D B A | No |
| 408073524 D A | Not Applicable |
| 408073526 C A | Not Applicable |
| 408073528 A | Not Applicable |
| 408073559 C A | No |
| 408073568 D A | Not Applicable |
| 408073570 D B A | No |
| 408073574 D B A | No |
| 408073583 C A B | Not Applicable |
| 408073584 D A | Not Applicable |
| 408073586 D A | Not Applicable |
| 408073587 C B A | Not Applicable |
| 408073591 D A | No |
| 408073595 A | No |
| 408073598 A | Not Applicable |
| 408073603 C A B | No |
| 408073605 D A | Not Applicable |
| 408073612 D A | Not Applicable |
| 408073620 D A | Not Applicable |
| 408073624 A | Not Applicable |
| 408073636 B A | No |
| 408073639 A | No |
| 408073667 B A | No |
| 408073668 A | Not Applicable |
| 408073679 D A | No |
| 408073694 D B A | No |
| 408073697 D A | No |
| 408073701 B A | Not Applicable |
| 408073721 B A | No |

---

## Exhibit 99.7

---

| | |
|:---|:---|
| **EXHIBIT 99.7** | **CLAYTON WAIVED CONDITIONS SUMMARY**  |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-1** |
| **Start - End Dates:** | **9/23/2016 - 11/7/2022** |
| **Deal Loan Count:** | **278** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL100 | Legal document incorrect or incomplete | 1 |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 1 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER146 | Missing lender's loan approval/underwriting form | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 3 |
| Credit | Terms/Guidelines | CRDTER3490 | Missing Patriot Act form | 3 |
| Credit | Credit/Mtg History | CRDCRMH122 | Foreclosure history does not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH148 | Credit report stale dated at closing | 3 |
| Credit | Credit/Mtg History | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | 2 |
| Credit | Credit/Mtg History | CRDCRMH150 | Tradelines do not meet guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 6 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception 5% or Less | 2 |
| Credit | DTI | CRDDTI187 | Debt Ratio > 43% | 2 |
| Credit | LTV/CLTV | CRDLTV107 | LTV Exception 5% or Less | 2 |
| Credit | LTV/CLTV | CRDLTV142 | LTV Exception =>10% | 1 |
| Credit | LTV/CLTV | CRDLTV201 | LTV > 80% | 2 |
| Credit | LTV/CLTV | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 2 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | Title | CRDTIL100 | Potential title issue | 1 |
| Credit | Income/Employment | CRDINC126 | Length of employment/self-employment does not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 5 |
| Credit | Income/Employment | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | 6 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 8 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 6 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Income/Employment | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | 4 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 4 |
| Credit | Income/Employment | CRDINC890 | Employment is Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST115 | Cash reserves do not meet guidelines | 1 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 2 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 6 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 2 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 4 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 4 |
| Property Valuations | Property | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | 3 |
| Property Valuations | Property | PRVAPROP2674 | Property Issues Indicated 2 | 2 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | 4 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 5 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 1 |
| **Total** |  |  |  | **109** |

---

©2022 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 99.8

---

| | |
|:---|:---|
| **EXHIBIT 99.8** | **Canopy Financial Technology Partners LLC ("Canopy") Executive Summary**  |

---

![](tm231680d1_ex99-8img001.jpg)

**NARRATIVE**

**SEMT 2023-1**

**By Canopy Financial Technology Partners LLC on January 3, 2023**

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, Unit 203, Old Lyme, CT 06371

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on residential properties originated or acquired by Redwood Residential Acquisition Corporation (the "Client") or its affiliated company. The Review was conducted from April 2022 to October 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of Twenty-nine (29) Loans with an aggregate principal balance of $29,806,031.00.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio  | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**Credit Underwriting**

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

&nbsp;&nbsp;&nbsp;&nbsp;• Assets
and Reserves;

&nbsp;&nbsp;&nbsp;&nbsp;• DTI
(when applicable);

&nbsp;&nbsp;&nbsp;&nbsp;• DSCR
(when applicable);

&nbsp;&nbsp;&nbsp;&nbsp;• Gross
Income (when applicable);

&nbsp;&nbsp;&nbsp;&nbsp;• Housing
history;

&nbsp;&nbsp;&nbsp;&nbsp;• Lien
Position;

&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Purpose;

&nbsp;&nbsp;&nbsp;&nbsp;• LTV/CLTV;

&nbsp;&nbsp;&nbsp;&nbsp;• Monthly
debt service;

&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy;

&nbsp;&nbsp;&nbsp;&nbsp;• Property
Type;

&nbsp;&nbsp;&nbsp;&nbsp;• Qualifying
PITI; and

&nbsp;&nbsp;&nbsp;&nbsp;• Residual
Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;• All
known borrower-owned properties are disclosed on the REO Section;

&nbsp;&nbsp;&nbsp;&nbsp;• Borrower(s)
employment history ;

&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship
and eligibility;

&nbsp;&nbsp;&nbsp;&nbsp;• First
time home buyer status ;

&nbsp;&nbsp;&nbsp;&nbsp;• The
application was signed by all borrowers; and

&nbsp;&nbsp;&nbsp;&nbsp;• The
application was substantially completed.

**Credit History:** Canopy verified:

&nbsp;&nbsp;&nbsp;&nbsp;• A
credit report or alternative credit history as applicable to loan type is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;• Bankruptcy
and foreclosure seasoning;

&nbsp;&nbsp;&nbsp;&nbsp;• Capture
the monthly consumer debt payments for use in the applicable DTI calculation;

&nbsp;&nbsp;&nbsp;&nbsp;• Installment
and revolving payment history;

&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage/rental
payment history;

&nbsp;&nbsp;&nbsp;&nbsp;• Note
and research the Real Estate Owned, OFAC, and Fraud alerts;

&nbsp;&nbsp;&nbsp;&nbsp;• Number
of tradelines; and

&nbsp;&nbsp;&nbsp;&nbsp;• Representative
Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

&nbsp;&nbsp;&nbsp;&nbsp;• Verbal
or Written VOE's;

&nbsp;&nbsp;&nbsp;&nbsp;• Paystubs;

&nbsp;&nbsp;&nbsp;&nbsp;• W-2
Forms;

&nbsp;&nbsp;&nbsp;&nbsp;• Tax
Returns;

&nbsp;&nbsp;&nbsp;&nbsp;• Financial
Statements;

&nbsp;&nbsp;&nbsp;&nbsp;• Award
Letters;

&nbsp;&nbsp;&nbsp;&nbsp;• IRS
Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

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

○ Social Security inconsistencies

○ Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;• Employment:

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

○ Mortgage lender/originator

○ Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy:

○ Borrower address history

○ Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;• OFAC.

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

&nbsp;&nbsp;&nbsp;&nbsp;• Depository
Account Statements;

&nbsp;&nbsp;&nbsp;&nbsp;• Gift
Funds;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Stock
or Security Account Statements; and/or

&nbsp;&nbsp;&nbsp;&nbsp;• Verifications
of Deposit.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

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

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

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

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

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;• 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;

&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed
Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and

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

**Automated Underwriting System Findings:** N/A

**Document Review** 

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

&nbsp;&nbsp;&nbsp;&nbsp;• Initial
Application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;• Final
Application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;• Note;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;• Sales
Contract;

&nbsp;&nbsp;&nbsp;&nbsp;• Title
Commitment/Policy;

&nbsp;&nbsp;&nbsp;&nbsp;• Junior
Lien/Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage
Insurance;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Flood
Certification;

&nbsp;&nbsp;&nbsp;&nbsp;• Initial
and Final Loan Estimate (LE);

&nbsp;&nbsp;&nbsp;&nbsp;• Initial
and Final and Closing Disclosure (CD);

&nbsp;&nbsp;&nbsp;&nbsp;• Post-Consummation
Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)** 

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **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 HOEPA and any state and
local high-cost home loan laws. Assignee shall have the meaning as defined in TILA;

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(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by
Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C.
 §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;

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

I. Compliance
 Documentation Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Initial
 and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note,
 including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Copy
 of note for any junior liens (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage
 / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial,
 Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice
 of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate
 Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

II. Anti-Predatory
 Lending (Assignee Liability)

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

III. Compliance
 Testing Elements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and
disclosures were provided within the required timeframes. Testing will be conducted to fulfill the elements Structured Finance
Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, 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). The appropriate Model
Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. **Notwithstanding the foregoing, Seller is exempt from the ATR Rule pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm 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 may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Miscellaneous
 Compliance Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report 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;ii. Single
 Premium Credit Insurance – Canopy will report 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;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti- predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

&nbsp;&nbsp;&nbsp;&nbsp;• Florida
Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

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

&nbsp;&nbsp;&nbsp;&nbsp;• Illinois
High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

&nbsp;&nbsp;&nbsp;&nbsp;• 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 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;• Massachusetts
 "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

&nbsp;&nbsp;&nbsp;&nbsp;• Massachusetts
Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;• Massachusetts
Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

&nbsp;&nbsp;&nbsp;&nbsp;• New
York Subprime Home Loans, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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

&nbsp;&nbsp;&nbsp;&nbsp;• Oklahoma
Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

&nbsp;&nbsp;&nbsp;&nbsp;• Pennsylvania
Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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).

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

&nbsp;&nbsp;&nbsp;&nbsp;• South
Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;• Tennessee
Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;• The
disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

&nbsp;&nbsp;&nbsp;&nbsp;• 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.

&nbsp;&nbsp;&nbsp;&nbsp;• Washington
House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

&nbsp;&nbsp;&nbsp;&nbsp;• Wisconsin
Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;• Wyoming
Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

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**Qualified Mortgage (QM)**

With respect to loans originated under the Original Qualified Mortgage Rule ("Original QM") (Safe Harbor and Rebuttable Presumption) designated loans, Canopy 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, (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 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.

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, Canopy reviews 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 reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

For loans originated under the revised Qualified Mortgage Rule (promulgated on 12/10/2020) (hereinafter "QM APOR"), Canopy 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 APR exceeds the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, and (v) the creditor appropriately considered debt obligations, alimony and child support.). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

For loans originated under the QM APOR rule, and which have been designated as "QM: Verified Safe Harbor or "QM: VSH," Canopy has engaged in one of the following safe harbor verification methods, as agreed with the Client.

At a minimum, Canopy will capture the lender provided VSH Indicator. However, under the minimum approach, Canopy will not independently confirm the lender's indicator or whether the loan identified as VSH by the lender achieved VSH under that approach. In addition to the reporting of the lenders VSH indicator, Canopy may perform one of the following three options as part of the loan level due diligence review. For all options, the VSH indicator and determination method will be provided by the lender within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to.

For each Amended General QM Rule designated loan that satisfied the applicable requirements/review option as enumerated below, Canopy will determines whether the loan is a 'QM: VSH; or 'QM: Price Based (APOR)'.

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**OPTION 1**: VSH VIA REFERENCE TO UNDERWRITING GUIDE EXPLICITLY ENUMERATED IN THE REGULATION (JUNE 2020 GSE GUIDES)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender provides the VSH Indicator and determination method.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The
loan utilizes one of the GSE June 2020 guidelines specified in the regulation to meet VSH.

In the event the lender has identified the loan to have VSH status, the Canopy will identify documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified, then the loan would not be identified by Canopy to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. (Other enumerated guidelines including FHA, VA, USDA and blending of the GSE and Agency guidelines using the explicitly referenced versions of the guides may be considered, but shall be agreed to in writing, in advance of any reviews, between the parties.)

**OPTION 2**: VSH VIA GSE GUIDE VERSIONS AFFIRMED AS "SUBSTANTIONALLY SIMILAR" TO ENUMERATED GUIDES

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender provides the VSH indicator and determination method.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender provides a set of GSE underwriting guides (other than June 2020 guides enumerated in
the regulations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender provides affirmation that guides meet VSH because such guides comply with the verification
standards in the guides specifically enumerated in the regulation commentary under Section 1026.43(e), or revised versions of those
enumerated guides where the revised version is substantially similar to the versions specifically listed in the Comment. (See,
Comment 43(e)(2)(v)(B)-3.i and Comment 43(e)(2)(v)(B)-3.iv)

The lender would affirm the source of the underwriting guides and the publication date. The determination and affirmation that the guides are substantially similar would fall on the Client; Canopy will not evaluate whether guidelines utilized by the lender are "substantially similar" to the explicitly enumerated underwriting guidelines. Canopy will identify documentation variances to the provided guidelines that would contradict the VSH indicator provided by the lender. If variances are identified, the loan would be identified by Canopy as failing to meet the VSH documentation requirements as affirmed by the Client (i.e., Canopy will report loan as not having met VSH)

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**OPTION 3**: VSH VIA PROPRIETARY GUIDES

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The lender provides the VSH indicator and determination
method.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender provides a set of proprietary (non-GSE) underwriting
guides.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Lender
provides a Worksheet/AUS connecting the loan level review components to enumerated guides.

Lender provides affirmation that guides meet VSH because such guides comply with the verification standards in the guides specifically enumerated in the regulation commentary under Section 1026.43(e)

The lender would affirm the underwriting guides utilized meet VSH requirements. The determination and affirmation that the guides utilized meet VSH would fall on the Client; Canopy will not evaluate whether guidelines utilized by the lender are in line with the standards on the explicitly enumerated underwriting guidelines. Canopy shall identify documentation variances to the provided Guides and Worksheet/AUS that would contradict the VSH indicator provided from the lender. If variances are identified, then the loan would be identified Canopy as failing to meet the VSH documentation requirements (i.e., TPR will report loan as not having met VSH).

The lender must also maintain policies and procedures to meet the requirement under the Amended General QM Rule (as effective 3/1/2021). Review of policies and procedures and comparison of guides utilized to underwriting standards in the explicitly enumerated GSE guides is outside of TPR review scope. While the policies and procedures may be reviewed as part of an operational assessment performed by rating agencies or aggregators, it is not included in the context of loan level due diligence performed by TPR firms.

**REPORTING:**

Canopy will include in the following in the securitization reports:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Lender/Seller's VSH Indicator;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• That Canopy evaluated the VSH indicator provided by the Lender/Seller;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Which of the three options elected, as defined herein, was employed to evaluate the VSH indicator;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Whether Canopy identified a variance to the indicator based on the due diligence review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Whether the loan met VSH based on the option selected:

○ Under Option 1: Canopy will report whether the loan met VSH via the explicit enumerated guides in effect in June 2020 and reference which specific guide was used for this evaluation.

○ Under Option 2: Canopy will report whether the loan met VSH via an updated version of one of the enumerated GSE guides that was in effect in June 2020. The TPR will reference which version, including the publication date, of the updated guide used for this evaluation.

○ Under Option 3: Canopy will report whether the loan met VSH via the guidelines provided. The TPR will reference the lender and/or aggregator guide used for this evaluation.

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**Ability to Repay ("ATR")**

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

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

Canopy reviews 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 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"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• With respect to Title XI of FIRREA, Canopy checked for the presence of
the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed
a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• With respect to USPAP, Canopy confirmed the appraiser's certification is present and
 executed within the original appraisal.

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In the event the Desk Review process yielded material exceptions or had
a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.

**Agency Eligible Loans:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For FNMA loans, if a CU Score was available and the CU Score was greater
than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market
acceptance of Agency Eligible Loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not
Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required
based on market acceptance of Agency Eligible Loans.

**Valuation Results Summary**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp; **# of Files – CU Score <= 2.5**  | &nbsp;&nbsp; **# of Files – Eligible Rep & Warrant Relief**  | &nbsp;&nbsp; **# of Files < -10% of OA valued (Desk Review)**  | &nbsp;&nbsp; **# of Files => -10% of OA valued (Desk Review)**  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Chart is N/A as all Loan Files were Non-Agency

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** | &nbsp;&nbsp;**Non-Agency Eligible** |
| &nbsp;&nbsp; **Valuation Product**  | &nbsp;&nbsp; **# of Files – No Hit**  | &nbsp;&nbsp; **# of Files < -10% of OA value OR Confidence <= 80%**  | &nbsp;&nbsp; **# of Files => -10% of OA value**  |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 0  | &nbsp;&nbsp; 1  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Of
the 29 Non-Agency Eligible loans reviewed:

○ 28 Loan Files (all Loan Files reviewed) were noted with a Desk Review supporting the original appraised value within a 10% variance.

○ 1 Loan Files were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

 **GRADING COMPONENTS**

 **Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event 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. |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

---

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

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 17.24% (5 loan) have an overall grade of "B" and 82.76% (24 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 17.24%, or five (5) mortgage loan reviewed, and 82.76% (24 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (29 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loan reviewed, and 100.00% (29 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;82.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;82.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &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;**Grand Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &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;**Grand Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29806031.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29806031.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29806031.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29806031.00** |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation— Proceeds used to pay off existing loans<br> other than loans secured by real estate | &nbsp;&nbsp;0<br>| &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi- Purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;17.24% | &nbsp;&nbsp;$5633000.00 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;10.34% | &nbsp;&nbsp;$2936000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;21 | &nbsp;&nbsp;72.41% | &nbsp;&nbsp;$21237031.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29806031.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29806031.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29806031.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;22 | &nbsp;&nbsp;75.86% | &nbsp;&nbsp;$24647281.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;24.14% | &nbsp;&nbsp;$5158750.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29806031.00** |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**DATA COMPARISON RESULTS**

Of the Twenty-nine (29) mortgage Loan Files reviewed, seventeen (17) unique loans (58.62% by number) had twenty-eight (28) tape comparison discrepancies across twenty-seven (27) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**%**<br> **Variance**  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self <br> Employed Flag  | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self- Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% <br> Tolerance if < 80%  | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value  | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% <br> Tolerance if < 80%  | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term  | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio<br>| &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;9<br>| &nbsp;&nbsp;29<br>| &nbsp;&nbsp;31.03%<br>|
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

![](tm231680d1_ex99-8img001.jpg)

**Disclaimer**

*Canopy Financial Technology Partners, 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).*

*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. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.*

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

Canopy Financial Technology Partners LLC \| <u>www.canopytpr.com</u> \|©2022 Proprietary and Confidential

## Exhibit 99.9

---

| | |
|:---|:---|
| **EXHIBIT 99.9** | **Canopy Securitization Report Set**  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408070989 | 1 | 1 | 0 | 7 | .00 | 8515.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071506 | 1 | 1 | 0 | 6 | .00 | 1490.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408070803 | 1 | 1 | 0 | 3 | xxx | 3365.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071577 | 1 | 1 | 0 | 7 | .00 | 26050.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072066 | 1 | 1 | 0 | 7 | .00 | 800.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071826 | 1 | 1 | 0 | 7 | .00 | 10049.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071878 | 1 | 1 | 0 | 7 | .00 | 7181.92 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071733 | 1 | 1 | 0 | 7 | .00 | 5941.25 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071791 | 1 | 1 | 0 | 7 | .00 | 1555.20 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072041 | 1 | 1 | 0 | 7 | .00 | 26590.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071879 | 1 | 1 | 0 | 7 | .00 | 5005.73 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071566 | 1 | 1 | 0 | 6 | .00 | 23950.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071779 | 1 | 1 | 0 | 3 | xxx | 16390.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072709 | 1 | 1 | 0 | 7 | .00 | 8088.13 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071943 | 1 | 1 | 0 | 7 | .00 | 4713.38 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072596 | 1 | 1 | 0 | 7 | .00 | 1595.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072382 | 1 | 1 | 0 | 3 | xxx | 10103.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072647 | 1 | 1 | 0 | 7 | .00 | 1595.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072748 | 1 | 1 | 0 | 7 | .00 | 8206.28 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072885 | 1 | 1 | 0 | 7 | .00 | 3480.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073234 | 1 | 1 | 0 | 7 | .00 | 3827.50 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073445 | 1 | 1 | 0 | 3 | xxx | 16320.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073342 | 1 | 1 | 0 | 7 | .00 | 5991.20 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073575 | 1 | 1 | 0 | 7 | .00 | 2795.36 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073580 | 1 | 1 | 0 | 3 | xxx | 1990.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073352 | 1 | 1 | 0 | 7 | .00 | 14673.40 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073508 | 1 | 1 | 0 | 6 | .00 | 3845.20 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073680 | 1 | 1 | 0 | 7 | .00 | 6372.70 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073699 | 1 | 1 | 0 | 7 | .00 | 1795.00 |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** |
| 408070989 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071506 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408070803 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071577 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |
| 408072066 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408071826 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408071878 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071733 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408071791 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408072041 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071879 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408071566 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071779 | 0 | 0 | 0 | 5 | 1 |  |  |  |  |
| 408072709 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071943 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072596 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072382 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408072647 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072748 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072885 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073234 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073445 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073342 | 0 | 0 | 0 | 1 | 1 |  |  |  |  |
| 408073575 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073580 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073352 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073508 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073680 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073699 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** |
| 408070989 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071506 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408070803 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071577 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072066 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071826 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071878 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071733 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071791 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072041 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071879 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071566 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071779 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072709 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071943 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072596 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072382 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072647 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072748 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072885 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073234 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073445 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073342 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073575 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073580 | xxx |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073352 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073508 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073680 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073699 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** |
| 408070989 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071506 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408070803 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071577 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072066 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071826 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071878 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071733 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071791 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072041 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071879 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071566 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071779 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072709 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071943 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072596 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072382 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072647 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072748 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072885 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073234 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073445 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073342 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073575 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073580 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073352 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073508 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073680 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073699 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** |
| 408070989 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx |
| 408071506 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408070803 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx |
| 408071577 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072066 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408071826 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408071878 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408071733 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408071791 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx |
| 408072041 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 1 | xxx |
| 408071879 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408071566 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx |
| 408071779 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408072709 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408071943 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072596 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072382 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408072647 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408072748 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072885 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 0 | xxx |
| 408073234 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx |
| 408073445 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408073342 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | xxx |
| 408073575 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 1 | xxx |
| 408073580 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 1 | xxx |
| 408073352 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 0 | xxx |
| 408073508 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx |
| 408073680 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx |
| 408073699 |  |  | 0 |  |  |  | 999999999 | 3 | 1 | 0 | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** |
| 408070989 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071506 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408070803 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071577 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072066 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071826 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071878 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071733 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071791 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072041 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071879 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071566 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071779 | xxx | xxx | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072709 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071943 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072596 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072382 | xxx | xxx | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072647 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072748 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072885 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073234 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073445 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073342 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073575 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073580 | xxx | xxx | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073352 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073508 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073680 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073699 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** |
| 408070989 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071506 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408070803 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071577 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072066 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071826 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071878 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071733 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071791 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072041 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071879 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071566 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071779 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072709 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071943 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072596 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072382 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072647 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072748 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072885 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073234 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073445 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073342 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073575 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073580 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073352 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073508 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073680 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073699 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** |
| 408070989 | 6 | 0.434214 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071506 | 3 | 0.225639 | XXXXXXXXXXXX |  |  | xxx | .00 | .00 | .00 | xxx |
| 408070803 | 4 | 0.297377 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx |
| 408071577 | 26 | 0.205933 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072066 | 4 | 0.089708 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071826 | 13 | 0.310430 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071878 | 2 | 0.654302 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071733 | 4 | 0.212951 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408071791 | 5 | 0.065912 | XXXXXXXXXXXX |  |  | xxx | .00 | .00 | .00 | xxx |
| 408072041 | 1 | 0.462181 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | xxx | xxx |
| 408071879 | 7 | 0.095015 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071566 | 10 | 0.032315 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071779 | 17 | 0.589871 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072709 | 7 | 0.018539 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071943 | 9 | 0.008701 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072596 | 3 | 0.066667 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072382 | 8 | 0.294431 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072647 | 6 | 0.112655 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408072748 | 5 | 0.047675 | XXXXXXXXXXXX |  |  | xxx | .00 | xxx | .00 | xxx |
| 408072885 | 4 | 0.101022 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073234 | 2 | 0.065393 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408073445 | 10 | 0.407429 | XXXXXXXXXXXX |  |  | xxx | .00 | .00 | .00 | xxx |
| 408073342 | 2 | 0.111979 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073575 | 4 | 0.245084 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408073580 | 5 | 0.248096 | XXXXXXXXXXXX |  |  | xxx | .00 | .00 | .00 | xxx |
| 408073352 | 4 | 0.069033 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx |
| 408073508 | 11 | 0.285410 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408073680 | 3 | 0.142063 | XXXXXXXXXXXX |  |  | xxx | .00 | xxx | .00 | xxx |
| 408073699 | 3 | 0.429314 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification** | **Borrower Employment Verification** | **Co Borrower Employment Verification** | **Borrower Asset Verification** | **Co Borrower Asset Verification** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** |
| 408070989 | xxx | 1.00 | 4 |  | 3 |  | 4 |  | xxx | 12452.54 | 0.388500 |
| 408071506 | xxx | 1.00 | 5 | 1 | 3 | 1 | 4 | 4 | xxx | 7308.08 | 0.472400 |
| 408070803 | xxx | 1.00 | 4 |  | 3 |  | 4 |  | xxx | 10295.26 | 0.457100 |
| 408071577 | xxx | 1.00 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 14084.66 | 0.359200 |
| 408072066 | xxx | 1.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 7673.84 | 0.418200 |
| 408071826 | xxx | 1.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 12114.62 | 0.417800 |
| 408071878 | xxx | 99.00 | 5 |  | 3 |  | 4 |  | xxx | 6875.78 | 0.389200 |
| 408071733 | xxx | 1.00 | 5 | 4 | 3 | 3 | 4 | 4 | xxx | 17538.29 | 0.354400 |
| 408071791 | xxx | 1.00 | 4 | 1 | 3 | 1 | 4 | 4 | xxx | 14686.63 | 0.399900 |
| 408072041 | xxx | 1.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 6946.39 | 0.470700 |
| 408071879 | xxx | 99.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 9846.52 | 0.283200 |
| 408071566 | xxx | 99.00 | 4 |  | 3 |  | 4 |  | xxx | 8238.40 | 0.371900 |
| 408071779 | xxx | .00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 8969.44 | 0.432600 |
| 408072709 | xxx | 99.00 | 4 |  | 3 |  | 4 |  | xxx | 7788.38 | 0.424800 |
| 408071943 | xxx | 99.00 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 4120.41 | 0.217300 |
| 408072596 | xxx | 1.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 10512.71 | 0.423100 |
| 408072382 | xxx | 99.00 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 9315.15 | 0.421800 |
| 408072647 | xxx | 1.00 | 5 | 4 | 3 | 3 | 4 | 4 | xxx | 14605.53 | 0.394100 |
| 408072748 | xxx | 1.00 | 4 | 1 | 3 | 1 | 4 | 4 | xxx | 10625.40 | 0.425000 |
| 408072885 | xxx | 1.00 | 4 | 5 | 3 | 3 | 4 | 4 | xxx | 17014.74 | 0.395500 |
| 408073234 | xxx | 1.00 | 4 |  | 3 |  | 4 |  | xxx | 9774.90 | 0.392700 |
| 408073445 | xxx | 99.00 | 4 | 1 | 3 | 1 | 4 | 4 | xxx | 11731.27 | 0.496500 |
| 408073342 | xxx | 1.00 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 7573.52 | 0.285100 |
| 408073575 | xxx | 1.00 | 5 |  | 3 |  | 4 |  | xxx | 9123.68 | 0.235800 |
| 408073580 | xxx | 1.00 | 4 | 1 | 3 | 1 | 4 | 4 | xxx | 39705.81 | 0.423900 |
| 408073352 | xxx | 99.00 | 5 |  | 3 |  | 4 |  | xxx | 10942.39 | 0.402000 |
| 408073508 | xxx | 1.00 | 5 |  | 3 |  | 4 |  | xxx | 9217.82 | 0.410900 |
| 408073680 | xxx | 1.00 | 4 | 1 | 3 | 1 | 4 | 4 | xxx | 8406.29 | 0.428200 |
| 408073699 | xxx | 99.00 | 4 |  | 3 |  | 4 |  | xxx | 15736.30 | 0.279800 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** |
| 408070989 |  | 1 | 0.115790 | xxx | FL | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071506 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408070803 |  | 1 |  | xxx | FL | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408071577 |  | 1 | 1.000000 | xxx | FL | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408072066 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071826 |  | 1 | 1.000000 | xxx | TX | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071878 |  | 1 | 1.000000 | xxx | KY | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071733 |  | 1 | 1.000000 | xxx | OR | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071791 |  | 1 | 1.000000 | xxx | CA | xxx | 3 | 2 | xxx | xxx | 3 | xxx |
| 408072041 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071879 |  | 1 | 1.000000 | xxx | CO | xxx | 8 | 2 | xxx | xxx | 3 | xxx |
| 408071566 |  | 1 | 1.000000 | xxx | NY | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071779 |  | 1 |  | xxx | TX | xxx | 7 | 1 |  | xxx | 3 | xxx |
| 408072709 |  | 1 | 1.000000 | xxx | CA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071943 |  | 1 | 1.000000 | xxx | MO | xxx | 1 | 2 | xxx | xxx | 3 | xxx |
| 408072596 |  | 1 | 1.000000 | xxx | WA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408072382 |  | 1 |  | xxx | MN | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408072647 |  | 1 | 1.000000 | xxx | WA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408072748 |  | 1 | 0.386500 | xxx | WA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408072885 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 2 | xxx | xxx | 3 | xxx |
| 408073234 |  | 1 | 1.000000 | xxx | FL | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408073445 |  | 1 |  | xxx | WA | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408073342 |  | 1 | 1.000000 | xxx | CO | xxx | 3 | 2 | xxx | xxx | 3 | xxx |
| 408073575 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 2 | xxx | xxx | 3 | xxx |
| 408073580 |  | 1 |  | xxx | CA | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408073352 |  | 1 | 1.000000 | xxx | WA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073508 |  | 1 | 0.369570 | xxx | CT | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073680 |  | 1 | 0.495260 | xxx | WA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073699 |  | 1 | 1.000000 | xxx | UT | xxx | 7 | 2 | xxx | xxx | 3 | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** |
| 408070989 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071506 |  |  | xxx | 9 | xxx |  |  | 0.615800 | 0.615800 | .00 |
| 408070803 |  |  | xxx | 9 | xxx |  |  | 0.639400 | 0.639400 | .00 |
| 408071577 |  |  | xxx | 9 | xxx |  |  | 0.850000 | 0.850000 | .00 |
| 408072066 |  |  | xxx | 9 | xxx |  |  | 0.621200 | 0.621200 | .00 |
| 408071826 |  |  | xxx | 9 | xxx |  |  | 0.900000 | 0.900000 | .00 |
| 408071878 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071733 |  |  | xxx | 9 | xxx |  |  | 0.900000 | 0.900000 | .00 |
| 408071791 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408072041 |  |  | xxx | 9 | xxx |  |  | 0.689700 | 0.689700 | .00 |
| 408071879 |  |  | xxx | 9 | xxx |  |  | 0.750000 | 0.750000 | .00 |
| 408071566 |  |  | xxx | 9 | xxx |  |  | 0.793100 | 0.793100 | .00 |
| 408071779 |  |  | xxx | 9 | xxx |  |  | 0.690500 | 0.690500 | .00 |
| 408072709 |  |  | xxx | 9 | xxx |  |  | 0.596400 | 0.596400 | .00 |
| 408071943 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408072596 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408072382 |  |  | xxx | 9 | xxx |  |  | 0.578900 | 0.578900 | .00 |
| 408072647 |  |  | xxx | 9 | xxx |  |  | 0.750000 | 0.750000 | .00 |
| 408072748 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408072885 |  |  | xxx | 9 | xxx |  |  | 0.628800 | 0.628800 | .00 |
| 408073234 |  |  | xxx | 9 | xxx |  |  | 0.750000 | 0.750000 | .00 |
| 408073445 |  |  | xxx | 9 | xxx |  |  | 0.699800 | 0.699800 | .00 |
| 408073342 |  |  | xxx | 9 | xxx |  |  | 0.600000 | 0.600000 | .00 |
| 408073575 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073580 |  |  |  |  |  |  |  | 0.464400 | 0.450500 | .00 |
| 408073352 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073508 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073680 |  |  | xxx | 9 | xxx |  |  | 0.666500 | 0.666500 | .00 |
| 408073699 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** |
| 408070989 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071506 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408070803 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071577 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072066 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071826 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071878 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071733 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071791 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072041 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071879 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071566 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071779 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072709 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071943 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072596 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072382 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072647 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072748 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072885 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073234 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073445 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073342 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073575 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073580 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073352 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073508 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073680 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073699 | 0 |  |  | 0 |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** |
| 408070989 |  |  |  |  |  |
| 408071506 |  |  |  |  |  |
| 408070803 |  |  |  |  |  |
| 408071577 |  |  |  |  |  |
| 408072066 |  |  |  |  |  |
| 408071826 |  |  |  |  |  |
| 408071878 |  |  |  |  |  |
| 408071733 |  |  |  |  |  |
| 408071791 |  |  |  |  |  |
| 408072041 |  |  |  |  |  |
| 408071879 |  |  |  |  |  |
| 408071566 |  |  |  |  |  |
| 408071779 |  |  |  |  |  |
| 408072709 |  |  |  |  |  |
| 408071943 |  |  |  |  |  |
| 408072596 |  |  |  |  |  |
| 408072382 |  |  |  |  |  |
| 408072647 |  |  |  |  |  |
| 408072748 |  |  |  |  |  |
| 408072885 |  |  |  |  |  |
| 408073234 |  |  |  |  |  |
| 408073445 |  |  |  |  |  |
| 408073342 |  |  |  |  |  |
| 408073575 |  |  |  |  |  |
| 408073580 |  |  |  |  |  |
| 408073352 |  |  |  |  |  |
| 408073508 |  |  |  |  |  |
| 408073680 |  |  |  |  |  |
| 408073699 |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 408070989 |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** |
| 408070989 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes | 8515 | $12284.24 | xxx | 4.940% | $6032.97 | xxx | No |  |
| 408071506 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1490 | $5687.68 | xxx | 4.773% | $5477.30 | xxx | No | No |
| 408070803 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 3365 | $8240.95 | xxx | 4.917% | $4101.36 | xxx | No |  |
| 408071577 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 26050 | $28524.41 | xxx | 5.388% | $4975.25 | xxx | No | No |
| 408072066 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 800 | $5774.80 | xxx | 4.910% | $5424.38 | xxx | No | No |
| 408071826 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 10053 | $11830.84 | xxx | 5.708% | $6735.18 | xxx | No | No |
| 408071878 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes | 1045 | $8211.23 | xxx | 4.953% | $4552.94 | xxx | No |  |
| 408071733 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 5941.25 | $13576.74 | xxx | 5.426% | $7433.62 | xxx | No | No |
| 408071791 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes |  | $11498.20 | xxx | 4.921% | $5080.40 | xxx | Yes | No |
| 408072041 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 26590 | $32308.22 | xxx | 4.894% | $5141.40 | xxx | No | No |
| 408071879 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes |  | $7881.53 | xxx | 5.070% | $3901.35 | xxx | Yes | Yes |
| 408071566 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes | 1295 | $28846.40 | xxx | 5.073% | $6085.89 | xxx | No |  |
| 408071779 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 9142 | $17987.82 | xxx | 5.455% | $4003.48 | xxx | No | No |
| 408072709 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes | 1490 | $16615.03 | xxx | 5.493% | $4926.35 | xxx | No |  |
| 408071943 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes |  | $5978.49 | xxx | 5.658% | $911.63 | xxx | Yes | Yes |
| 408072596 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1595 | $6405.19 | xxx | 5.524% | $6581.81 | xxx | No | No |
| 408072382 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1523 | $11416.32 | xxx | 5.009% | $3492.77 | xxx | No | No |
| 408072647 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | Yes | 1595 | $13465.62 | xxx | 5.642% | $10901.49 | xxx | No | No |
| 408072748 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 9050.69 | $16910.86 | xxx | 5.693% | $7506.56 | xxx | No | No |
| 408072885 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No |  | $6830.96 | xxx | 5.567% | $3838.25 | xxx | Yes | Yes |
| 408073234 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 3827.5 | $8617.20 | xxx | 5.919% | $5767.49 | xxx | No |  |
| 408073445 | xxx |  | QM: Rebuttable Presumption (APOR) | xxx | Yes | No | 1590 | $19530.01 | xxx | 6.862% | $9553.85 | xxx | No | No |
| 408073342 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No |  | $6125.24 | xxx | 6.335% | $4470.11 | xxx | Yes | Yes |
| 408073575 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No |  | $8898.80 | xxx | 5.924% | $5484.74 | xxx | Yes |  |
| 408073580 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1990 | $8248.50 | xxx | 5.637% | $11513.13 | xxx | No | No |
| 408073352 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 14673.4 | $19801.40 | xxx | 5.349% | $7951.73 | xxx | No |  |
| 408073508 | xxx |  | QM: Rebuttable Presumption (APOR) | xxx | Yes | No | 1490 | $7283.20 | xxx | 6.807% | $4773.68 | xxx | No |  |
| 408073680 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 6372.7 | $10107.76 | xxx | 6.828% | $6421.12 | xxx | No | No |
| 408073699 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No |  | $2882.85 | xxx | 7.774% | $7020.84 | xxx | Yes |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** |
| 408070989 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408071506 | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408070803 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408071577 | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072066 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071826 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071878 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408071733 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071791 | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072041 | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071879 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071566 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408071779 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072709 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408071943 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072596 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072382 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072647 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072748 | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072885 | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073234 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408073445 | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073342 | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073575 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408073580 | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073352 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408073508 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408073680 | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073699 | Employed |  |  |  |  |  | US Citizen |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** |
| 408070989 |  | United States |  |  |  |  | 1 | xxx | $10970.64 | xxx | FL |
| 408071506 |  | United States | United States |  |  |  | 1 | xxx | $1226.64 |  |  |
| 408070803 |  | United States |  |  |  | xxx | 1 | xxx | $3736.80 |  |  |
| 408071577 |  | United States | United States |  |  |  | 1 | xxx | $5851.56 |  |  |
| 408072066 |  | United States | United States |  |  |  | 1 | xxx | $3201.96 |  |  |
| 408071826 |  | United States | United States |  |  |  | 1 | xxx | $2592.96 | xxx | TX |
| 408071878 |  | United States |  |  |  |  | 1 | xxx | $1967.04 | xxx | KY |
| 408071733 |  | United States | United States |  |  | xxx | 1 | xxx | $1554.00 |  |  |
| 408071791 |  | United States | United States |  |  |  | 1 | xxx | $519.96 | xxx | CA |
| 408072041 |  | United States | United States |  |  | xxx | 1 | xxx | $3787.20 | xxx | CA |
| 408071879 |  | United States | United States |  |  |  | 1 | xxx | $1020.24 | xxx | CO |
| 408071566 |  | United States |  |  |  |  | 1 | xxx | $2742.96 |  |  |
| 408071779 |  | United States | United States |  |  |  | 1 | xxx | $3071.04 | xxx | TX |
| 408072709 |  | United States |  |  |  |  | 1 | xxx | $1529.04 | xxx | CA |
| 408071943 |  | United States | United States |  |  |  | 1 | xxx | $2043.96 |  |  |
| 408072596 |  | United States | United States |  |  |  | 1 | xxx | $1252.80 | xxx | WA |
| 408072382 |  | United States | United States |  |  |  | 1 | xxx | $5213.88 |  |  |
| 408072647 |  | United States | United States |  |  | xxx | 1 | xxx | $706.20 | xxx | WA |
| 408072748 |  | United States | United States |  |  |  | 1 | xxx | $1365.00 | xxx | WA |
| 408072885 |  | United States | United States |  |  |  | 1 | xxx | $1894.80 |  |  |
| 408073234 |  | United States |  |  |  |  | 1 | xxx | $17567.40 | xxx | FL |
| 408073445 |  | United States | United States |  |  | xxx | 1 | xxx | $2949.96 |  |  |
| 408073342 |  | United States | United States |  |  | xxx | 1 | xxx | $0.00 | xxx | CO |
| 408073575 |  | United States |  |  |  |  | 1 | xxx | $4483.80 |  |  |
| 408073580 |  | United States | United States |  |  |  | 1 | xxx | $2839.20 |  |  |
| 408073352 |  | United States |  |  |  |  | 1 | xxx | $1035.00 |  |  |
| 408073508 |  | United States |  |  |  | xxx | 1 | xxx | $4287.00 |  |  |
| 408073680 |  | United States | United States |  |  |  | 1 | xxx | $1323.96 |  |  |
| 408073699 |  | United States |  |  |  |  | 1 | xxx | $1530.96 | xxx | UT |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| 408070989 | xxx |  |  |  | 38.85% | 38.85% | xxx | xxx |  |  |  |
| 408071506 |  |  |  |  | 47.24% | 47.24% | xxx | xxx | xxx |  |  |
| 408070803 |  |  |  |  | 45.71% | 45.71% | xxx | xxx |  |  |  |
| 408071577 |  |  |  |  | 35.92% | 35.92% | xxx | xxx | xxx |  |  |
| 408072066 |  |  |  |  | 41.82% | 41.82% | xxx | xxx | xxx |  |  |
| 408071826 | xxx |  |  |  | 41.78% | 41.78% | xxx | xxx | xxx |  |  |
| 408071878 | xxx |  |  |  | 38.92% | 38.92% | xxx | xxx |  |  |  |
| 408071733 |  |  |  |  | 35.44% | 35.44% | xxx | xxx | xxx |  |  |
| 408071791 | xxx |  |  |  | 39.99% | 39.99% | xxx | xxx | xxx |  |  |
| 408072041 | xxx |  |  |  | 47.07% | 47.07% | xxx | xxx | xxx |  |  |
| 408071879 | xxx |  |  |  | 28.32% | 28.32% | xxx | xxx | xxx |  |  |
| 408071566 |  |  |  |  | 37.19% | 37.19% | xxx | xxx |  |  |  |
| 408071779 | xxx |  |  |  | 43.26% | 43.26% | xxx | xxx | xxx |  |  |
| 408072709 | xxx |  |  |  | 42.48% | 42.48% | xxx | xxx |  |  |  |
| 408071943 |  |  |  |  | 21.73% | 21.73% | xxx | xxx | xxx |  |  |
| 408072596 | xxx |  |  |  | 42.31% | 42.31% | xxx | xxx | xxx |  |  |
| 408072382 |  |  |  |  | 42.18% | 42.18% | xxx | xxx | xxx |  |  |
| 408072647 | xxx |  |  |  | 39.41% | 39.41% | xxx | xxx | xxx |  |  |
| 408072748 | xxx |  |  |  | 42.50% | 42.50% | xxx | xxx | xxx |  |  |
| 408072885 |  |  |  |  | 39.55% | 39.55% | xxx | xxx | xxx |  |  |
| 408073234 | xxx |  |  |  | 39.27% | 39.27% | xxx | xxx |  |  |  |
| 408073445 |  |  |  |  | 49.65% | 49.65% | xxx | xxx | xxx |  |  |
| 408073342 | xxx |  |  |  | 28.51% | 28.51% | xxx | xxx | xxx |  |  |
| 408073575 |  |  |  |  | 23.58% | 23.58% | xxx | xxx |  |  |  |
| 408073580 |  |  |  |  | 42.39% | 42.39% | xxx | xxx | xxx |  |  |
| 408073352 |  |  |  |  | 40.20% | 40.20% | xxx | xxx |  |  |  |
| 408073508 |  |  |  |  | 41.09% | 41.09% | xxx | xxx |  |  |  |
| 408073680 |  |  |  |  | 42.82% | 42.82% | xxx | xxx | xxx |  |  |
| 408073699 | xxx |  |  |  | 27.98% | 27.98% | xxx | xxx |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** |
| 408070989 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071506 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408070803 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071577 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072066 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071826 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071878 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071733 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071791 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072041 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071879 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071566 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071779 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072709 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408071943 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072596 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072382 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072647 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072748 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408072885 | xxx |  |  |  |  |  |  | xxx |  |  |
| 408073234 | xxx |  |  |  |  |  |  |  |  |  |
| 408073445 | xxx |  |  |  |  |  |  |  |  |  |
| 408073342 | xxx |  |  |  |  |  |  |  |  |  |
| 408073575 | xxx |  |  |  |  |  |  |  |  |  |
| 408073580 | xxx |  |  |  |  |  |  |  |  |  |
| 408073352 | xxx |  |  |  |  |  |  |  |  |  |
| 408073508 | xxx |  |  |  |  |  |  |  |  |  |
| 408073680 | xxx |  |  |  |  |  |  |  |  |  |
| 408073699 | xxx |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** |
| 408070989 |  | No | No | 0 |  | 0.00% | 50.00% |  | Borrower Prepared |
| 408071506 |  | No | No | 0 |  | 0.00% | 1.00% |  |  |
| 408070803 |  | No | No | 0 |  | 0.00% | 50.00% |  | Borrower Prepared |
| 408071577 |  | No | No | 0 |  | 0.00% | 0.00% |  | Borrower Prepared |
| 408072066 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071826 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071878 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071733 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408071791 |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared |
| 408072041 |  | No | No | 0 |  | 0.00% | 50.00% |  |  |
| 408071879 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071566 |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared |
| 408071779 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408072709 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071943 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408072596 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408072382 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408072647 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408072748 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408072885 |  | No | No | 0 |  | 0.00% | 0.00% |  | Borrower Prepared |
| 408073234 |  | No | No | 0 |  | 0.00% | 100.00% |  | Audited |
| 408073445 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408073342 |  | No | No | 0 |  | 0.00% | 26125.00% |  |  |
| 408073575 |  | No | No | 0 |  | 0.00% | 50.00% |  | Borrower Prepared |
| 408073580 |  | No | No | 0 |  | 0.00% | 50.00% |  | Borrower Prepared |
| 408073352 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408073508 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408073680 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408073699 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** |
| 408070989 | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071506 | Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408070803 | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071577 | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072066 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071826 | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071878 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071733 | Borrower - SEPartnership, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SEPartnership, Wage - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071791 | Borrower - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072041 | Borrower - SEPartnership, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - SEPartnership, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071879 | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071566 | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071779 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072709 | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Separation Agreement Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071943 | Borrower - Wage - Written VOE Verified, Executed 4506T Verified \|\| Co Borrower - Wage - Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072596 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072382 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072647 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072748 | Borrower - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072885 | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073234 | Borrower - SESCorp, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073445 | Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  |
| 408073342 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073575 | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073580 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073352 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073508 | Borrower - Wage, Overtime and Bonus, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073680 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073699 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** |
| 408070989 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071506 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408070803 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071577 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072066 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071826 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071878 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071733 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071791 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072041 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071879 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071566 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071779 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072709 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071943 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072596 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072382 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072647 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072748 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072885 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073234 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073445 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073342 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073575 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073580 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073352 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073508 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073680 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073699 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** |
| 408070989 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 8515 |  | 4.230% |  |  |  |
| 408071506 |  | CHOICE QM 30 YEAR FRM | Redwood Trust |  | 1490 |  | 4.230% |  |  |  |
| 408070803 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 3365 |  | 3.760% |  |  |  |
| 408071577 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 26050 |  | 4.230% |  |  |  |
| 408072066 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 800 |  | 4.740% |  |  |  |
| 408071826 |  | SELECT 90 QM 30 YEAR FRM | Redwood Trust |  | 10053 |  | 4.490% |  |  |  |
| 408071878 |  | Select AUS | Redwood Trust |  | 1045 |  | 4.740% |  |  |  |
| 408071733 |  | SELECT 90 QM 30 YEAR FRM | Redwood Trust |  | 5941.25 |  | 4.490% |  |  |  |
| 408071791 |  | Select AUS | Redwood Trust |  | 0 |  | 4.490% |  |  |  |
| 408072041 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 26590 |  | 4.740% |  |  |  |
| 408071879 |  | Select AUS | Redwood Trust |  | 5005.73 |  | 4.490% |  |  |  |
| 408071566 |  | Select AUS | Redwood Trust |  | 1295 |  | 4.230% |  |  |  |
| 408071779 |  | CHOICE QM 30 YEAR FRM | Redwood Trust |  | 9142 |  | 4.490% |  |  |  |
| 408072709 |  | Select AUS | Redwood Trust |  | 1490 |  | 5.350% |  |  |  |
| 408071943 |  | AGENCY HB 30 YEAR FRM | Redwood Trust |  | 1457.38 |  | 4.740% |  |  |  |
| 408072596 |  | Select AUS | Redwood Trust |  | 1595 |  | 5.170% |  |  |  |
| 408072382 |  | Select AUS | Redwood Trust |  | 1523 |  | 5.070% |  |  |  |
| 408072647 |  | Select AUS | Redwood Trust |  | 1595 |  | 5.170% |  |  |  |
| 408072748 |  | Select AUS | Redwood Trust |  | 9050.69 |  | 5.350% |  |  |  |
| 408072885 |  | Select AUS | Redwood Trust |  | 1790 |  | 5.330% |  |  |  |
| 408073234 |  | Select AUS | Redwood Trust |  | 3827.5 |  | 5.580% |  |  |  |
| 408073445 |  | CHOICE QM 30 YEAR FRM | Redwood Trust |  | 1590 |  | 5.060% |  |  |  |
| 408073342 |  | CHOICE QM 30 YEAR FRM | Redwood Trust |  | 5991.2 |  | 5.370% |  |  |  |
| 408073575 |  | Jumbo Select QM - 30 Year Fixed Rate | Redwood Trust |  | 1590 |  | 5.620% |  |  |  |
| 408073580 |  | SELECT QM 30 YEAR FRM | Redwood Trust |  | 1990 |  | 5.620% |  |  |  |
| 408073352 |  | Jumbo Select QM - 30 Year Fixed Rate | Redwood Trust |  | 14673.4 |  | 5.370% |  |  |  |
| 408073508 |  | CHOICE QM 30 YEAR FRM | Redwood Trust |  | 1490 |  | 5.200% |  |  |  |
| 408073680 |  | Jumbo Select QM - 30 Year Fixed Rate | Redwood Trust |  | 6372.7 |  | 6.090% |  |  |  |
| 408073699 |  | Jumbo Select QM - 30 Year Fixed Rate | Redwood Trust |  | 1795 |  | 6.380% |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** |
| 408070989 | No |  |  | No |  | 0 | 0 | 2 | 2 | 3 |
| 408071506 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408070803 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408071577 | No |  |  | No |  | 2 | 2 | 2 | 0 | 3 |
| 408072066 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408071826 | No |  |  | No |  | 2 | 2 | 2 | 0 | 3 |
| 408071878 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408071733 | No |  |  | No |  | 2 | 2 | 2 | 0 | 3 |
| 408071791 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408072041 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408071879 | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 |
| 408071566 | No |  |  | No |  | 0 | 0 | 1 | 1 | 3 |
| 408071779 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408072709 | No |  |  | No |  | 0 | 0 | 0 | 0 | 3 |
| 408071943 | No |  |  | No |  | 0 | 0 | 0 | 0 | 1 |
| 408072596 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408072382 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408072647 | No |  |  | No |  | 2 | 2 | 2 | 0 | 3 |
| 408072748 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408072885 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408073234 | No |  |  | No |  | 1 | 0 | 1 | 1 | 3 |
| 408073445 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408073342 | No |  |  | No |  | 2 | 2 | 2 | 2 | 1 |
| 408073575 | No |  |  | No |  | 0 | 0 | 2 | 2 | 3 |
| 408073580 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408073352 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408073508 | No |  |  | No |  | 2 | 0 | 2 | 0 | 1 |
| 408073680 | No |  |  | No |  | 2 | 0 | 2 | 0 | 1 |
| 408073699 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **CPA Letter Flag** |
| 408070989 | 2 |  |  | 15 |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071506 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408070803 | 2 |  |  | 16 |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071577 | 2 |  |  | 3 |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072066 | 3 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071826 | 1 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071878 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071733 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071791 | 1 |  |  | 15 |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072041 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071879 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071566 | 0 |  |  | 3 |  | 0.00 | 0.000 |  | N/A | No | Yes |
| 408071779 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072709 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408071943 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072596 | 3 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072382 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072647 | 3 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072748 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No | NA |
| 408072885 | 3 |  |  | 5 |  | 0 | 0.000 |  | N/A | No | NA |
| 408073234 | 1 |  |  | 6 |  | 0 | 0.000 |  | N/A | No | NA |
| 408073445 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |
| 408073342 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |
| 408073575 | 2 |  |  | 7 |  | 0 | 0.000 |  | N/A | No | Yes |
| 408073580 | 2 |  |  | 7 |  | 0 | 0.000 |  | Closed End | No | NA |
| 408073352 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |
| 408073508 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |
| 408073680 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |
| 408073699 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No | NA |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** |
| 408070989 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408071506 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408070803 |  | Yes | 27 |  |  |  |  |  |  |  |
| 408071577 | 0 | No |  |  |  |  |  |  |  |  |
| 408072066 |  | No | 27 |  |  |  |  |  |  |  |
| 408071826 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408071878 |  | No |  |  |  |  |  |  |  |  |
| 408071733 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408071791 |  | No |  |  |  |  |  |  |  |  |
| 408072041 |  | No |  |  |  |  |  |  |  |  |
| 408071879 |  | Yes | 27 |  |  |  |  |  |  |  |
| 408071566 | 24 | No |  |  |  |  |  |  |  |  |
| 408071779 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408072709 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408071943 |  | Yes | 28 |  |  |  |  |  |  |  |
| 408072596 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408072382 |  | No |  |  |  |  |  |  |  |  |
| 408072647 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408072748 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408072885 | 24 | Yes | 24 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States |
| 408073234 |  | No |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | N/A | United States |
| 408073445 |  | Yes | 22 | US Citizen | US Citizen | N/A | Other | USA Patriot Act Info Form | WA | United States |
| 408073342 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot ACT Information Form | N/A | United States |
| 408073575 | 24 | No |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | NC | United States |
| 408073580 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States |
| 408073352 |  | Yes | 16 | US Citizen | US Citizen | N/A | Other | US Patriot Act Information Form | WA | United States |
| 408073508 |  | Yes | 10 | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | N/A | United States |
| 408073680 |  | Yes | 12 | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | N/A | United States |
| 408073699 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot Act Info Form | GA | United States |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** |
| 408070989 |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |
| 408072885 | 06-22-2023 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073234 | 05-19-2027 |  |  | N/A |  |  |  |  |
| 408073445 | 02-15-2023 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073342 | 11-12-2029 | United States | 11-12-2029 | N/A |  |  | US Citizen | US Citizen |
| 408073575 | 10-04-2029 |  |  | N/A |  |  |  |  |
| 408073580 | 02-18-2026 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073352 | 05-20-2027 |  |  | N/A |  |  |  |  |
| 408073508 | 11-13-2027 |  |  | N/A |  |  |  |  |
| 408073680 | 03-23-2026 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073699 | 07-26-2026 |  |  | N/A |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** |
| 408070989 |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |
| 408072885 | N/A | Real ID Driver's License |  | CA | United States | 06-22-2023 |  |  | N/A |
| 408073234 |  |  |  |  |  |  |  |  |  |
| 408073445 | N/A | Other | USA Patriot Act Info Form | WA | United States | 11-07-2024 |  |  | N/A |
| 408073342 | N/A | Other | USA Patriot ACT Information Form | N/A | United States | 11-12-2029 | United States | 11-12-2029 | N/A |
| 408073575 |  |  |  |  |  |  |  |  |  |
| 408073580 | N/A | Other | USA Patriot Act | CA | United States | 05-05-2025 |  |  | N/A |
| 408073352 |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |
| 408073680 | N/A | Other | USA Patriot Act Information Form | N/A | United States | 07-04-2026 |  |  | N/A |
| 408073699 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** |
| 408070989 |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** |
| 408070989 |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** |
| 408070989 |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 408070989 |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |
| 408072885 |  |  |  | xxx | xxx | xxx |
| 408073234 |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |
| 408073342 |  |  |  | xxx | xxx | xxx |
| 408073575 |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |
| 408073680 |  |  |  | xxx | xxx |  |
| 408073699 |  |  |  | xxx | xxx | xxx |

---

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** |
| 408070989 | xxx | C B A |
| 408071506 | xxx | A |
| 408070803 | xxx | D A C |
| 408070803 | xxx | D A C |
| 408071577 | xxx | A |
| 408072066 | xxx | C A |
| 408072066 | xxx | C A |
| 408072066 | xxx | C A |
| 408072066 | xxx | C A |
| 408072066 | xxx | C A |
| 408072066 | xxx | C A |
| 408071826 | xxx | D B A |
| 408071826 | xxx | D B A |
| 408071826 | xxx | D B A |
| 408071878 | xxx | A |
| 408071733 | xxx | C A |
| 408071733 | xxx | C A |
| 408071733 | xxx | C A |
| 408071733 | xxx | C A |
| 408071733 | xxx | C A |
| 408071791 | xxx | A |
| 408072041 | xxx | A |
| 408071879 | xxx | A |
| 408071566 | xxx | D A |
| 408071566 | xxx | D A |
| 408071566 | xxx | D A |
| 408071779 | xxx | D B A |
| 408071779 | xxx | D B A |
| 408071779 | xxx | D B A |
| 408072709 | xxx | A |
| 408071943 | xxx | D A |
| 408072596 | xxx | D A |
| 408072382 | xxx | D A |
| 408072647 | xxx | D B A |
| 408072647 | xxx | D B A |
| 408072748 | xxx | D A C |
| 408072748 | xxx | D A C |
| 408072748 | xxx | D A C |
| 408072885 | xxx | A |
| 408073234 | xxx | C A |
| 408073234 | xxx | C A |
| 408073234 | xxx | C A |
| 408073445 | xxx | D A C |
| 408073445 | xxx | D A C |
| 408073342 | xxx | A |
| 408073575 | xxx | A |
| 408073580 | xxx | C A |
| 408073352 | xxx | B A |
| 408073508 | xxx | A |
| 408073680 | xxx | A |
| 408073699 | xxx | A |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** |
| 408070989 | Closed | FCRE1493 | 2022-04-12 15:54 | 2022-04-13 11:07 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements |
| 408071506 |  |  |  |  |  | A |  |  |  |
| 408070803 | Closed | FCRE9565 | 2022-04-28 11:16 | 2022-12-23 08:11 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Residual Income Analysis Not Provided |
| 408070803 | Closed | FCOM3891 | 2022-05-03 16:21 | 2022-05-04 12:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408071577 |  |  |  |  |  | A |  |  |  |
| 408072066 | Closed | FCOM5135 | 2022-05-20 15:59 | 2022-05-23 10:48 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing |
| 408072066 | Closed | finding-3631 | 2022-05-03 15:25 | 2022-05-04 11:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test |
| 408072066 | Closed | finding-3632 | 2022-05-03 15:25 | 2022-05-04 11:22 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test |
| 408072066 | Closed | finding-3635 | 2022-05-03 15:25 | 2022-05-04 11:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test |
| 408072066 | Closed | FCOM4227 | 2022-05-03 15:24 | 2022-05-03 20:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure |
| 408072066 | Closed | finding-3532 | 2022-05-03 15:24 | 2022-05-03 20:25 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test |
| 408071826 | Closed | FCRE5778 | 2022-07-27 13:38 | 2022-07-27 13:38 | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Borrower 1 Credit Report is Expired |
| 408071826 | Closed | FCRE1444 | 2022-05-18 09:47 | 2022-05-18 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit report incomplete |
| 408071826 | Closed | FCRE1457 | 2022-05-13 13:43 | 2022-05-16 09:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified |
| 408071878 |  |  |  |  |  | A |  |  |  |
| 408071733 | Closed | FCOM4227 | 2022-05-11 14:30 | 2022-05-11 15:38 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure |
| 408071733 | Closed | finding-3631 | 2022-05-11 14:31 | 2022-05-11 15:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test |
| 408071733 | Closed | finding-3632 | 2022-05-11 14:30 | 2022-05-11 15:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test |
| 408071733 | Closed | finding-3634 | 2022-05-11 14:30 | 2022-05-11 15:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test |
| 408071733 | Closed | finding-3532 | 2022-05-11 14:31 | 2022-05-11 15:24 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test |
| 408071791 |  |  |  |  |  | A |  |  |  |
| 408072041 |  |  |  |  |  | A |  |  |  |
| 408071879 |  |  |  |  |  | A |  |  |  |
| 408071566 | Closed | FCRE1241 | 2022-05-23 11:55 | 2022-06-02 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing |
| 408071566 | Closed | FCOM5135 | 2022-05-23 11:55 | 2022-05-23 17:25 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing |
| 408071566 | Closed | FCOM3891 | 2022-05-23 12:27 | 2022-05-23 13:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408071779 | Closed | FCRE1145 | 2022-05-31 13:43 | 2022-05-31 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing |
| 408071779 | Closed | FCRE1365 | 2022-05-20 11:58 | 2022-05-20 12:07 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 2 IRS Transcripts Missing |
| 408071779 | Closed | FCRE1335 | 2022-05-20 11:58 | 2022-05-20 12:07 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing |
| 408072709 |  |  |  |  |  | A |  |  |  |
| 408071943 | Closed | FCOM3891 | 2022-05-27 09:34 | 2022-05-27 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408072596 | Closed | FCOM1797 | 2022-05-31 12:49 | 2022-05-31 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing |
| 408072382 | Closed | FCOM3891 | 2022-06-01 10:09 | 2022-06-01 11:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408072647 | Closed | FCRE1157 | 2022-06-17 16:39 | 2022-06-21 06:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing |
| 408072647 | Closed | FCRE2109 | 2022-06-13 12:24 | 2022-06-13 12:31 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Lender Income Calculation Worksheet is missing |
| 408072748 | Closed | FCRE1764 | 2022-06-17 16:50 | 2022-06-21 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage |
| 408072748 | Closed | FCOM4227 | 2022-06-17 09:16 | 2022-06-17 13:11 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure |
| 408072748 | Closed | FCOM1252 | 2022-06-17 09:15 | 2022-06-17 13:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate |
| 408072885 |  |  |  |  |  | A |  |  |  |
| 408073234 | Closed | finding-3631 | 2022-08-19 10:21 | 2022-08-25 14:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test |
| 408073234 | Closed | finding-3632 | 2022-08-19 10:21 | 2022-08-25 14:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test |
| 408073234 | Closed | finding-3634 | 2022-08-19 10:21 | 2022-08-25 14:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test |
| 408073445 | Closed | FCRE9134 | 2022-08-29 13:50 | 2022-09-01 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing HELOC Closure Letter |
| 408073445 | Closed | finding-47 | 2022-08-29 16:06 | 2022-08-31 13:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test |
| 408073342 |  |  |  |  |  | A |  |  |  |
| 408073575 |  |  |  |  |  | A |  |  |  |
| 408073580 | Closed | FCOM5922 | 2022-09-15 13:18 | 2022-09-23 08:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Lender QM Status not validated |
| 408073352 | Closed | FCRE1437 | 2022-09-19 10:42 | 2022-09-19 13:40 | Acknowledged | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines |
| 408073508 |  |  |  |  |  | A |  |  |  |
| 408073680 |  |  |  |  |  | A |  |  |  |
| 408073699 |  |  |  |  |  | A |  |  |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** |
| 408070989 | Acknowledged-Investor Exception issued to allow for ongoing payment plan on taxes owed from 2018 return; standard guidelines permit only on most recent year's filing. - Due Diligence Vendor-04/13/2022 <br> Ready for Review-Approved exception for B grade. THE SUBJECT LOAN IS THE PURCHASE OF THE BORROWERS PRIMARY RESIDENCE. THE BORROWER IS S/E AS PART OWNER OF A HOLDINGS COMPANY. EXCEPTION NEEDED FOR THE BORROWER HAVING A 2018 IRS TAX PAYMENT PLAN. THE BORROWER OWES $xxx TO THE IRS FROM 2018 TAXES WITH A MONTHLY PAYMENT OF $xxx. THIS DEBT HAS BEEN INCLUDED IN THE DTI. SELLER PROVIDED A SCREEN SHOT OF THE IRS AGREEMENT CONFIRMING THE BORROWER IS CURRENT ALONG WITH THE MONTHLY PAYMENT AMOUNT AND TOTAL. EVIDENCE OF THE MOST RECENT 5 MONTHS OF PAYMENTS SHOWN ON THE SCREEN SHOT AND BANK STATEMENTS. THE BORROWER HAS EXCELLENT CREDIT HISTORY WITH NO LATE PAYMENTS OR DEROGATORY CREDIT EVENTS. - Seller-04/12/2022 <br> Open-Lender included IRS payment of $xxx monthly for balance of $xxx from 2018 tax returns. Per guidelines an IRS payment plan is only allowed for taxes due for most recent tax year, prior years are not allowed. - Due Diligence Vendor-04/12/2022 | Ready for Review-Approved exception for B grade. THE SUBJECT LOAN IS THE PURCHASE OF THE BORROWERS PRIMARY RESIDENCE. THE BORROWER IS S/E AS PART OWNER OF A HOLDINGS COMPANY. EXCEPTION NEEDED FOR THE BORROWER HAVING A 2018 IRS TAX PAYMENT PLAN. THE BORROWER OWES $xxx TO THE IRS FROM 2018 TAXES WITH A MONTHLY PAYMENT OF $xxx. THIS DEBT HAS BEEN INCLUDED IN THE DTI. SELLER PROVIDED A SCREEN SHOT OF THE IRS AGREEMENT CONFIRMING THE BORROWER IS CURRENT ALONG WITH THE MONTHLY PAYMENT AMOUNT AND TOTAL. EVIDENCE OF THE MOST RECENT 5 MONTHS OF PAYMENTS SHOWN ON THE SCREEN SHOT AND BANK STATEMENTS. THE BORROWER HAS EXCELLENT CREDIT HISTORY WITH NO LATE PAYMENTS OR DEROGATORY CREDIT EVENTS. - Seller-04/12/2022 | Acknowledged-Investor Exception issued to allow for ongoing payment plan on taxes owed from 2018 return; standard guidelines permit only on most recent year's filing. - Due Diligence Vendor-04/13/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | 1) $xxx IN RESERVES ($xxx REQUIRED WHICH IS 9 MONTHS FOR THE SUBJECT AND 6 MONTHS FOR THE BORROWERS INVESTMENT) 2) THE BORROWER HAS BEEN IN THE SAME LINE OF WORK FOR 20 YEARS 3) MORTGAGES PAID AS AGREED SINCE 9.2003 4) xxx FICO (700 MIN) |
| 408071506 |  |  |  |  |  |
| 408070803 | Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/23/2022 <br>Resolved-ATR: Residual Income Analysis Provided at resubmission supporting sufficient remainder after all debt service. - Due Diligence Vendor-04/28/2022 <br>Ready for Review-Document Uploaded. Uploaded residual income worksheet for review. - Seller-04/28/2022 <br>Open-ATR: Residual Income Analysis Not Provided Loan qualified with DTI of 45.71%. Per Select QM guidelines requires a residual income calculation. Missing calculation from loan file. - Due Diligence Vendor-04/22/2022 | Ready for Review-Document Uploaded. Uploaded residual income worksheet for review. - Seller-04/28/2022<br>| Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/23/2022 <br>Resolved-ATR: Residual Income Analysis Provided at resubmission supporting sufficient remainder after all debt service. - Due Diligence Vendor-04/28/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408070803 | Resolved-Received evidence of e-consent for NBS - Due Diligence Vendor-05/04/2022 <br> Ready for Review-Document Uploaded. Dropped econsent - Seller-05/03/2022 <br> Ready for Review-I am not able to find any documentation that the NBS e-signed. Everything with her signature looks wet signed so I am not sure how the ESIGN ACT would apply in this case. Please cancel. - Seller-05/03/2022 <br> Open-Missing evidence of E-Consent Missing E-Consent from NBS: xxx - Due Diligence Vendor-04/22/2022 | Ready for Review-Document Uploaded. Dropped econsent - Seller-05/03/2022 <br>Ready for Review-I am not able to find any documentation that the NBS e-signed. Everything with her signature looks wet signed so I am not sure how the ESIGN ACT would apply in this case. Please cancel. - Seller-05/03/2022<br>| Resolved-Received evidence of e-consent for NBS - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408071577 |  |  |  |  |  |
| 408072066 | Resolved-received LOE advising of no affiliates. - Due Diligence Vendor-05/23/2022 <br>Ready for Review-Document Uploaded. Seller notes in email that this account does not have an affiliate business relationship. - Seller-05/20/2022 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Seller notes in email that this account does not have an affiliate business relationship. - Seller-05/20/2022<br>| Resolved-received LOE advising of no affiliates. - Due Diligence Vendor-05/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408072066 | Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*The Initial CD not provided in the loan file. The final CD was utilized in its place for the Compliance/TRID review. Lender to provide Initial CD disclosed to borrower 3 business days prior to consummation. - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408072066 | Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*The Initial CD not provided in the loan file. The final CD was utilized in its place for the Compliance/TRID review. Lender to provide Initial CD disclosed to borrower 3 business days prior to consummation. - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408072066 | Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022 <br> Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). \*\*\*\*\*The Initial CD not provided in the loan file. The final CD was utilized in its place for the Compliance/TRID review. Lender to provide Initial CD disclosed to borrower 3 business days prior to consummation. - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408072066 | Resolved-Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. CD dropped for review - Seller-05/03/2022 <br>Open-\*\*\*\*\*The Initial CD not provided in the loan file. The final CD was utilized in its place for the Compliance/TRID review. Lender to provide Initial CD disclosed to borrower 3 business days prior to consummation. - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. CD dropped for review - Seller-05/03/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408072066 | Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022 <br>Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*The Initial CD not provided in the loan file. The final CD was utilized in its place for the Compliance/TRID review. Lender to provide Initial CD disclosed to borrower 3 business days prior to consummation. - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Dropped CD for review - Seller-05/03/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/04/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071826 | Acknowledged-B1 and B2 credit report dated xxx is (116 days): > 90 days from closing. Approved waiver for B grade. Expiration of credit docs exceeds guidelines (no greater than 120 days). - Due Diligence Vendor-07/27/2022 |  | Acknowledged-B1 and B2 credit report dated xxx is (116 days): > 90 days from closing. Approved waiver for B grade. Expiration of credit docs exceeds guidelines (no greater than 120 days). - Due Diligence Vendor-07/27/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Comp Factors: xxx FICO, borrower has been in the same line of work for xxx years, $xxx in reserves. |
| 408071826 | Resolved-Full Credit Report is Provided - Due Diligence Vendor-05/18/2022 <br> Acknowledged-Investor Accommodation issued for credit report >90 days but <120 with Comparison obtained 10 days prior to closing. - Due Diligence Vendor-05/18/2022 <br> Ready for Review-Approved waiver for B grade. Expiration of credit docs exceeds guidelines (no greater than 120 days). Comp Factors: xxx FICO, borrower has been in the same line of work for 20 years, $xxx in reserves - Seller-05/18/2022 <br> Counter-As per response- full credit report obtained xxx is outside of the 90 days' expiration allowed by QM Select program. Comparison report dated 4/18/22 updates liabilities, however a complete refresh is required if original scores are beyond 90 days. Please provide an updated full credit report, or Investor Accommodation to allow with original at 114 days with Comparison Summary 10 days prior to closing. - Due Diligence Vendor-05/18/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022 <br> Open-Credit report in file dated xxx is missing FICO scores for B1 and B2. - Due Diligence Vendor-05/04/2022 | Ready for Review-Approved waiver for B grade. Expiration of credit docs exceeds guidelines (no greater than 120 days). Comp Factors: XXX FICO, borrower has been in the same line of work for xxx years, $xxx in reserves - Seller-05/18/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022 | Resolved-Full Credit Report is Provided - Due Diligence Vendor-05/18/2022 <br>Acknowledged-Investor Accommodation issued for credit report >90 days but <120 with Comparison obtained 10 days prior to closing. - Due Diligence Vendor-05/18/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
| 408071826 | Resolved-Complete second month's statement provided for IRA. - Due Diligence Vendor-05/16/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/13/2022 <br> Open-Asset 3 Less Than 2 Months Verified Missing required 2nd month asset statement for Edward Jones #xxx/xxx. File contains statement dated 3/25/2022 with balance of $xxx (@60%) = $xxx used to qualify. - Due Diligence Vendor-05/04/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/13/2022<br>| Resolved-Complete second month's statement provided for IRA. - Due Diligence Vendor-05/16/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
| 408071878 |  |  |  |  |  |
| 408071733 | Resolved-Received Initial CD - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. - Seller-05/11/2022 <br>Open-\*\*\*\*\*No closing disclosure issued at least 3 days prior to consummation was located in the file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-05/06/2022 | Ready for Review-Document Uploaded. - Seller-05/11/2022<br>| Resolved-Received Initial CD - Due Diligence Vendor-05/11/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | Initial CD with disclosure tracking uploaded for review. |
| 408071733 | Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*No closing disclosure issued at least 3 days prior to consummation was located in the file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-05/09/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
| 408071733 | Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*No closing disclosure issued at least 3 days prior to consummation was located in the file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-05/09/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
| 408071733 | Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022 <br> Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). \*\*\*\*\*No closing disclosure issued at least 3 days prior to consummation was located in the file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-05/09/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,327.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022<br>| Resolved- Received Initial CD - Due Diligence Vendor-05/11/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
| 408071733 | Resolved- received initial CD - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*No closing disclosure issued at least 3 days prior to consummation was located in the file. Compliance review incomplete until minimum required documents to complete review are received. - Due Diligence Vendor-05/09/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. Initial CD with disclosure tracking uploaded for review. - Seller-05/11/2022<br>| Resolved- received initial CD - Due Diligence Vendor-05/11/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  |
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| 408071879 |  |  |  |  |  |
| 408071566 | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/02/2022 <br>Resolved-Fully executed Purchase Contract provided at resubmission. - Due Diligence Vendor-05/23/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022 <br>Open-Purchase Contract Is Missing Purchase contract not provided for review. - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022<br>| Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/02/2022 <br>Resolved-Fully executed Purchase Contract provided at resubmission. - Due Diligence Vendor-05/23/2022<br>|  |  |
| 408071566 | Resolved-Received LOE and compared to SSPL in file. Transaction does not include any providers were used as designated by the SSPL. - Due Diligence Vendor-05/23/2022 <br>Resolved-Received LOE - Due Diligence Vendor-05/23/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022 <br>Open-Required Affiliated Business Disclosure Missing Privacy Fact Sheet names non-settlement provider affiliate as defined by client; SSPL does not reflect that a referral was made to an affiliate. Due to these items, lender opted not to provide Affiliated Business Disclosure - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022<br>| Resolved-Received LOE and compared to SSPL in file. Transaction does not include any providers were used as designated by the SSPL. - Due Diligence Vendor-05/23/2022 <br>Resolved-Received LOE - Due Diligence Vendor-05/23/2022<br>|  |  |
| 408071566 | Resolved-Received LOE - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022 <br> Open-Missing evidence of E-Consent Missing copy of E-Consent for Non-Borrower Spouse xxx - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022<br>| Resolved-Received LOE - Due Diligence Vendor-05/23/2022<br>|  |  |
| 408071779 | Resolved-Final Title Policy provided at resubmission. - Due Diligence Vendor-05/31/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/31/2022 <br>Counter-Title Commitment provided is for a different borrower and property- please provide acceptable Initial or Final Title Policy for the subject transaction. - Due Diligence Vendor-05/25/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/24/2022 <br>Open-Title Document is missing Preliminary Title Commitment for subject property, title commitment in file is not borrower name or loan amount. - Due Diligence Vendor-05/19/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/31/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/24/2022<br>| Resolved-Final Title Policy provided at resubmission. - Due Diligence Vendor-05/31/2022<br>|  |  |
| 408071779 | Acknowledged-Investor Accommodation issued to allow for waiver of Tax and Wages/Earnings Transcripts. - Due Diligence Vendor-05/20/2022 <br> Ready for Review-Please apply waiver for B grade - Seller-05/20/2022 <br> Open-Borrower 2 IRS Transcripts Missing Missing B2 required 2021/2020 1040 or W2 tax transcripts for wage income used to qualify per guideline 01/03/2022. Application date xxx & lock date xxx - Due Diligence Vendor-05/19/2022 | Ready for Review-Please apply waiver for B grade - Seller-05/20/2022<br>| Acknowledged-Investor Accommodation issued to allow for waiver of Tax and Wages/Earnings Transcripts. - Due Diligence Vendor-05/20/2022<br>|  |  |
| 408071779 | Acknowledged-Investor Accommodation issued to allow for waiver of Tax and Wages/Earnings Transcripts. - Due Diligence Vendor-05/20/2022 <br> Ready for Review-Please apply waiver for B grade - Seller-05/20/2022 <br> Open-Borrower 1 IRS Transcripts Missing Missing B1 required 2021/2020 1040 or W2 tax transcripts for wage income used to qualify per guideline 01/03/2022 . Application date xxx & lock date xxx - Due Diligence Vendor-05/19/2022 | Ready for Review-Please apply waiver for B grade - Seller-05/20/2022<br>| Acknowledged-Investor Accommodation issued to allow for waiver of Tax and Wages/Earnings Transcripts. - Due Diligence Vendor-05/20/2022<br>|  |  |
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| 408071943 | Resolved-received evidence of e-consent - Due Diligence Vendor-05/27/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/27/2022 <br>Open-Missing evidence of E-Consent - Due Diligence Vendor-05/25/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/27/2022<br>| Resolved-received evidence of e-consent - Due Diligence Vendor-05/27/2022<br>|  |  |
| 408072596 | Resolved-Received SPL - Due Diligence Vendor-05/31/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review - Seller-05/31/2022 <br>Open- - Due Diligence Vendor-05/26/2022 <br>Open- - Due Diligence Vendor-05/25/2022 <br>Open-Need copy of Service Provider List. Could not locate in file - Due Diligence Vendor-05/25/2022 | Ready for Review-Document Uploaded. Documents uploaded for review - Seller-05/31/2022<br>| Resolved-Received SPL - Due Diligence Vendor-05/31/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408072382 | Resolved-received evidence of e-consent - Due Diligence Vendor-06/01/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/01/2022 <br>Open-Missing evidence of E-Consent - Due Diligence Vendor-05/27/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/01/2022<br>| Resolved-received evidence of e-consent - Due Diligence Vendor-06/01/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |
| 408072647 | Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-06/21/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022 <br> Open-Missing Hazard Insurance Policy Missing HO3 policy for subject property. Lender used monthly $xxx. This amount matches the departing residence policy amount located on Cr2-383. - Due Diligence Vendor-06/08/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022<br>| Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-06/21/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.41% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408072647 | Acknowledged-Worksheets for all income sources with exception to Rental calculation are in file; investor accommodation issued to waive the latter. - Due Diligence Vendor-06/13/2022 <br>Ready for Review-RWT elects to waive missing rental income calculation - Seller-06/13/2022 <br>Counter-Worksheets for all sources are now in evidence, with exception to Rental Income- please provide. - Due Diligence Vendor-06/13/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/13/2022 <br>Open-Missing income calculation worksheet for B1 and B2 W2, B1 bonus income, and rental income (loss). - Due Diligence Vendor-06/08/2022 | Ready for Review-RWT elects to waive missing rental income calculation - Seller-06/13/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/13/2022<br>| Acknowledged-Worksheets for all income sources with exception to Rental calculation are in file; investor accommodation issued to waive the latter. - Due Diligence Vendor-06/13/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.41% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408072748 | Resolved-Supplement provided confirming payment as listed on final application. - Due Diligence Vendor-06/21/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022 <br> Open-Missing xxx HELOC #xxx credit supplement to support HELOC monthly payment for primary residence with balance of $xxx used for asset qualification. Final 1003 reflects monthly payment of $xxx. - Due Diligence Vendor-06/16/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022<br>| Resolved-Supplement provided confirming payment as listed on final application. - Due Diligence Vendor-06/21/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408072748 | Resolved-\*\*\*Received initial CD issued 5/19/22. - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022 <br>Open-\*\*\*\*The initial not provided in the loan file. Compliance /TRID review incomplete - Lender to provide initial CD disclosed to borrower within 3 business days of the consummation date. - Due Diligence Vendor-06/15/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022<br>| Resolved-\*\*\*Received initial CD issued 5/19/22. - Due Diligence Vendor-06/17/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408072748 | Resolved-\*\*\*Received Loan Estimate issued 5/10/22. - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022 <br>Open-\*\*\*\*\*Initial Loan Estimate not provided in loan file. Compliance /TRID review incomplete - Lender to provide Loan Estimate disclosed to borrower within 3 business days of the application date. - Due Diligence Vendor-06/15/2022 <br>Open- - Due Diligence Vendor-06/15/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/17/2022<br>| Resolved-\*\*\*Received Loan Estimate issued 5/10/22. - Due Diligence Vendor-06/17/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
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| 408073234 | Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Credit Report increased on the final CD. Lender to provide explanation. - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022<br>| Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022<br>|  |  |
| 408073234 | Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*Credit Report increased on the final CD. Lender to provide explanation. - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022<br>| Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022<br>|  |  |
| 408073234 | Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). \*\*\*\*\*Credit Report increased on the final CD. Lender to provide explanation. - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/25/2022<br>| Resolved-Received Mailing label, PCCD, copy of refund check - Due Diligence Vendor-08/25/2022<br>|  |  |
| 408073445 | Resolved-Executed Payoff Statement provided at resubmission requesting lienholder to close line of credit. - Due Diligence Vendor-09/01/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/31/2022 <br> Open-Missing auth to close HELOC with xxx with balance of $xxx, paid at closing. Payoff in file (Cr pack 2-page 342) is not signed. - Due Diligence Vendor-08/29/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/31/2022<br>| Resolved-Executed Payoff Statement provided at resubmission requesting lienholder to close line of credit. - Due Diligence Vendor-09/01/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - xxx Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - xxx Years |  |
| 408073445 | Resolved-Received PCCD - Due Diligence Vendor-08/31/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/31/2022 <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The final CD has a disbursement date of 8/23/22 which does not adhere to the 3 day cooling period. Lender to provide explanation. - Due Diligence Vendor-08/29/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/31/2022<br>| Resolved-Received PCCD - Due Diligence Vendor-08/31/2022<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - xxx Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - xxx Years |  |
| 408073342 |  |  |  |  |  |
| 408073575 |  |  |  |  |  |
| 408073580 | Resolved-Mavent report matching final loan details provided affirming lender validated QM status. - Due Diligence Vendor-09/23/2022 <br>Ready for Review-Document Uploaded. Doc uploaded - Seller-09/22/2022 <br>Open-Missing Mavent report or Other Compliance testing report determining safe harbor or rebuttable presumption - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. Doc uploaded - Seller-09/22/2022<br>| Resolved-Mavent report matching final loan details provided affirming lender validated QM status. - Due Diligence Vendor-09/23/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.05% Is Below The Guideline Maximum Of 50% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - xxx Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - xxx Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - xxx Years |  |
| 408073352 | Acknowledged-Income and Employment Do Not Meet Guidelines Exception request in file (Exception_Req_8) approved by Redwood 8/25/2022. Exception for Annual Bonus Income paused since aquisition and to be paid March 2023. Annual Bonus received and averaged 2020-2021 but no 2022 Bonus to be received.<br> Approval is subject to 1) Select 30 YR Fixed Only, 2) 2020/2021 Bonus Income must be averaged over 36 months for qualifying (2022 YTD is One-Time Bonus), 3) Verification of all Data Submitted and 4) All other standard RWT guides apply<br> Max LTV/CLTV= 80%, Reserve minimum= $1.2M and Max DTI 49.99% - Due Diligence Vendor-09/19/2022 |  | Acknowledged-Income and Employment Do Not Meet Guidelines Exception request in file (Exception_Req_8) approved by Redwood 8/25/2022. Exception for Annual Bonus Income paused since aquisition and to be paid March 2023. Annual Bonus received and averaged 2020-2021 but no 2022 Bonus to be received.<br> Approval is subject to 1) Select 30 YR Fixed Only, 2) 2020/2021 Bonus Income must be averaged over 36 months for qualifying (2022 YTD is One-Time Bonus), 3) Verification of all Data Submitted and 4) All other standard RWT guides apply<br> Max LTV/CLTV= 80%, Reserve minimum= $1.2M and Max DTI 49.99% - Due Diligence Vendor-09/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.2% Is Less Than The Guideline Maximum Of 49.99% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - xxx Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of xxx Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - xxx Years | Strong Credit and Housing History; Strong Employment History xxx+ Years with Employer. |
| 408073508 |  |  |  |  |  |
| 408073680 |  |  |  |  |  |
| 408073699 |  |  |  |  |  |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 408070989 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 408071506 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408070803 | 408070803 xxx residual income worksheet.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408070803 | 70803_xxx Econsent.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408071577 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA |  |  |
| 408072066 | 408072066 - Lender Rebuttal - xxx .jpg | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072066 | 72066_xxx CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072066 | 72066_xxx CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072066 | 72066_xxx CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072066 | 72066_xxx CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072066 | 72066_xxx CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071826 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| 408071826 | 408071826_xxx_CREDIT REPORT 2.pdf<br> 408071826_xxx_CREDIT REPORT.pdf<br> 408071826_xxx_RE CREDIT.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 408071826 | 408071826_xxx_xxx6082-4_2022-edj-statement.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 408071878 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | KY | Primary Residence | Purchase | NA |  |  |
| 408071733 | 408071733 xxx initial CD tracking disclosure.pdf<br> 408071733 xxx initial CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 408071733 | 408071733 xxx initial CD tracking disclosure.pdf<br> 408071733 xxx initial CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 408071733 | 408071733 xxx initial CD tracking disclosure.pdf<br> 408071733 xxx initial CD.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 408071733 | 408071733 xxx initial CD.pdf<br> 408071733 xxx initial CD tracking disclosure.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 408071733 | 408071733 xxx initial CD.pdf<br> 408071733 xxx initial CD tracking disclosure.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OR | Primary Residence | Purchase | NA | N/A | N/A |
| 408071791 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Second Home | Purchase | NA |  |  |
| 408072041 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408071879 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Second Home | Purchase | NA |  |  |
| 408071566 | 408071566_xxx_purchase contract.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | NY | Primary Residence | Purchase | NA | N/A | N/A |
| 408071566 | 408071566_xxx_affiliated business discl..pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | NY | Primary Residence | Purchase | NA | N/A | N/A |
| 408071566 | 408071566_xxx_econsent.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | NY | Primary Residence | Purchase | NA | N/A | N/A |
| 408071779 | 408071779_xxx_Title.pdf<br> 408071779_xxx_PRELIM.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408071779 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408071779 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408072709 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408071943 | 408071943_xxx_E-disc..pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | MO | Second Home | Purchase | NA | N/A | N/A |
| 408072596 | xxx_408072596_SPL.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072382 | 408072382_xxx_E-Disclosure.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408072647 | 408072647_xxx_xxx HOI.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072647 | 408072647_xxx_Income Calc. WS.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072748 | 408072748_xxx_xxx CREDIT SUPP HELOC.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072748 | 408072748_xxx_CD 05.19.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072748 | 408072748_xxx_LE 05.10.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072885 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Second Home | Purchase | NA |  |  |
| 408073234 | 408073234_xxx_trid refund.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 408073234 | 408073234_xxx_trid refund.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 408073234 | 408073234_xxx_trid refund.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA | N/A | N/A |
| 408073445 | 408073445_xxx _RE HELOC.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408073445 | 408073445_xxx_PCCD 08.29.22.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408073342 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Second Home | Purchase | NA |  |  |
| 408073575 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Second Home | Purchase | NA |  |  |
| 408073580 | xxx mavent.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408073352 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 408073508 |  | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CT | Primary Residence | Purchase | NA |  |  |
| 408073680 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA |  |  |
| 408073699 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | UT | Second Home | Purchase | NA |  |  |

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 408070989 | xxx |  | xxx C A |
| 408071506 | xxx |  | xxx A |
| 408070803 | xxx |  | xxx C D A |
| 408071577 | xxx |  | xxx A |
| 408072066 | xxx |  | xxx A C |
| 408071826 | xxx |  | xxx D A |
| 408071878 | xxx |  | xxx A |
| 408071733 | xxx |  | xxx A C |
| 408071791 | xxx |  | xxx A |
| 408072041 | xxx |  | xxx A |
| 408071879 | xxx |  | xxx A |
| 408071566 | xxx |  | xxx D A |
| 408071779 | xxx |  | xxx D A |
| 408072709 | xxx |  | xxx A |
| 408071943 | xxx |  | xxx A D |
| 408072596 | xxx |  | xxx A D |
| 408072382 | xxx |  | xxx A D |
| 408072647 | xxx |  | xxx D A |
| 408072748 | xxx |  | xxx D C A |
| 408072885 | xxx |  | xxx A |
| 408073234 | xxx |  | xxx A C |
| 408073445 | xxx |  | xxx D C A |
| 408073342 | xxx |  | xxx A |
| 408073575 | xxx |  | xxx A |
| 408073580 | xxx |  | xxx A C |
| 408073352 | xxx |  | xxx B A |
| 408073508 | xxx |  | xxx A |
| 408073680 | xxx |  | xxx A |
| 408073699 | xxx |  | xxx A |

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| |
|:---|
| **LOAN INFORMATION** |
| **Loan ID** |
| 408070989 C B A |
| 408071506 A |
| 408070803 D A |
| 408071577 A |
| 408072066 C A |
| 408071826 D B A |
| 408071878 A |
| 408071733 C A |
| 408071791 A |
| 408072041 A |
| 408071879 A |
| 408071566 D A |
| 408071779 D B A |
| 408072709 A |
| 408071943 D A |
| 408072596 D A |
| 408072382 D A |
| 408072647 D B A |
| 408072748 D A |
| 408072885 A |
| 408073234 C A |
| 408073445 D A |
| 408073342 A |
| 408073575 A |
| 408073580 C A |
| 408073352 B A |
| 408073508 A |
| 408073680 A |
| 408073699 A |

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** |
| 408070989 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071506 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408070803 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071577 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072066 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071826 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071878 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071733 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071791 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072041 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071879 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071566 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071779 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072709 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071943 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072596 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072382 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072647 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072748 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072885 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073234 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073445 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073342 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073575 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073580 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073352 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073508 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073680 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073699 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** |
| 408070989 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071506 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408070803 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071577 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072066 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071826 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071878 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071733 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071791 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072041 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071879 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071566 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071779 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072709 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071943 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072596 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072382 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072647 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072748 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072885 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073234 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073445 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073342 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073575 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073580 | 1004 URAR |  |  |  |  |  |  |  | xxx |  |  |
| 408073352 |  |  |  |  |  |  |  |  | xxx | xxx | xxx |
| 408073508 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073680 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073699 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **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** |
| 408070989 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408071506 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408070803 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408071577 | ClearCapital | Low | xxx |  |  |  |  |  |  |  |
| 408072066 | ClearCapital | Low | xxx |  |  |  |  |  |  |  |
| 408071826 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408071878 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408071733 | ClearCapital | Moderte | xxx |  |  |  |  |  |  |  |
| 408071791 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408072041 | ClearCapital | Low Risk | xxx |  |  |  |  |  |  |  |
| 408071879 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408071566 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408071779 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408072709 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408071943 | ClearCapital | Low Risk | xxx |  |  |  |  |  |  |  |
| 408072596 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408072382 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408072647 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408072748 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408072885 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408073234 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408073445 | Clear Capital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073342 | ClearCapital | Moderate | xxx |  |  |  |  |  |  |  |
| 408073575 | ClearCapital | Low | xxx |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |
| 408073352 | ClearCapital | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073508 | ClearCapital | Low Risk | xxx |  |  |  |  |  |  |  |
| 408073680 | ClearCapital | Low Risk | xxx |  |  |  |  |  |  |  |
| 408073699 | ClearCapital | Low Risk | xxx |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **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** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** |
| 408070989 |  |  |  |  |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 408070989 |  |  |  |  |  |  |  |
| 408071506 |  |  |  |  |  |  |  |
| 408070803 |  |  |  |  |  |  |  |
| 408071577 |  |  |  |  |  |  |  |
| 408072066 |  |  |  |  |  |  |  |
| 408071826 |  |  |  |  |  |  |  |
| 408071878 |  |  |  |  |  |  |  |
| 408071733 |  |  |  |  |  |  |  |
| 408071791 |  |  |  |  |  |  |  |
| 408072041 |  |  |  |  |  |  |  |
| 408071879 |  |  |  |  |  |  |  |
| 408071566 |  |  |  |  |  |  |  |
| 408071779 |  |  |  |  |  |  |  |
| 408072709 |  |  |  |  |  |  |  |
| 408071943 |  |  |  |  |  |  |  |
| 408072596 |  |  |  |  |  |  |  |
| 408072382 |  |  |  |  |  |  |  |
| 408072647 |  |  |  |  |  |  |  |
| 408072748 |  |  |  |  |  |  |  |
| 408072885 |  |  |  |  |  |  |  |
| 408073234 |  |  |  |  |  |  |  |
| 408073445 |  |  |  |  |  |  |  |
| 408073342 |  |  |  |  |  |  |  |
| 408073575 |  |  |  |  |  |  |  |
| 408073580 |  |  |  |  |  |  |  |
| 408073352 |  |  |  |  |  |  |  |
| 408073508 |  |  |  |  |  |  |  |
| 408073680 |  |  |  |  |  |  |  |
| 408073699 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** |
| 408070989 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071506 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408070803 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408071577 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072066 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071826 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071878 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071733 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071791 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072041 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408071879 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071566 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071779 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408072709 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071943 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072596 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072382 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072647 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072748 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072885 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073234 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073445 |  |  | xxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | Yes |
| 408073342 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073575 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073580 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073352 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073508 |  |  | xxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No |
| 408073680 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073699 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** |
| 408070989 | No | No | No |  | No | No | No | No | No | 8515 |
| 408071506 | No | No | No |  | No | No | No | No | No | 1490 |
| 408070803 | No | No | No |  | No | No | No | No | No | 3365 |
| 408071577 | No | No | No |  | No | No | No | No | No | 26050 |
| 408072066 | No | No | No |  | No | No | No | No | No | 800 |
| 408071826 | No | No | No |  | No | No | No | No | No | 10053 |
| 408071878 | No | No | No |  | No | No | No | No | No | 1045 |
| 408071733 | No | No | No |  | No | No | No | No | No | 5941.25 |
| 408071791 | No | No | No |  | No | No | No | No | No | 0 |
| 408072041 | No | No | No |  | No | No | No | No | No | 26590 |
| 408071879 | No | No | No |  | No | No | No | No | No | 5005.73 |
| 408071566 | No | No | No |  | No | No | No | No | No | 1295 |
| 408071779 | No | No | No |  | No | No | No | No | No | 9142 |
| 408072709 | No | No | No |  | No | No | No | No | No | 1490 |
| 408071943 | No | No | No |  | No | No | No | No | No | 1457.38 |
| 408072596 | No | No | No |  | No | No | No | No | No | 1595 |
| 408072382 | No | No | No |  | No | No | No | No | No | 1523 |
| 408072647 | No | No | No |  | No | No | No | No | No | 1595 |
| 408072748 | No | No | No |  | No | No | No | No | No | 9050.69 |
| 408072885 | No | No | No |  | No | No | No | No | No | 1790 |
| 408073234 | No | No | No |  | No | No | No | No | No | 3827.5 |
| 408073445 | No | No | No |  | No | No | No | No | No | 1590 |
| 408073342 | No | No | No |  | No | No | No | No | No | 5991.2 |
| 408073575 | No | No | No |  | No | No | No | No | No | 1590 |
| 408073580 | No | No | No |  | No | No | No | No | No | 1990 |
| 408073352 | No | No | No |  | No | No | No | No | No | 14673.4 |
| 408073508 | No | No | No |  | No | No | No | No | No | 1490 |
| 408073680 | No | No | No |  | No | No | No | No | No | 6372.7 |
| 408073699 | No | No | No |  | No | No | No | No | No | 1795 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** |
| 408070989 | 4.94 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071506 | 4.773 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408070803 | 4.917 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071577 | 5.388 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072066 | 4.91 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071826 | 5.708 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071878 | 4.953 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071733 | 5.426 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071791 | 4.921 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072041 | 4.894 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071879 | 5.07 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071566 | 5.073 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071779 | 5.455 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072709 | 5.493 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071943 | 5.658 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072596 | 5.524 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072382 | 5.009 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072647 | 5.642 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072748 | 5.693 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072885 | 5.567 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073234 | 5.919 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073445 | 6.862 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073342 | 6.335 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073575 | 5.924 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073580 | 5.637 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073352 | 5.349 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073508 | 6.807 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073680 | 6.828 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073699 | 7.774 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** |
| 408070989 | N/A | N/A | N/A |  | N/A | Employed |
| 408071506 | N/A | N/A | N/A |  | N/A | Employed |
| 408070803 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408071577 | N/A | N/A | N/A |  | N/A | Employed |
| 408072066 | N/A | N/A | N/A |  | N/A | Employed |
| 408071826 | N/A | N/A | N/A |  | N/A | Employed |
| 408071878 | N/A | N/A | N/A |  | N/A | Employed |
| 408071733 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408071791 | N/A | N/A | N/A |  | N/A | Employed |
| 408072041 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408071879 | N/A | N/A | N/A |  | N/A | Employed |
| 408071566 | N/A | N/A | N/A |  | N/A | Employed |
| 408071779 | N/A | N/A | N/A |  | N/A | Employed |
| 408072709 | N/A | N/A | N/A |  | N/A | Employed |
| 408071943 | N/A | N/A | N/A |  | N/A | Employed |
| 408072596 | N/A | N/A | N/A |  | N/A | Employed |
| 408072382 | N/A | N/A | N/A |  | N/A | Employed |
| 408072647 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408072748 | N/A | N/A | N/A |  | N/A | Employed |
| 408072885 | N/A | N/A | N/A |  | N/A | Employed |
| 408073234 | N/A | N/A | N/A |  | N/A | Employed |
| 408073445 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408073342 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408073575 | N/A | N/A | N/A |  | N/A | Employed |
| 408073580 | N/A | N/A | N/A |  | N/A | Employed |
| 408073352 | N/A | N/A | N/A |  | N/A | Employed |
| 408073508 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408073680 | N/A | N/A | N/A |  | N/A | Employed |
| 408073699 | N/A | N/A | N/A |  | N/A | Employed |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 408070989 |  | No |  | No | N/A |
| 408071506 | Not Employed | No | No | No | N/A |
| 408070803 |  | No |  | No | N/A |
| 408071577 | Employed | No | No | No | N/A |
| 408072066 | Employed | No | No | No | N/A |
| 408071826 | Employed | No | No | No | N/A |
| 408071878 |  | No |  | No | N/A |
| 408071733 | Employed | No | No | No | N/A |
| 408071791 | Not Employed | No | No | No | N/A |
| 408072041 | Employed | No | No | No | N/A |
| 408071879 | Employed | No | No | No | N/A |
| 408071566 |  | No |  | No | N/A |
| 408071779 | Employed | No | No | No | N/A |
| 408072709 |  | No |  | No | N/A |
| 408071943 | Employed | No | No | No | N/A |
| 408072596 | Employed | No | No | No | N/A |
| 408072382 | Employed | No | No | No | N/A |
| 408072647 | Employed | No | No | No | N/A |
| 408072748 | Not Employed | No | No | No | N/A |
| 408072885 | Employed | No | No | No | N/A |
| 408073234 |  | No |  | No | N/A |
| 408073445 | Not Employed | No | No | No | N/A |
| 408073342 | Employed | No | No | No | N/A |
| 408073575 |  | No |  | No | N/A |
| 408073580 | Not Employed | No | No | No | N/A |
| 408073352 |  | No |  | No | N/A |
| 408073508 |  | No |  | No | N/A |
| 408073680 | Not Employed | No | No | No | N/A |
| 408073699 |  | No |  | No | N/A |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 408070989 | Redwood Trust Flow | Note Date | notePage | xxx | xxx |  |
| 408071577 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408071577 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408072066 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408071878 | Redwood Trust Flow | Loan Amount/Draw Amount | notePage | xxx | xxx |  |
| 408071878 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408071878 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071791 | Redwood Trust Flow | Prepayment Penalty Total Term | notePage | xxx | xxx |  |
| 408072041 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071879 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071879 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071566 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071779 | Redwood Trust Flow | Prepayment Penalty Total Term | notePage | xxx | xxx |  |
| 408071779 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408071779 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071943 | Redwood Trust Flow | Property Type | propertyValuationPage | xxx | xxx |  |
| 408072596 | Redwood Trust Flow | Property Type | propertyValuationPage | xxx | xxx |  |
| 408072596 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408072647 | Redwood Trust Flow | Interest Rate | notePage | xxx | xxx |  |
| 408073445 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073342 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073342 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408073342 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408073575 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073575 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408073508 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408073508 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073699 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |

---

## Exhibit 99.10

---

| | |
|:---|:---|
| **EXHIBIT 99.10** | **AMC DILIGENCE, LLC ("AMC") DUE DILIGENCE EXECUTIVE SUMMARY**  |

---

![](tm231680d1_ex99-10img01.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in December 2021 through April 2022 on mortgage loans with origination dates in December 2021 through March 2022 via files imaged and provided by the original client for review.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 19 mortgage loans totaling an aggregate original principal balance of approximately $19.267 million.

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

AMC's Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. AMC does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population. As such, AMC cannot state the overall sample size.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt | &nbsp;&nbsp;Property Type |
|  | &nbsp;&nbsp;Ratio |  |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

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

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

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal 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.

**(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 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.

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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.

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><u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u></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><u>Tolerances (§§1026.18, 22 23, and 38):</u></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;

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ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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.

&nbsp;&nbsp;&nbsp;&nbsp;**(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 |

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

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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 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.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**(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 not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

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**SUMMARY OF FINDINGS AND CONCLUSIONS**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed on the Form ABS Due Diligence-15E.

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher.

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| | | | | |
|:---|:---|:---|:---|:---|
| | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | |
| <br>**Final Loan <br> Grade** | **Credit** | **Compliance** | **Property** | <br>**Overall** |
| A | 17 | 13 | 19 | 12 |
| B | 2 | 6 | 0 | 7 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **19** | **19** | **19** | **19** |

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| | | | | |
|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan <br> Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 89.47% | 68.42% | 100.00% | 63.16% |
| B | 10.53% | 31.58% | 0.00% | 36.84% |
| C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

The table below summarizes the individual exceptions which carried an associated "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").

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception**<br>&nbsp;&nbsp;**Type** | <br>&nbsp;&nbsp;**Exception Category** | <br>**Total** |
| &nbsp;&nbsp;Compliance B | &nbsp;&nbsp;TRID Defect | 6 |
|  | &nbsp;&nbsp;ECOA | 1 |
|  | &nbsp;&nbsp;ATR/QM Defect | 1 |
|  | &nbsp;&nbsp;RESPA | 1 |
|  | ***Total Compliance Grade (B) Exceptions:*** | ***9*** |
|  | **Total Compliance Exceptions:** | **9** |
| &nbsp;&nbsp;Credit B | &nbsp;&nbsp;Title | 1 |
|  | &nbsp;&nbsp;Guideline | 1 |
|  | &nbsp;&nbsp;Borrower and Mortgage Eligibility | 1 |
|  | ***Total Credit Grade (B) Exceptions:*** | ***3*** |
|  | **Total Credit Exceptions:** | **3** |
|  | &nbsp;&nbsp;**Grand Total:** | **12** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 19 mortgage loans reviewed, 12 mortgage loans had 27 different tape discrepancies across 6 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio, Original Term and Contract Sales Price. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| | | | | |
|:---|:---|:---|:---|:---|
| <br>&nbsp;&nbsp;**Field Label** | **Loans With**<br>**Discrepancy** | **Total Times**<br>**Compared** | **%**<br>**Variance** | **# Of**<br>**Loans** |
| &nbsp;&nbsp;# of Borrowers | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;# of Units | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Amortization Term | 0 | 9 | 0.00% | 19 |
| &nbsp;&nbsp;Amortization Type | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;Borrower First Name | 1 | 10 | 10.00% | 19 |
| &nbsp;&nbsp;Borrower Last Name | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Borrower Qualifying FICO | 0 | 9 | 0.00% | 19 |
| &nbsp;&nbsp;City | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | 0 | 6 | 0.00% | 19 |
| &nbsp;&nbsp;Contract Sales Price | 3 | 10 | 30.00% | 19 |
| &nbsp;&nbsp;First Payment Date | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | 10 | 10 | 100.00% | 19 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 2 | 19 | 10.53% | 19 |
| &nbsp;&nbsp;Lien Position | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;LTV Valuation Value | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Mortgage Type | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Occupancy | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;Original CLTV | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;Original Interest Rate | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Original Loan Amount | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Original LTV | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;Original Term | 10 | 10 | 100.00% | 19 |
| &nbsp;&nbsp;Property Type | 1 | 19 | 5.26% | 19 |
| &nbsp;&nbsp;Purpose | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;Refi Purpose | 0 | 4 | 0.00% | 19 |
| &nbsp;&nbsp;Representative FICO | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;State | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Street | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | 0 | 10 | 0.00% | 19 |
| &nbsp;&nbsp;Zip | 0 | 19 | 0.00% | 19 |
| &nbsp;&nbsp;**Total** | **27** | **360** | **7.50%** | **19** |

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**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

(some totals may not add due to rounding)

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| | | | | |
|:---|:---|:---|:---|:---|
| <br>&nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br>&nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of**<br>&nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Original**<br>&nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**% of**<br>&nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19267427.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19267427.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;21.05% | &nbsp;&nbsp;$3701000.00 | &nbsp;&nbsp;19.21% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.53% | &nbsp;&nbsp;$1937875.00 | &nbsp;&nbsp;10.06% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;52.63% | &nbsp;&nbsp;$9401348.00 | &nbsp;&nbsp;48.79% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;$4227204.00 | &nbsp;&nbsp;21.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |

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---

| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19267427.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;11 | &nbsp;&nbsp;57.89% | &nbsp;&nbsp;$11501517.00 | &nbsp;&nbsp;59.69% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;8 | &nbsp;&nbsp;42.11% | &nbsp;&nbsp;$7765910.00 | &nbsp;&nbsp;40.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;16 | &nbsp;&nbsp;84.21% | &nbsp;&nbsp;$14967427.00 | &nbsp;&nbsp;77.68% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.79% | &nbsp;&nbsp;$4300000.00 | &nbsp;&nbsp;22.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Compliance Reg** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Subject to TRID (A) | &nbsp;&nbsp;12 | &nbsp;&nbsp;63.16% | &nbsp;&nbsp;$12222222.00 | &nbsp;&nbsp;63.43% |
| &nbsp;&nbsp;Subject to TRID (B) | &nbsp;&nbsp;7 | &nbsp;&nbsp;36.84% | &nbsp;&nbsp;$7045205.00 | &nbsp;&nbsp;36.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Safe Harbor QM (Q-43) | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;$18267427.00 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;1**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Safe Harbor QM (Q-43) | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;$18267427.00 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](tm231680d1_ex99-10img01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;$17970223.00 | &nbsp;&nbsp;93.27% |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;$1297204.00 | &nbsp;&nbsp;6.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |
|  | &nbsp;&nbsp;**Loan** | &nbsp;&nbsp;**% of** | &nbsp;&nbsp;**Original** | &nbsp;&nbsp;**% of** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Loans** | &nbsp;&nbsp;**Balance** | &nbsp;&nbsp;**Balance** |
| &nbsp;&nbsp;Credit/Compliance - TRID | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19267427.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19267427.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.11

---

| | |
|:---|:---|
| **EXHIBIT 99.11** | **AMC LOAN SECURITIZATION REPORT SET**  |

---

![](image_001.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 12/22/2022 2:18:13 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** |
| {Redacted} | 408070357 | {Redacted} |  |  | B | A |  |
| {Redacted} | 408070386 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408070383 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070047 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070069 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408070087 | {Redacted} |  |  | A | B |  |
| {Redacted} | 408070155 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070176 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408070218 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070237 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070274 | {Redacted} |  |  | B | A |  |
| {Redacted} | 408070301 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408070404 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408071901 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408071899 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408071900 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408071907 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408071903 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408071905 | {Redacted} |  |  | C | A |  |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** |
| **AMC Loan ID** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| {Redacted} | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| {Redacted} | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

![](image_001.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 12/22/2022 2:18:13 PM** |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** |
| {Redacted} | 408070357 | {Redacted} |  | 24751170 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |
| {Redacted} | 408070357 | {Redacted} |  | 24751171 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan Title Outstanding Lien |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751295 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751296 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751297 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |
| {Redacted} | 408070386 | {Redacted} |  | 24751298 |  | 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 HOA/Condo Questionnaire. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408070386 | {Redacted} |  | 24751299 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751300 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751301 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |
| {Redacted} | 408070386 | {Redacted} |  | 24751302 |  | 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 [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408070069 | {Redacted} |  | 24824052 |  | 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 [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408070087 | {Redacted} |  | 24824138 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. |
| {Redacted} | 408070176 | {Redacted} |  | 24824273 |  | 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 [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408070218 | {Redacted} |  | 24824385 |  | 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 [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |
| {Redacted} | 408070274 | {Redacted} |  | 24824431 |  | 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. |
| {Redacted} | 408070301 | {Redacted} |  | 24824548 |  | 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 Tax Certification Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |
| {Redacted} | 408070301 | {Redacted} |  | 24824549 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Invoices not provided |  |
| {Redacted} | 408070404 | {Redacted} |  | 24842469 |  | 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. |
| {Redacted} | 408070404 | {Redacted} |  | 24842470 |  | 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 Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071901 | {Redacted} |  | 25473241 |  | 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. |
| {Redacted} | 408071901 | {Redacted} |  | 25473242 |  | 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. |
| {Redacted} | 408071901 | {Redacted} |  | 25473243 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing, WVOE provided was dated more than 90 days prior to closing. |
| {Redacted} | 408071901 | {Redacted} |  | 25473245 |  | 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 Rate Lock Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071899 | {Redacted} |  | 25473261 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |
| {Redacted} | 408071899 | {Redacted} |  | 25473262 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/31/2022 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted]). |
| {Redacted} | 408071899 | {Redacted} |  | 25473263 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |
| {Redacted} | 408071900 | {Redacted} |  | 25473265 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |
| {Redacted} | 408071900 | {Redacted} |  | 25473266 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. |
| {Redacted} | 408071900 | {Redacted} |  | 25473267 |  | 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 ___. |
| {Redacted} | 408071900 | {Redacted} |  | 25473268 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.06063% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |
| {Redacted} | 408071900 | {Redacted} |  | 25473269 |  | 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) Risk. |
| {Redacted} | 408071900 | {Redacted} |  | 25473270 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |
| {Redacted} | 408071900 | {Redacted} |  | 25473271 |  | 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 Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071907 | {Redacted} |  | 25473279 |  | 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 [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071907 | {Redacted} |  | 25473280 |  | 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[redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071907 | {Redacted} |  | 25473282 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  |
| {Redacted} | 408071903 | {Redacted} |  | 25473283 |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  |
| {Redacted} | 408071903 | {Redacted} |  | 25473285 |  | 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 [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |
| {Redacted} | 408071905 | {Redacted} |  | 25473325 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided |  |
| {Redacted} | 408071905 | {Redacted} |  | 25473326 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |
| {Redacted} | 408071905 | {Redacted} |  | 25473327 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** |
| {Redacted} | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-01-25): Final title provided. | 01/25/2022 |  |  |
| {Redacted} | Title Commitment verifies a lien of [redacted] filed on [redacted] by [redacted] however, the file is missing the Satisfaction of Lien, and/or the Final Title Policy to verify this lien was removed from the property and the subject loan was filed in a first lien position. |  |  |  | Reviewer Comment (2022-01-10): Received final title policy and associated. Exception cleared.<br>Buyer Comment (2022-01-07): Loan Policy<br>Buyer Comment (2022-01-07): E-Record First Deed | 01/10/2022 |  |  |
| {Redacted} | Borrower's income and employment was verified with a Written VOE dated [redacted], which is dated 23 business days from the Note date of [redacted]. File is missing a Verbal VOE dated no more than 10 business days prior to the note date as required by DU Condition #17. |  |  |  | Reviewer Comment (2022-01-05): Updated VVOE provided.<br>Buyer Comment (2022-01-05): see attached voe for both bwrs | 01/05/2022 |  |  |
| {Redacted} | Co-borrower's income and employment was verified with a Written VOE dated [redacted], which is dated 23 business days from the Note date of [redacted]. File is missing a Verbal VOE dated no more than 10 business days prior to the note date as required by DU Condition #17. |  |  |  | Reviewer Comment (2022-01-05): Updated VVOE provided.<br>Buyer Comment (2022-01-05): see attached voe for both bwrs | 01/05/2022 |  |  |
| {Redacted} | Final Closing Disclosure disclosed Estimated Property Costs over Year 1 of [redacted]. Estimated Property Costs are [redacted] per month, which equates to calculated Estimated Property Costs over Year 1 of [redacted]. Because the difference of [redacted] is greater than the [redacted] TRID tolerance, a Letter of Explanation and Corrected Closing Disclosure are required to cure this exception. |  |  |  | Reviewer Comment (2022-01-18): [redacted] received a PCCD correcting total property costs and LOE.<br>Buyer Comment (2022-01-17): please review and clear, pccd docs were uploaded.<br>Buyer Comment (2022-01-12): Please see corrected PCCD. <br> Based on the docs in the file - Tax [redacted] yr ([redacted] mo.), HOI [redacted] yr ([redacted] mo.), HOA [redacted] yr ([redacted] mo.) |  | 01/18/2022 |  |
| {Redacted} | HOA/Condo Questionnaire Fee was not disclosed on the Initial Loan Estimate, but disclosed as [redacted] in Section B on the Initial Closing Disclosure dated [redacted] and on the Final Closing Disclosure. COC issued on [redacted] disclosed the reason for the change as "Change in Amount financed; Settlement Charge" which are not valid reasons for the addition of the HOA/Condo Questionnaire Fee. Evidence of cure for the increase of [redacted] was not provided. |  |  |  | Reviewer Comment (2022-01-14): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery, Copy of Refund Check<br>Buyer Comment (2022-01-13): pccd docs with cure check<br>Reviewer Comment (2022-01-13): [redacted] received PCCD, LOE & proof of mailing for cure of [redacted] however we also require copy of refund check to cure the exception. Please provide copy of refund check.<br>Buyer Comment (2022-01-12): Please see attached. |  | 01/14/2022 |  |
| {Redacted} | Verified assets of [redacted] are insufficient to cover the DU qualifying assets of [redacted]. Shortage is due to a Grant of [redacted] was not verified in the file as required by DU Condition #30. |  |  |  | Reviewer Comment (2022-01-10): Received Gift letter of amount [redacted] and wire receipt as a proof for the same and associated, reserve requirement fulfill hence exception cleared.<br>Buyer Comment (2022-01-07): Good morning. Please review the attached memo, inbound wire for [redacted] gift and new DU certificate. The borrowers have fully documented more than sufficient qualifying assets to close the loan. Thank you. | 01/10/2022 |  |  |
| {Redacted} | Verified assets of [redacted] are insufficient to cover the funds needed for closing of [redacted]. Shortage is due to a Grant of [redacted] was not verified in the file as required by DU Condition #30. |  |  |  | Reviewer Comment (2022-01-10): Received Gift letter of amount [redacted] and wire receipt as a proof for the same and associated, reserve requirement fulfill hence exception cleared.<br>Buyer Comment (2022-01-07): Good morning. Please review the attached memo, inbound wire for [redacted] gift and new DU certificate. The borrowers have fully documented more than sufficient qualifying assets to close the loan. Thank you. | 01/10/2022 |  |  |
| {Redacted} | DU qualified the borrowers with an IRA account however, the IRA account was verified with only a one-page current account value dated [redacted]. File is missing 2 full months of statements as required by DU Condition #26. |  |  |  | Reviewer Comment (2022-01-10): Received gift letter of amount [redacted] and associated, IRA account value removed. Exception cleared<br>Buyer Comment (2022-01-07): Good morning. Please review the attached memo, inbound wire for [redacted] gift and new DU certificate. The borrowers have fully documented more than sufficient qualifying assets to close the loan. Thank you. | 01/10/2022 |  |  |
| {Redacted} | Ten Percent Fee Tolerance of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Recording Fee was disclosed as [redacted] on the Initial Loan Estimate, but disclosed as [redacted] on the Initial Closing Disclosure dated [redacted] and on the Final Closing Disclosure. COC issued on [redacted] disclosed the reason for the change as "Change in Amount financed; Settlement Charge" which are not valid reasons for the increase in the Recording Fee. Evidence of cure for the increase of [redacted]0 was not provided. |  |  |  | Reviewer Comment (2022-01-13): [redacted] received updated PCCD, LOE & final SS hence no further action required.<br>Buyer Comment (2022-01-12): The final Alta stmt from title reflected the recording fees as [redacted] and not [redacted]. | 01/13/2022 |  |  |
| {Redacted} | Tolerance violation for increased title fees (Settlement, Wire, and Recording fee) on [redacted] without a valid COC. Fees were included in section B and were subject to 10%. |  |  |  | Reviewer Comment (2022-02-09): [redacted] received PCCD dated [redacted] and LOE moving Title fees to sec C, hence there is no tolerance violation.<br>Buyer Comment (2022-02-09): [redacted] See attachment. | 02/09/2022 |  |  |
| {Redacted} |  |  |  |  |  |  |  | 02/25/2022 |
| {Redacted} | The Appraisal fee increased from [redacted] to [redacted] on [redacted] . A valid Change of Circumstance was not provided and a cure in the amount of [redacted] was missing. |  |  |  | Reviewer Comment (2022-02-15): [redacted] upon further review received a valid COC dated [redacted] for Appraisal fee increases.<br>Buyer Comment (2022-02-14): see attached<br>Buyer Comment (2022-02-14): See attached CIC response and review to clear condition. | 02/15/2022 |  |  |
| {Redacted} |  |  |  |  | Reviewer Comment (2022-02-10): Sufficient Cure Provided At Closing |  | 02/10/2022 |  |
| {Redacted} |  |  |  |  | Reviewer Comment (2022-02-25): . |  |  | 02/25/2022 |
| {Redacted} |  |  |  |  | Reviewer Comment (2022-02-10): Sufficient Cure Provided At Closing |  | 02/10/2022 |  |
| {Redacted} | An appraisal invoice was not provided for review to confirm the Appraisal Management services fee of [redacted]. |  |  |  | Reviewer Comment (2022-02-16): Received invoice document and associated. Exception cleared.<br>Buyer Comment (2022-02-15): Please see the attached appraisal invoice | 02/16/2022 |  |  |
| {Redacted} | File is missing the Initial Closing Disclosure sent to and executed by the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-02-01): [redacted] received [redacted] CD.<br>Buyer Comment (2022-01-28): [redacted] | 02/01/2022 |  |  |
| {Redacted} | No valid changed circumstance or cure to cover tolerance at closing was provided in the file for increase in survey fee from [redacted] |  |  |  | Reviewer Comment (2022-02-02): [redacted] received LOE.Upon further review there is no tolerance violation.<br>Buyer Comment (2022-02-01): Please see attached rebuttal. Borrower shopped for fees. | 02/02/2022 |  |  |
| {Redacted} | Appraisal was delivered to borrower on [redacted] which occurred after the appraisal effective date of [redacted]. This date, however, occurred prior to the appraisal report date of [redacted]. There is no evidence that an updated appraisal was delivered to the borrower. |  |  |  | Buyer Comment (2022-03-24): [redacted] |  |  | 03/24/2022 |
| {Redacted} | Missing income documents prohibit proper QM Compliance testing on the file. |  |  |  | Reviewer Comment (2022-04-04): Recent paystubs provided for the Borrower[redacted], Exception cleared.<br>Buyer Comment (2022-03-31): paystub<br>Reviewer Comment (2022-03-30): Recent paystubs are provided for the Co-borrower [redacted], documents associated. However, we still need to have recent paystubs or WVOE for the borrower [redacted]. Exception remains.<br>Buyer Comment (2022-03-29): see attached income docs | 04/04/2022 |  |  |
| {Redacted} | The most recent pay stubs in file for both borrowers were dated [redacted] and the most recent WVOE was dated [redacted], occurring more than 90 days before closing. File is missing a copy pay stubs or a WVOE dated within 90 days of closing. |  |  |  | Reviewer Comment (2022-04-04): Recent paystubs provided for the Borrower [redacted], Exception cleared.<br>Buyer Comment (2022-03-31): paystub<br>Reviewer Comment (2022-03-30): Recent paystubs are provided for the Co-borrower [redacted], documents associated. However, we still need to have recent paystubs or WVOE for the borrower [redacted]. Exception remains.<br>Buyer Comment (2022-03-29): see attached income docs | 04/04/2022 |  |  |
| {Redacted} | No valid COC provided for increase in extension fee on CD dated [redacted]. |  |  |  | Reviewer Comment (2022-03-30): [redacted] received CD dated [redacted].<br>Buyer Comment (2022-03-28): 3 rate lock extensions - 2 day, 30 day, 30 day and the rate lock form that matches.<br>Reviewer Comment (2022-03-28): [redacted] upon further review Rate Lock Fee added [redacted] on Final CD dated [redacted]. However, there is no COC provided why the fee added on Final CD. So kindly provide a COC with valid information why the fee [redacted] added on Final CD [redacted] or provide Cure.<br>Buyer Comment (2022-03-25): COC's for both rate locks/rate lock form<br>Reviewer Comment (2022-03-25): [redacted] received COC dated[redacted]. However there is no CD within 3 business days from COC dated [redacted]. 30 day lock extension fee of $[redacted] is added on final CD dated [redacted]. Please provide if any CD was issued corresponding to COC dated [redacted] or provide valid COC for CD dated [redacted] or provide cure.<br>Buyer Comment (2022-03-24): see attached coc | 03/30/2022 |  |  |
| {Redacted} | This file was missing a copy of VVOE dated within 10 days prior to Note date as required by DU. VVOE is dated on [redacted], which is after the Note date. |  |  |  | Reviewer Comment (2022-02-14): VVOE provided on [redacted] and the disbursement date is [redacted], the VVOE is obtained at the time of loan delivery , this meets the guideline. Exception cleared.<br>Buyer Comment (2022-02-10): see attachment, thanks.<br>Reviewer Comment (2022-02-09): VVOE provided is dated after close. Per AUS VVOE must be within 10 days prior to Note date. Exception remains.<br>Buyer Comment (2022-02-08): VOE | 02/14/2022 |  |  |
| {Redacted} | Final Closing Disclosure reflects Finance Charge of [redacted] but calculated Finance Charge of [redacted]. Variance = [redacted]. The file does not contain an itemization or compliance report to determine which fees are included in finance charges by lender. |  |  |  | Reviewer Comment (2022-02-14): [redacted] received [redacted] CD within 30 days of closing.<br>Buyer Comment (2022-02-10): attached loe&pccd with processing fee moved to section H and included in APR. thanks<br>Buyer Comment (2022-02-10): attached is the compliance report. please review and advise. | 02/14/2022 |  |  |
| {Redacted} | VVOE provided is dated after close. Per AUS VVOE must be within 10 days prior to Note date. |  |  |  | Reviewer Comment (2022-02-14): VVOE provided on [redacted] and the disbursement date is [redacted], the VVOE is obtained at the time of loan delivery , this meets the guideline. Exception cleared.<br>Buyer Comment (2022-02-10): see attachment, thanks | 02/14/2022 |  |  |
| {Redacted} | Income and employment for the borrower's second job was verified with a Work Number dated [redacted], which is dated 33 business days from the Note date of [redacted]. File is missing a Verbal VOE dated no more than 10 business days prior to the note date as required by DU Condition #14. |  |  |  | Reviewer Comment (2022-02-17): Received the VVOE for the borrower's second job dated 2 days prior to closing.<br>Buyer Comment (2022-02-16): Please see VOE | 02/17/2022 |  |  |
| {Redacted} | DU qualified the borrower with a DTI of 41.98% which did not include an auto loan payment of [redacted]. File contains an auto loan payoff statement however, is missing evidence the loan was actually paid off as required by DU Condition #11. The payment of [redacted] had been added back to the debts resulting in a DTRI of 47.06%. Because the DTI increase of 5.08% exceeds the DU DTI Tolerance of 3.00%, resubmission to DU is required. Upon receipt of the resubmitted DU, additional conditions may apply. | The representative FICO score is above 680.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Borrower have[redacted] ({Redacted} months) reserves after closing. Guideline requires 6 months or [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-02-24): Client approved an exception to allow a DTI up to[redacted]% with compensating factors.<br>Buyer Comment (2022-02-18): Good morning. Please the attached approved exception form, from our [redacted]. I ask that you please clear and/or waive this suspense condition. Thank you. |  |  | 02/24/2022 |
| {Redacted} | Borrower was qualified with a DTI of 44.717% which did not include an auto loan payment of [redacted]. File contains an auto loan payoff statement however, is missing evidence the loan was actually paid off as required by DU Condition #11. The payment of [redacted] has been added back to the debts resulting in a DTRI of 47.06%, which exceeds the [redacted] maximum DTI of 45.00%. | The representative FICO score is above 680.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Borrower have[redacted] ({Redacted} months) reserves after closing. Guideline requires 6 months or [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-02-24): Client approved an exception to allow a DTI up to[redacted]% with compensating factors.<br>Buyer Comment (2022-02-18): Good morning. Please the attached approved exception form, from our [redacted]. I ask that you please clear and/or waive this suspense condition. Thank you. |  |  | 02/24/2022 |
| {Redacted} | Borrower was qualified with a DTI of 44.717% which did not include an auto loan payment of [redacted]. File contains an auto loan payoff statement however, is missing evidence the loan was actually paid off as required by DU Condition #11. The payment of [redacted] has been added back to the debts resulting in a DTRI of 47.06%, which exceeds the [redacted] maximum DTI of 45.00%. | The representative FICO score is above 680.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Qualifying FICO of {Redacted} exceeds the guideline minimum FICO of 680 by {Redacted} points.<br>Borrower have[redacted] ({Redacted} months) reserves after closing. Guideline requires 6 months or [redacted] | SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-02-24): Client approved an exception to allow a DTI up to[redacted]% with compensating factors.<br>Buyer Comment (2022-02-18): Good morning. Please the attached approved exception form, from our [redacted]. I ask that you please clear and/or waive this suspense condition. Thank you. |  |  | 02/24/2022 |
| {Redacted} | Due to missing proof an auto loan was paid off and a DTI of [redacted], the subject loan is at QM (APOR) Risk. |  |  |  | Reviewer Comment (2022-02-24): Loan is SHQM (APOR).<br>Buyer Comment (2022-02-18): Good morning. Please the attached approved exception form, from our [redacted]. I ask that you please clear and/or waive this suspense condition. Thank you. | 02/24/2022 |  |  |
| {Redacted} | Due to missing proof an auto loan was paid off and a DTI of [redacted], the subject loan is at QM (APOR) Risk. |  |  |  | Reviewer Comment (2022-02-24): Client approved an exception to allow a DTI up to[redacted]% with compensating factors.<br>Buyer Comment (2022-02-18): Good morning. Please the attached approved exception form, from our [redacted]. I ask that you please clear and/or waive this suspense condition. Thank you. | 02/24/2022 |  |  |
| {Redacted} | Appraisal Review Fee was not disclosed on the Initial Loan Estimate, but disclosed as [redacted] on the revised Loan Estimate dated [redacted] and on the Final Closing Disclosure. COC issued on [redacted] disclosed the reason for the change as "Appraisal Fee came back higher due to the size of the lot" however, the COC did not disclose what new information warranted the addition of the Appraisal Review Fee. Evidence of cure for the increase of [redacted] was not provided. |  |  |  | Reviewer Comment (2022-02-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-02-23): Please see Post Consummation CD with Refund to Borrower |  | 02/24/2022 |  |
| {Redacted} | Appraisal Fee was disclosed as $[redacted] on the Initial Loan Estimate, but disclosed as ${Redacted} on the Final Closing Disclosure without a valid Change of Circumstance. Cure of ${Redacted} disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling [redacted]. |  |  |  | Reviewer Comment (2022-03-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-03-01): cure docs attached.<br>Reviewer Comment (2022-02-22): SitusAMC upon further review need additional information on COC dated [redacted] to justify the reason why fee was increased on LE dated [redacted] or need additional cure of [redacted].<br>Buyer Comment (2022-02-18): see attachment, thanks<br>Reviewer Comment (2022-02-14): SitusAMC : Appraisal fee increased from $[redacted] to $[redacted] on LE dated 01/10/2022 and the corresponding COC present for that date only mentions about rate lock which in this case do not justify the increase in appraisal fee. In order to determine if the changed circumstance is valid more information is necessary justifying why the fee was increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2022-02-11): please review the attachment, thanks. |  | 03/02/2022 |  |
| {Redacted} | Transfer Taxes were disclosed as ${Redacted} on the Initial Loan Estimate, but disclosed as [redacted]0 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of ${Redacted} disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling [redacted]. |  |  |  | Reviewer Comment (2022-03-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-03-01): cure docs attached, thanks.<br>Reviewer Comment (2022-02-22): SitusAMC: Cure provided at closing is insufficient to cure for all the citing (additional exception is appraisal fee) exception. Exception will be cleared once we get resolution for other exception. Exception remains.<br>Buyer Comment (2022-02-18): please see attachment.<br>Reviewer Comment (2022-02-14): SitusAMC : Transfer tax increased from [redacted] to [redacted] on LE dated [redacted] and again to[redacted] on CD dated [redacted].The corresponding COC present for the respective dates only mentions about rate lock (COC dated [redacted]) and change in settlement chanrge (for COC dated[redacted]) which in this case do not justify the increase in transfer tax in either cases. In order to determine if the changed circumstance is valid more information is necessary justifying why the fee was increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2022-02-11): please review attachment, thanks. |  | 03/02/2022 |  |
| {Redacted} | File is missing copy of lenders rate lock. |  |  |  | Reviewer Comment (2022-02-14): Lender's Rate lock provided, exception cleared.<br>Buyer Comment (2022-02-10): attached, thanks | 02/14/2022 |  |  |
| {Redacted} | File is missing Borrower Attestation for COVID-19. |  |  |  | Reviewer Comment (2022-02-23): Attestation provided.<br>Buyer Comment (2022-02-22): Please see COVID Attestation | 02/23/2022 |  |  |
| {Redacted} | Appraisal Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. COC in file dated [redacted] however no corresponding LE provided. |  |  |  | Reviewer Comment (2022-02-28): [redacted] Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Buyer Comment (2022-02-25): TRID items<br>Reviewer Comment (2022-02-23): [redacted] has received LE and COC dated [redacted]. COC only indicates "increase in Appraisal fee. No information on what change necessitated the increase of the fee was provided. Additional information on the change is required to determine if fee can be rebaselined or provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2022-02-22): Please see LE |  | 02/28/2022 |  |
| {Redacted} | Subject property is a second home. File is missing the Second Home Rider attached to the Mortgage. |  |  |  | Reviewer Comment (2022-04-13): Second Home Rider has been provided. Exception is cleared.<br>Buyer Comment (2022-04-12): Second Home Rider | 04/13/2022 |  |  |
| {Redacted} | Subject loan was approved under the [redacted] program. File is missing the DU Findings with Casefile ID [redacted] as reflected on the 1008. Upon receipt of the missing DU Findings, additional conditions may apply. |  |  |  | Reviewer Comment (2022-04-14): AUS has been provided, slight variance in income however DTI is within [redacted] tolerance. Exception cleared.<br>Buyer Comment (2022-04-13): Please see the DU Findings<br>Buyer Comment (2022-04-13): AUS Findings | 04/14/2022 |  |  |
| {Redacted} | File is missing the [redacted] Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-04-13): [redacted] has been provided. Exception cleared.<br>Buyer Comment (2022-04-12): Lock | 04/13/2022 |  |  |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** |
| {Redacted} | 1 A |  | WA | Primary | Refinance - Cash-out - Other |  |
| {Redacted} | 1 B A |  | WA | Primary | Refinance - Cash-out - Other |  |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure |
| {Redacted} | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 C A |  | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 2 B |  | NC | Primary | Purchase |  |
| {Redacted} | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure |
| {Redacted} | 2 B |  | NV | Primary | Purchase |  |
| {Redacted} | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure |
| {Redacted} | 1 C A |  | FL | Primary | Purchase |  |
| {Redacted} | 1 C A |  | FL | Second Home | Purchase | No Defined Cure |
| {Redacted} | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 2 B |  | CO | Primary | Purchase |  |
| {Redacted} | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status |
| {Redacted} | 1 C A |  | CO | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 C A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | CA | 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 if Applicable |
| {Redacted} | 1 A |  | CA | Primary | Purchase |  |
| {Redacted} | 1 C A |  | MA | Primary | Purchase |  |
| {Redacted} | 2 C B |  | MA | Primary | Purchase |  |
| {Redacted} | 2 C B |  | MA | Primary | Purchase |  |
| {Redacted} | 2 C B |  | MA | Primary | Purchase |  |
| {Redacted} | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status |
| {Redacted} | 1 C A |  | MA | Primary | Purchase |  |
| {Redacted} | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 C A |  | FL | Primary | Purchase |  |
| {Redacted} | 1 C A |  | NC | Second Home | Refinance - Cash-out - Other |  |
| {Redacted} | 2 C B |  | NC | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
| {Redacted} | 1 C A |  | WY | Second Home | Refinance - Rate/Term |  |
| {Redacted} | 1 C A |  | WY | Second Home | Refinance - Rate/Term |  |
| {Redacted} | 1 C A |  | WY | Second Home | Refinance - Rate/Term |  |

---

---

| | | | |
|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| {Redacted} B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| {Redacted} C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| {Redacted} C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| {Redacted} C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

![](image_001.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 12/22/2022 2:18:13 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** |
| {Redacted} | 408070357 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070386 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070383 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070047 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070069 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070087 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070155 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070176 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070218 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070237 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070274 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070301 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070404 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071901 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071899 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071900 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071907 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071903 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071905 | {Redacted} |  |  |  |  |  |  | 0.000% |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** |
| **SitusAMC Loan ID** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  | Appraisal |  |  | {Redacted} |  |  | Desk Review |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** |
| **SitusAMC Loan ID** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **FIELD 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** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** |
| **SitusAMC Loan ID** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |
| **SitusAMC Loan ID** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | |
|:---|:---|:---|
| **LOAN INFORMATION** |  |  |
| **SitusAMC Loan ID** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| {Redacted} | No | {Redacted} |
| {Redacted} | Yes | {Redacted} |
| {Redacted} | Yes | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A |  |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | N/A | {Redacted} |
| {Redacted} | Yes | {Redacted} |
| {Redacted} | No | {Redacted} |
| {Redacted} | No | {Redacted} |
| {Redacted} | No | {Redacted} |
| {Redacted} | Yes | {Redacted} |
| {Redacted} | No | {Redacted} |
| {Redacted} | No | {Redacted} |

---

![](image_001.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 12/22/2022 2:18:14 PM** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** |
| {Redacted} | 408070357 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $1490.00 | $7404.76 |  | 3.420% | $4420.96 | $4420.96 | {Redacted} |
| {Redacted} | 408070386 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $13360.13 | $14534.48 |  | 4.634% | $4771.00 | $4771.00 | {Redacted} |
| {Redacted} | 408070383 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $1295.00 | $2055.72 |  | 3.764% | $4538.53 | $4538.53 | {Redacted} |
| {Redacted} | 408070047 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $14819.53 | $16619.11 |  | 3.378% | $4207.91 | $4207.91 | {Redacted} |
| {Redacted} | 408070069 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $13073.76 | $25233.12 |  | 3.228% | $2296.18 | $2296.18 | {Redacted} |
| {Redacted} | 408070087 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $18364.35 | $23946.93 |  | 3.504% | $3093.97 | $3093.97 | {Redacted} |
| {Redacted} | 408070155 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $7879.00 | $16677.75 |  | 3.248% | $4048.15 | $4048.15 | {Redacted} |
| {Redacted} | 408070176 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $16957.50 | $14174.01 |  | 3.384% | $3211.83 | $3211.83 | {Redacted} |
| {Redacted} | 408070218 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $23278.79 | $25601.59 |  | 3.645% | $5825.03 | $5825.03 | {Redacted} |
| {Redacted} | 408070237 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $17632.42 | $19328.00 |  | 3.450% | $3290.16 | $3290.16 | {Redacted} |
| {Redacted} | 408070274 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $21525.23 | $23056.39 |  | 3.872% | $3382.42 | $3382.42 | {Redacted} |
| {Redacted} | 408070301 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $20729.39 | $23178.59 |  | 3.746% | $3209.35 | $3209.35 | {Redacted} |
| {Redacted} | 408070404 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $6452.50 | $9032.82 |  | 3.793% | $6252.06 | $6252.06 | {Redacted} |
| {Redacted} | 408071901 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $21511.00 | $22519.16 |  | 4.047% | $4852.85 | $4852.85 | {Redacted} |
| {Redacted} | 408071899 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $20503.19 | $22901.19 |  | 4.072% | $4566.00 | $4566.00 | {Redacted} |
| {Redacted} | 408071900 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $1985.00 | $3480.00 |  | 3.509% | $5496.31 | $5496.31 | {Redacted} |
| {Redacted} | 408071907 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $18910.50 | $23231.36 |  | 4.620% | $7068.26 | $7068.26 | {Redacted} |
| {Redacted} | 408071903 | {Redacted} |  | Safe Harbor QM (43-Q) |  | Yes | No | $2574.00 | $3402.43 |  | 4.016% | $4774.15 | $4774.15 | {Redacted} |
| {Redacted} | 408071905 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $2473.00 | $6253.27 |  | 3.132% | $8353.32 | $8353.32 | {Redacted} |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** |
| {Redacted} | No | No | Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| {Redacted} | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| {Redacted} | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** |
| {Redacted} |  |  |  |  |  | $7297.68 | 1 | $11247.36 | $1497.00 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $10117.31 | 1 | $9013.32 | $1782.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $65582.66 | 1 | $10784.64 | $10980.00 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $24079.47 | 1 | $4238.76 | $4136.04 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $4167.18 | 1 | $6008.28 | $4590.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $9768.89 | 1 | $4704.60 | $2244.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $20740.41 | 1 | $29417.04 | $3526.92 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $7618.25 | 1 | $3414.24 | $2805.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $29410.65 | 1 | $10788.60 | $1725.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $9713.57 | 1 | $5207.04 | $2244.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $9926.06 | 1 | $3785.40 | $1338.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $15213.63 | 1 | $11261.76 | $4191.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $13904.53 | 1 | $6533.40 | $8524.44 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $11562.51 | 1 | $3657.72 | $3516.96 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $15907.77 | 1 | $15559.68 | $1299.00 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $15306.19 | 1 | $15897.12 | $1841.04 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $12314.12 | 1 | $17698.32 | $2002.68 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $15848.40 | 1 | $3025.92 | $3910.92 |  |  |  |  |
| {Redacted} |  |  |  |  |  | $50869.73 | 1 | $12830.76 | $1656.96 |  |  |  |  |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** |
| {Redacted} |  | 44.575% | 44.575% | 44.575% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 42.401% | 42.401% | 42.401% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 21.301% | 21.301% | 21.301% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 29.020% | 29.020% | 29.020% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 43.278% | 43.278% | 43.278% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 30.256% | 30.256% | 30.256% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 43.017% | 43.017% | 43.017% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 41.169% | 41.169% | 41.169% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 24.910% | 24.910% | 24.910% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 44.915% | 44.915% | 44.915% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 40.759% | 40.759% | 40.759% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 37.047% | 37.047% | 37.047% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 44.353% | 44.353% | 44.353% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 43.367% | 43.367% | 43.367% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 37.039% | 37.039% | 37.039% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 47.061% | 47.061% | 47.061% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 41.778% | 41.778% | 41.778% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 42.751% | 42.751% | 42.751% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  | 38.751% | 38.751% | 38.751% | {Redacted} | {Redacted} |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |
| {Redacted} |  |  |  |  |  |  |  |  | No | No |  |  |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2021<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | 1 Year Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; 1120 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |
| {Redacted} |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |
| {Redacted} |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |
| {Redacted} |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| {Redacted} |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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---

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** |
| {Redacted} | 0 | 0 | 0 |  |  |  | $1490.00 |  | 3.030% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $13360.13 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $1295.00 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $14819.53 |  | 3.140% | $0.00 | {Redacted} | DU |
| {Redacted} | 1 | 0 | 0 |  |  | {Redacted} | $13073.76 |  | 3.140% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $18364.35 |  | 3.030% | $3500.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $7879.00 |  | 3.200% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $16957.50 |  | 3.160% | $15000.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $23278.79 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $17632.42 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $21525.23 |  | 3.160% | $1570.26 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $20729.39 |  | 3.100% | $1426.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  |  | $6452.50 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  |  | $21511.00 |  | 3.160% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $20503.19 |  | 3.170% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $1985.00 |  | 3.100% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $18910.50 |  | 3.170% | $0.00 | {Redacted} | DU |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $2574.00 |  | 3.170% | $0.00 | {Redacted} |  |
| {Redacted} | 0 | 0 | 0 |  |  | {Redacted} | $2473.00 |  | 3.170% | $0.00 | {Redacted} | DU |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** |
| {Redacted} |  | ApproveIneligible | No | No | {Redacted} | 0 |  | 0 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveIneligible | Yes | No | {Redacted} | 0 | 0 | 0 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveIneligible | Yes | No | {Redacted} | 0 | 0 | 0 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveEligible | N/A | No | {Redacted} | 2 | 0 | 2 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 2 |  | 0 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 1 | 0 | 0 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveEligible | N/A | No | {Redacted} | 2 | 2 | 1 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 2 |  | 0 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 0 | 0 | 1 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 0 | 2 | 0 | 0 | 3 | 2 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 2 | 1 | 0 | 3 | 2 |  |
| {Redacted} |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  | 1 | 0 | 3 | 2 |  |
| {Redacted} |  | ApproveIneligible | Yes | No | {Redacted} | 1 | 1 | 1 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveIneligible | No | No | {Redacted} | 0 | 2 | 0 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveIneligible | No | No | {Redacted} | 1 | 0 | 0 | 0 | 3 | 0 |  |
| {Redacted} |  | ApproveIneligible | No | No | {Redacted} | 3 |  | 1 | 0 | 4 | 0 |  |
| {Redacted} |  | ApproveIneligible | Yes | No | {Redacted} | 0 |  | 2 | 0 | 3 | 0 |  |
| {Redacted} |  |  | No | No | {Redacted} | 3 | 3 | 2 | 0 | 3 | 3 |  |
| {Redacted} |  | ApproveIneligible | No | No | {Redacted} | 2 | 2 | 2 | 0 | 3 | 2 |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Yes | Mixed |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 24.00 | No |  |  |  |  |  | Not Stated |  |
| {Redacted} |  | 0.00 | No |  |  |  |  |  |  |  |
| {Redacted} |  | 22.97 | No |  |  |  |  |  | Not Stated |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** |
| {Redacted} |  |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} |  |  |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |
| {Redacted} |  |  | {Redacted} | {Redacted} |  |  |  |  |  |  |  |

---

![](image_001.jpg)

---

| |
|:---|
| **ASF** |
| **Run Date - 12/22/2022 2:18:14 PM** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070047 | 1 | 1 | 0 | 6 | 0.00 | 13294.53 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070069 | 1 | 1 | 0 | 7 | 0.00 | 22137.52 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070087 | 1 | 1 | 0 | 7 | 0.00 | 23466.25 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070155 | 1 | 1 | 0 | 3 | {Redacted} | 14175.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070176 | 1 | 1 | 0 | 7 | 0.00 | 21217.50 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070218 | 1 | 1 | 0 | 9 | 0.00 | 22415.69 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070237 | 1 | 1 | 0 | 3 | {Redacted} | 17010.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070274 | 1 | 1 | 0 | 7 | 0.00 | 20025.23 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070301 | 1 | 1 | 0 | 7 | 0.00 | 19654.39 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070357 | 1 | 1 | 0 | 3 | {Redacted} | 3000.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070383 | 1 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070386 | 1 | 1 | 0 | 7 | 0.00 | 11770.13 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070404 | 1 | 1 | 0 | 7 | 0.00 | 5062.50 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071899 | 1 | 1 | 0 | 6 | 0.00 | 19313.19 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071900 | 1 | 1 | 0 | 7 | 0.00 | 0.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071901 | 1 | 1 | 0 | 7 | 0.00 | 5160.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071903 | 1 | 1 | 0 | 3 | {Redacted} | 0.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071905 | 1 | 1 | 0 | 9 | 0.00 | 0.00 | 0 | 0 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071907 | 1 | 1 | 0 | 7 | 0.00 | 17437.50 | 0 | 0 |

---

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** |
| 9999999 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 5 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |
| 9999999 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | {Redacted} | 360 | 360 |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |
| 9999999 |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 2789.19 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 1 | 0 | 883.27 | {Redacted} |  |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 593.30 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 4 | 2 | 0 | 2745.33 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 9999999 |  |  | 0 |  | 1 | 1 | 0 | 518.35 | {Redacted} |  |  | 1 |
| 9999999 |  |  | 0 |  | 3 | 2 | 0 | 1042.88 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 751.00 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 492.03 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 4 | 1 | 0 | 1620.01 | {Redacted} |  |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 1 | 0 | 1062.03 | {Redacted} |  | {Redacted} | 1 |
| 9999999 |  |  | 0 |  | 3 | 2 | 0 | 2125.72 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 1008.69 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 2 | 2 | 0 | 1254.82 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 1494.89 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 2 | 1 | 1 | 1478.18 | {Redacted} |  |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 2 | 0 | 597.89 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 3 | 2 | 0 | 578.07 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 3 | 2 | 1 | 1399.64 | {Redacted} | {Redacted} |  | 1 |
| 9999999 |  |  | 0 |  | 1 | 1 | 1 | 1641.75 | {Redacted} |  |  | 1 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 3 |
| 9999999 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  | 3 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 3 | 0.045272 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 0 | 0.000000 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 15 | 0.402950 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 3 | 0.128666 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 4 | 0.270535 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 2 | 0.003164 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 6 | 0.909365 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 16 | 0.340949 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 5 | 0.069771 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 11 | 0.530483 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 4 | 0.070222 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 6 | 0.522479 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 5 | 0.000000 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 14 | 0.000000 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 16 | 0.274401 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 13 | 0.101125 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 3 | 0.435120 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 6 | 0.046254 | {Redacted}{Redacted}{Redacted} |  |  |
| 9999999 |  |  |  |  | {Redacted} | {Redacted} | 2 | 0.057025 | {Redacted}{Redacted}{Redacted} |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 1 | 3 | 1 | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 1 | 5 |  | 1 |  | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 1 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 1 | 5 |  | 3 |  | 3 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 1 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 1 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 1 | 5 |  | 3 |  | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 0 | 5 |  | 3 |  | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 0 | 5 | 1 | 3 | 1 | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 0 | 5 | 5 | 1 | 3 | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 0 | 4 | 4 | 3 | 3 | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 0 | 5 | 5 | 3 | 3 | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 0 | 3 |  | 3 |  | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 0 | 5 | 3 | 3 | 3 | 2 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 4 |
| 9999999 | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | 1 | 5 | 5 | 3 | 3 | 4 |
| 9999999 | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 0 | 5 |  | 3 |  | 4 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** |
| 9999999 | 4 | {Redacted} | 9844.75 | 0.290198 |  | 1 | 1.000000 |  | NY |  | 1 |
| 9999999 |  | {Redacted} | 3179.45 | 0.432777 |  | 1 | 1.000000 |  | LA |  | 1 |
| 9999999 | 4 | {Redacted} | 4237.96 | 0.302563 |  | 1 | 1.000000 |  | NC |  | 7 |
| 9999999 | 4 | {Redacted} | 15657.30 | 0.430173 |  | 1 |  |  | NJ |  | 1 |
| 9999999 |  | {Redacted} | 5331.18 | 0.411692 |  | 1 | 1.000000 |  | GA |  | 1 |
| 9999999 | 4 | {Redacted} | 9756.27 | 0.249095 |  | 1 |  |  | WA |  | 1 |
| 9999999 | 3 | {Redacted} | 7920.05 | 0.449145 |  | 1 |  |  | TN |  | 7 |
| 9999999 | 4 | {Redacted} | 6829.33 | 0.407590 |  | 1 | 1.000000 |  | NV |  | 7 |
| 9999999 |  | {Redacted} | 8953.05 | 0.370471 |  | 1 | 1.000000 |  | FL |  | 7 |
| 9999999 |  | {Redacted} | 5868.99 | 0.445746 |  | 1 |  |  | WA |  | 1 |
| 9999999 | 1 | {Redacted} | 17750.67 | 0.213008 |  | 1 |  |  | FL |  | 7 |
| 9999999 | 4 | {Redacted} | 7447.69 | 0.424007 |  | 1 | 0.578800 |  | CA |  | 7 |
| 9999999 | 4 | {Redacted} | 11082.47 | 0.443529 |  | 1 | 1.000000 |  | FL |  | 1 |
| 9999999 | 4 | {Redacted} | 9358.29 | 0.370390 |  | 1 | 1.000000 |  | CA |  | 7 |
| 9999999 |  | {Redacted} | 13606.49 | 0.470606 |  | 1 | 1.000000 |  | MA |  | 1 |
| 9999999 | 2 | {Redacted} | 8854.15 | 0.433673 |  | 1 | 1.000000 |  | CO |  | 1 |
| 9999999 | 4 | {Redacted} | 11834.92 | 0.427511 |  | 1 |  |  | NC |  | 1 |
| 9999999 | 4 | {Redacted} | 32184.02 | 0.387508 |  | 1 |  |  | WY |  | 7 |
| 9999999 |  | {Redacted} | 8836.01 | 0.417776 |  | 1 | 1.000000 |  | FL |  | 1 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  |  |  |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 2 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 2 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 2 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |
| 9999999 | 1 |  | 0.00 | 3 |  | 0 |  | {Redacted} | 9 |  | 0 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** |
| 9999999 |  | 0.850000 | 0.850000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.899899 | 0.899899 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.899898 | 0.899898 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.600000 | 0.600000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.873373 | 0.873373 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.884860 | 0.884860 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.560000 | 0.560000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.899000 | 0.899000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.899000 | 0.899000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.604230 | 0.604230 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.622222 | 0.622222 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.850000 | 0.850000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.750000 | 0.750000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.833476 | 0.833476 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.800000 | 0.800000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.800000 | 0.800000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.625000 | 0.625000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.593607 | 0.593607 | 0.00 |  | 0.000000 |  |  |  |  |  |  |
| 9999999 |  | 0.900000 | 0.900000 | 0.00 |  | 0.000000 |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |
| 9999999 |  |  |  |  |  |  |  |  |

---

![](image_001.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 12/22/2022 2:19:05 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** |
| {Redacted} | 408070357 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408070357 | {Redacted} |  |  | Contract Sales Price | [redacted] | [redacted] |
| {Redacted} | 408070357 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408070386 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408070386 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408070383 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408070383 | {Redacted} |  |  | Contract Sales Price | [redacted] | [redacted] |
| {Redacted} | 408070383 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408070087 | {Redacted} |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] |
| {Redacted} | 408070274 | {Redacted} |  |  | Property Type | [redacted] | [redacted] |
| {Redacted} | 408070404 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408070404 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071901 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071901 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071899 | {Redacted} |  |  | Borrower First Name | [redacted] | [redacted] |
| {Redacted} | 408071899 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071899 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071900 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071900 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071900 | {Redacted} |  |  | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] |
| {Redacted} | 408071907 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071907 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071903 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071903 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |
| {Redacted} | 408071905 | {Redacted} |  |  | Original Term | [redacted] | [redacted] |
| {Redacted} | 408071905 | {Redacted} |  |  | Contract Sales Price | [redacted] | [redacted] |
| {Redacted} | 408071905 | {Redacted} |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] |

---