# EDGAR Filing Document

**Accession Number:** 0001946154
**File Stem:** 0001839882-23-001549
**Filing Date:** 2023-1
**Character Count:** 1769503
**Document Hash:** c14d53cd16b1bba267cf2f980fc26569
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-001549.hdr.sgml**: 20230126

**ACCESSION NUMBER**: 0001839882-23-001549

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

**PUBLIC DOCUMENT COUNT**: 57

**CONFORMED PERIOD OF REPORT**: 20230126

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

**FILED AS OF DATE**: 20230126

**DATE AS OF CHANGE**: 20230126

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259
- **FILM NUMBER:** 23557564

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFMT Depositor LLC
- **CENTRAL INDEX KEY:** 0001946154
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06259

**BUSINESS ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880
- **BUSINESS PHONE:** 9174593122

**MAIL ADDRESS:**
- **STREET 1:** 53 FOREST AVENUE
- **STREET 2:** SUITE 301
- **CITY:** OLD GREENWICH
- **STATE:** CT
- **ZIP:** 06880

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

**<u>EFMT DEPOSITOR LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001946154

<u>EFMT 2023-1</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Robert A. Catarella, (203) 409-3596

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

Not Applicable

**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.

EFMT DEPOSITOR LLC

By: Ellington Financial Management LLC, as its manager

Date: January 26, 2022

<u>/s/ Robert A. Catarella</u>

Name: Robert A. Catarella

Title: Managing Director

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.01](ex99-01.htm) | AMC Diligence, LLC ("**AMC**") Narrative |
| [99.02](ex99-02.htm) | AMC Rating Agency Grades Report |
| [99.03](ex99-03.htm) | AMC Exception Detail Report |
| [99.04](ex99-04.htm) | AMC Valuation Report |
| [99.05](ex99-05.htm) | AMC Data Compare Summary Report |
| [99.06](ex99-06.htm) | AMC Data Compare Report |
| [99.07](ex99-07.htm) | Canopy Financial Technology Partners LLC ("**Canopy**") Narrative |
| [99.08](ex99-08.htm) | Canopy Rating Agency Grades Summary Report |
| [99.09](ex99-09.htm) | Canopy RA Grades Detail Report |
| [99.10](ex99-10.htm) | Canopy Valuation Report |
| [99.11](ex99-11.htm) | Canopy Data Compare Report |
| [99.12](ex99-12.htm) | Clayton Services LLC ("**Clayton**") Narrative |
| [99.13](ex99-13.htm) | Clayton Conditions Detail Report |
| [99.14](ex99-14.htm) | Clayton Loan Grades Report |
| [99.15](ex99-15.htm) | Clayton Data Compare Report |
| [99.16](ex99-16.htm) | Clayton Valuation Report |
| [99.17](ex99-17.htm) | Evolve Mortgage Services ("**Evolve**") Narrative |
| [99.18](ex99-18.htm) | Evolve Rating Agency Grades Report |
| [99.19](ex99-19.htm) | Evolve Exception Detail Report |
| [99.20](ex99-20.htm) | Evolve Valuation Report |
| [99.21](ex99-21.htm) | Evolve Data Compare Report |
| [99.22](ex99-22.htm) | Infinity IPS, Inc. ("**Infinity**") Narrative |
| [99.23](ex99-23.htm) | Infinity Rating Agency Grades Report |
| [99.24](ex99-24.htm) | Infinity Exception Detail Report |
| [99.25](ex99-25.htm) | Infinity Valuation Report |
| [99.26](ex99-26.htm) | Infinity Data Compare Report |
| [99.27](ex99-27.htm) | Infinity Individual Exception Report |
| [99.28](ex99-28.htm) | Wipro Opus Risk Solutions, LLC ("**Opus**") Narrative |
| [99.29](ex99-29.htm) | Opus Rating Agency Grades Report |
| [99.30](ex99-30.htm) | Opus Exception Detail Report |
| [99.31](ex99-31.htm) | Opus Valuation Report |
| [99.32](ex99-32.htm) | Opus Data Compare Report |
| [99.33](ex99-33.htm) | Selene Diligence LLC ("**Selene**") Narrative |
| [99.34](ex99-34.htm) | Selene Rating Agency Grades Report |
| [99.35](ex99-35.htm) | Selene Standard Findings Report |
| [99.36](ex99-36.htm) | Selene Valuation Report |
| [99.37](ex99-37.htm) | Selene Data Compare Report |

---

## Exhibit 99.01

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.01**

![(GRAPHIC)](ex9901001.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 and Leases/Business Purpose/SBCRE loans originated by various parties. These mortgage loans were acquired subsequently by EF Holdco WRE Assets LLC ("EF"; and together with its affiliates the "Client"). The Review was conducted on a flow and bulk basis from November 2018 through April 2022 via files imaged and provided by the Client, or their designee, for review and covered assets that have application dates from October 2018 to March 2022.

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

The final population of the Review covered 21 mortgage loans totaling an aggregate original principal balance of approximately $18.479 million. To AMC's knowledge, the Review covered all mortgage loans in the securitization.

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

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

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

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Originator Loan Designation |  |

---

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.**

***<u>Residential Population (18 Loans)</u>***

AMC reviewed mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client.

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![(GRAPHIC)](ex9901001.jpg)

For each Loan, AMC reviewed the Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

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

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

**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.

**Property income:** AMC will determine whether all applicable supporting documentation as required by the guidelines is present in the file. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

**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/Insurance:** 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, (vi) look for the presence of rent loss insurance as required by guideline and (vii) 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.

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![(GRAPHIC)](ex9901001.jpg)

**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 for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

**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.

***<u>Leases/Business Purpose/SBCRE Population (3 Loans)</u>***

**Document Review**

For each Loan, AMC reviewed the Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose / non-owner occupancy, (l) articles of incorporation, if applicable, (m) operating agreement, and (n) background check.

**Credit Review**

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

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

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

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

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![(GRAPHIC)](ex9901001.jpg)

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

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

**Valuation Review:** AMC's review will include 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 will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, and (v) 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 will (i) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard appraisal guidelines; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject property, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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

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

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**Data Collection:** AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

**(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 restrictions, and (viii) 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.

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![(GRAPHIC)](ex9901001.jpg)

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 considered whether 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 property, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to the appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal 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>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

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

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

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

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

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

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

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

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

ii) APR threshold test;

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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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

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.)

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&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 loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

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Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the 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. The results of the variance analysis is 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.

**(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.

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**(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;

&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;

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&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.

**(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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![(GRAPHIC)](ex9901001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**COMPLIANCE RESULTS SUMMARY**

100.00% of all mortgage loans reviewed for compliance by loan count (18 mortgage loans) received an "A" or "B" Compliance Grade. Three loans are business purpose loans and did not require compliance testing.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch and Kroll)** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

100% of all mortgage loans by number (21 mortgage loans) received an "A" or "B" Credit Grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch and Kroll)** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;76.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;23.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

A total of 21 mortgage loans (100%) received a Valuation Grade of "A" or "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch and Kroll)** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &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;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading implications of the Credit, Property/Valuation, and Compliance sections above, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A" or "B" under both Fitch and Kroll rating criteria.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch and Kroll)** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;52.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;47.62% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** |

---

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![(GRAPHIC)](ex9901001.jpg)

**EXCEPTION DETAIL**

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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**15** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Within the 21 mortgage loans reviewed, AMC noted 39 data deltas across 10 data fields (some mortgage loans had more than one data delta and some fields did not have any deltas). The largest variances were found on Margin, Doc Type and Contract Sales Price.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Available for Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;7 | &nbsp;&nbsp;21 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;18 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Hazard Insurance Monthly Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;19 | &nbsp;&nbsp;5.26% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;11 | &nbsp;&nbsp;21 | &nbsp;&nbsp;52.38% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**384** | &nbsp;&nbsp;**10.16%** | &nbsp;&nbsp;**21** |

---

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![(GRAPHIC)](ex9901001.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;19 | &nbsp;&nbsp;90.48% | &nbsp;&nbsp;$17927048.00 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;$551750.00 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$18478798.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;$1971000.00 | &nbsp;&nbsp;10.67% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;23.81% | &nbsp;&nbsp;$2766000.00 | &nbsp;&nbsp;14.97% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;$2443848.00 | &nbsp;&nbsp;13.23% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;$5388250.00 | &nbsp;&nbsp;29.16% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$5909700.00 | &nbsp;&nbsp;31.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;$6700298.00 | &nbsp;&nbsp;36.26% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$11778500.00 | &nbsp;&nbsp;63.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;15 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$13424950.00 | &nbsp;&nbsp;72.65% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;$3002348.00 | &nbsp;&nbsp;16.25% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$1471500.00 | &nbsp;&nbsp;7.96% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$580000.00 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;18 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;$17297250.00 | &nbsp;&nbsp;93.61% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;3 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$1181548.00 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;18 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;$17297250.00 | &nbsp;&nbsp;93.61% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;3 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$1181548.00 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18478798.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.02

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.02**

![](logositus-001.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 1/23/2023 12:01:29 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **S&P** | **S&P** |
| 204996097 | XXXX |  |  | XXXX | $XXXX C CC | RC A | VA C |
| 208141471 | XXXX |  |  | XXXX | $XXXX C | C A | A C |
| 218287311 | XXXX | XXXX |  | XXXX | $XXXX C | A | A C |
| 218287315 | XXXX | XXXX |  | XXXX | $XXXX C | A | A C |
| 218287319 | XXXX | XXXX |  | XXXX | $XXXX C | D | D A |
| 218287321 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C |
| 218287324 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C |
| 218287327 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C B |
| 218287329 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C B |
| 218287332 | XXXX | XXXX |  | XXXX | $XXXX C | C D | D A |
| 218287335 | XXXX | XXXX |  | XXXX | $XXXX C | C | C B A |
| 218287336 | XXXX | XXXX |  | XXXX | $XXXX D C | C A | A D B |
| 218287337 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C B |
| 218287340 | XXXX | XXXX |  | XXXX | $XXXX A C | C A | A C B |
| 218287342 | XXXX | XXXX |  | XXXX | $XXXX C A | A | A C |
| 218287344 | XXXX | XXXX |  | XXXX | $XXXX C A | A | A C |
| 218287345 | XXXX | XXXX |  | XXXX | $XXXX C A | A | A C B |
| 218287346 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C B |
| 218287351 | XXXX | XXXX |  | XXXX | $XXXX A C | C A | A C B |
| 218287354 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C |
| 218287358 | XXXX | XXXX |  | XXXX | $XXXX C | C A | A C B |

---

## Exhibit 99.03

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.03**

![](logositus-001.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 1/23/2023 12:01:29 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/XXXX) | Missing evidence of the borrower's receipt of the appraisal. |  |  |  | Reviewer Comment (2018-11-07): Received evidence appraisal was delivered to the borrowers on XX/XX/XXXX. | 11/07/2018 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.29700% or Final Disclosure APR of 8.32800% is in excess of allowable threshold of APOR 4.77% + 1.5%, or 6.27000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2018-11-07): Received evidence appraisal was delivered to the borrower more than 3 business days prior to closing, which changed this exception from Level 3 Non-Compliant to Level 1 Compliant.<br>Seller Comment (2018-11-07): See response to related exception. | 11/07/2018 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/XXXX) | Missing evidence of the borrower's receipt of the appraisal. |  |  |  | Reviewer Comment (2018-11-07): Received evidence appraisal was delivered to the borrowers on XX/XX/XXXX. | 11/07/2018 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.72 is less than Guideline PITIA months reserves of 6.00. | Please provide additional reserves. Asset worksheet reflects 2 month required. Per Expanded Approval guidelines, reserve requirements for LTV >= 85% is 6 months. |  |  |  | Reviewer Comment (2018-11-02): Reserves met.<br>Seller Comment (2018-11-01): guideline is below or at 85.00% LTV 2 months reserves is required. LTV is 85.00%, please clear | 11/02/2018 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Loan Type | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Loan Type that does not match the actual loan type for the loan. (Final/XX/XX/XXXX) | Final Closing Disclosure disclosed the Loan Type as Other - XX/XX) for the subject Conventional ARM loan. |  |  |  | Reviewer Comment (2018-11-12): AMCE received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2018-11-11): See uploaded PCCD Pkg and Disclosure Tracking Details.<br>Reviewer Comment (2018-11-07): Letter of Explanation and Corrected Closing Disclosure will cure this exception.<br>Seller Comment (2018-11-07): Will correction improve rating? |  | 11/12/2018 |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 204996097 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Subject loan has been verified as Non-QM. |  |  |  | Reviewer Comment (2018-11-07): Initial Loan Designation of Non QM | 11/07/2018 |  |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 208141471 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the Hazard Insurance Policy |  |  |  | Reviewer Comment (2019-10-15): Received and cleared<br>Seller Comment (2019-10-14): Please see attached. Thank you. | 10/15/2019 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | C A | Non QM | Non QM | No |
| 208141471 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2019-10-15): Received and cleared<br>Seller Comment (2019-10-14): Please see attached. Thank you. | 10/15/2019 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | C A | Non QM | Non QM | No |
| 208141471 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | 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. (Initial/XX/XX/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2019-10-21): Disclosure tracking provided<br>Seller Comment (2019-10-18): Please see attached CD sent to borrower 9-30, thank you | 10/21/2019 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | No Defined Cure A | Non QM | Non QM | No |
| 208141471 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a Fraud Report |  |  |  | Reviewer Comment (2019-10-15): Received and cleared<br>Seller Comment (2019-10-14): Please see attached. Thank you. | 10/15/2019 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287311 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 reflects primary residence in the US however letter of explanation states an address in XXXX as primary residence. |  |  |  | Reviewer Comment (2022-04-01): Cleared<br>Buyer Comment (2022-03-31): see corrected 1003 - borrower lives in XXXX | 4/XXXX 4:16:02 PM |  |  | 1 C A | XX/XX/XXXX | FL | Investment | XXXX | C A |  | N/A | No |
| 218287315 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-03-25): Approval provided. Exception cleared.<br>Buyer Comment (2022-03-25): Please see attached approval and 1008 | 03/25/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | XXXX | C A |  | N/A | No |
| 218287319 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  |  |  |  |  | Reviewer Comment (2022-02-23): Cleared<br>Buyer Comment (2022-02-22): CDA uploaded | 02/23/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | XXXX | D A C |  | N/A | No |
| 218287319 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-02-23): Cleared<br>Buyer Comment (2022-02-22): RCE uploaded<br>Reviewer Comment (2022-02-16): For further consideration, please provide a Replacement Cost Estimate. "but never less than 80% of the replacement cost, determined by the insurers Replacement Cost Estimate (RCE), of the improvements of the Subject Property."<br>Buyer Comment (2022-02-15): The coverage is more than the loan amount...... 13.2. Hazard Insurance ... For a Loan to be eligible for sale to XXXX, the improvements on the property securing the Loan must be covered by a hazard insurance policy for the benefit of the Lender and its assignees, with policy coverage of not less than the lower of: a. The full replacement cost of the improvements of the Subject Property; or b. The amount of the Loan principal, but never less than 80% of the replacement cost, determined by the insurers Replacement Cost Estimate (RCE), of the improvements of the Subject Property.<br>Reviewer Comment (2022-02-15): The $XXXX coverage is for commercial general liability. The building coverage is only $XXXX of that coverage. Exception remains.<br>Buyer Comment (2022-02-14): There is a $XXXX coverage for each occurrence. This is higher than loan amount. | 02/23/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | XXXX | D A C |  | N/A | No |
| 218287319 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note Date: XX/XX/XXXX; Lien Position: 1 |  |  |  |  | Reviewer Comment (2022-02-23): Cleared<br>Buyer Comment (2022-02-22): CDA uploaded<br>Reviewer Comment (2022-02-15): Per the guidelines: If neither Fannie Mae's Collateral Underwriter (CU) and Freddie Mac's Loan Collateral Adviser (LCA) risk<br> score is less than or equal to 2.5 the appraisal of the Subject Property must be reviewed through either a collateral desktop review ("CDA") from XXXX, or an Appraisal Risk Review ("ARR") from XXXX. Lenders must order the review, which must be received by XXXX directly from XXXX or XXXX, and independent of the Lender. The Fannie Mae UCDP reflects "No findings returned" and the Freddie Mac UCDP reflects the collateral is not eligible. Exception Remains.<br>Buyer Comment (2022-02-14): Please advise if this is what you need or another report. | 02/23/2022 |  |  | 1 D A | XX/XX/XXXX | CA | Investment | XXXX | D A C |  | N/A | No |
| 218287319 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XX/XX/XXXX; Disbursement Date: XX/XX/XXXX; Note Date: XX/XX/XXXX; Transaction Date: XX/XX/XXXX | Disbursement date XX/XX/XXXX and Policy effective date XX/XX/XXXX. |  |  |  | Reviewer Comment (2022-02-15): Received updated binder with updated effective date of XX/XX. Exception is cleared.<br>Buyer Comment (2022-02-14): HOI has an effective date of XX/XX | 02/15/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | XXXX | D A C |  | N/A | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-03-21): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-03-20): Uploaded approval. | 03/21/2022 |  |  | 1 C A | XX/XX/XXXX | MD | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | Loan Discount Points Fee was last disclosed as $0.00 on LE and on Final Closing Disclosure as $XXXX. File does not contain a valid COC for this fee. Lender credits provided $40.00 |  |  |  | Reviewer Comment (2022-03-22): SitusAMC Received valid COC dated 0XX/XX therefore no cure required.<br>Buyer Comment (2022-03-21): Uploaded XX/XX COC.<br>Reviewer Comment (2022-03-21): SitusAMC received COC dated XX/XX however, the actual fee was increased on the LE dated 0XX/XX/22 and no valid COC is available for the same. <br> Kindly provide COC with reason for increase or additional docs to validate the change on LE or need cure documents.<br>Buyer Comment (2022-03-20): Uploaded XX/XX/XXXX Closing Disclosure & COC.<br>Buyer Comment (2022-03-20): Uploaded XXXX Closing Disclosure & Corresponding COC. | 03/22/2022 |  |  | 1 C A | XX/XX/XXXX | MD | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Mortgage Broker Fee. Fee Amount of $12,750.00 exceeds tolerance of $12,250.00. Insufficient or no cure was provided to the borrower. (XXX) | Mortgage Broker Fee was last disclosed as $515.00 on LE and on Final Closing Disclosure as $555.00. File does not contain a valid COC for this fee. Lender credits provided $40.00 |  |  |  | Reviewer Comment (2022-03-24): SitusAMC received valid COC dated 0XX/XX/2022.<br>Buyer Comment (2022-03-23): Uplaoded.<br>Reviewer Comment (2022-03-23): SitusAMC Received COC dated 0XX/XX stating "Rate change to XX from XX due to price change" which is not valid. Please provide valid COC with additional information which can explain why Mortgage Broker Fee increased on LE dated 0XX/XX or cure required.<br>Buyer Comment (2022-03-21): Uploaded XX/XX COC.<br>Reviewer Comment (2022-03-21): SitusAMC received COC dated XX/XX however, the actual fee was increased on the LE dated 0XX/XX/ and no valid COC is available for the same. <br> Kindly provide COC with reason for increase or additional docs to validate the change on LE or need cure documents.<br>Buyer Comment (2022-03-20): Uploaded XXXXX Closing Disclosure & Corresponding COC. | XXXX 5:02:55 AM |  |  | 1 C A | XX/XX/XXXX | MD | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 $555.00 exceeds tolerance of $515.00. Insufficient or no cure was provided to the borrower. (XXX) | Appraisal Fee was last disclosed as $XXXX on LE and on Final Closing Disclosure as $XXXX. File does not contain a valid COC for this fee. Lender credits provided $40.00 |  |  |  | Reviewer Comment (2022-03-23): SitusAMC sufficient cure received at closing.<br>Buyer Comment (2022-03-20): Uploaded XXXX Closing Disclosure & Corresponding COC. | 03/21/2022 |  |  | 1 C A | XX/XX/XXXX | MD | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXXX. | Cash to Borrower: $XXXX; Total Cash Out: $XXXX; Refi Purpose: Rate/Term |  |  |  |  | Reviewer Comment (2022-03-23): Cleared<br>Buyer Comment (2022-03-21): The loan paid off a first & second mortgage that were satisfactorily seasoned as per XXXX guideline 9.2:The principal amount of the Loan may not exceed the sum of (i) the amount needed to pay off eligible mortgage debt plus (ii) the closing costs to settle and qualify for the Loan, plus (iii) the amount of escrows, impounds and prepaids required from the Borrowers in connection with settling the Loan, and (iv) a nominal amount of cash to the Borrowers, not to exceed the lessor of 2% of Loan principal or $XXX. For the purposes hereof, eligible mortgage debt includes the first lien mortgage encumbering the Subject Property, and junior lien mortgages that either (x) were originated concurrent with the acquisition of the Subject Property, of (y) are seasoned. For the purpose hereof, a closed end mortgage loan is seasoned if it was originated more than one year prior to the closing of the refinance (one year prior to the Date of the Loan), No further cure required. | XXXX 11:49:37 AM |  |  | 1 C A | XX/XX/XXXX | MD | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287321 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $555.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-22): Sufficient Cure Provided At Closing |  | 03/22/2022 |  | 1 A | XX/XX/XXXX | MD | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287324 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $27,430.00 exceeds tolerance of $27,121.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $XXXX due to Loan Discount Points Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-03-21): SitusAMC received valid COC dated XXXX.<br>Buyer Comment (2022-03-21): Uploaded.<br>Reviewer Comment (2022-03-21): SitusAMC upon further review received CD and COC dated XX/XX however fee also increased on XX/XX CD to $XXXX. Please provide valid COC for the CD dated XX/XX also.<br>Buyer Comment (2022-03-20): Uploaded Closing Disclosure and corresponding COC. | 3/2XXXX 12:10:58 PM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287324 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Mortgage Broker Fee. Fee Amount of $21,100.00 exceeds tolerance of $20,863.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $XXXX due to Mortgage Broker Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-03-21): SitusAMC received valid COC dated XXXX.<br>Buyer Comment (2022-03-21): Uploaded CD & COC.<br>Reviewer Comment (2022-03-21): SitusAMC upon further review received CD and COC dated XX/XX however fee also increased on XX/XX CD to $XXXX. Please provide valid COC for the CD dated XX/XX also.<br>Buyer Comment (2022-03-20): Uploaded Closing Disclosure and corresponding COC. | 3/2XXXX 12:11:22 PM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287324 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Second Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $XXXX due to Mortgage Broker Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD for this increase was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-03-21): SitusAMC - Sufficient cure was provided at closing.<br>Buyer Comment (2022-03-21): Uplaoded CD & COC.<br>Reviewer Comment (2022-03-21): SitusAMC upon further review as cure for second appraisal fee was provided at closing this will be cleared once we received the COC for loan discount points and mortgage broker fee.<br>Buyer Comment (2022-03-20): Uploaded Executed CD showing $875 Lender Credit for the appraisal fee. | 3/2XXXX 12:12:19 PM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287324 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: XXXX / Account Number: XXX | Asset documentation provided for account ending #XXX is less than 2 months verified. |  |  |  | Reviewer Comment (2022-03-25): Cleared<br>Buyer Comment (2022-03-23): Uplaoded source of funds.<br>Reviewer Comment (2022-03-22): Please provide source of funds for opening deposit.<br>Buyer Comment (2022-03-20): #XXX newly opened. Uploaded screen shot with XX explanation. | 03/25/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287324 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-21): Sufficient Cure Provided At Closing |  | 03/21/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-03-10): Received Approval , Exception cleared.<br>Buyer Comment (2022-03-09): Uploaded final conditional approval | 03/10/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1. Grant Deed in file shows transfer of subject property for $0.00 from Borrower's cousin to the Borrower on XX/XX/XXXX. Current subject mortgage is not in the Borrower's name (is still in the cousin's name), however, evidence that the Borrower has made on time mortgage payments from XX/XX/XXXX through XX/XX/XXXX were provided. Allow subject transaction to close as a No Cash-Out Refinance when paying off subject mortgage which is not in the Borrower's name. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV IS 44.578%<br> Credit score is 775<br> Reserves are 39.03 months<br> Borrower has been employed as a XXX with the XXXX for the past 15 years.<br> Borrower has 1 open and 1 closed mortgage reporting 0x30 since inception<br> No public records and no late payments on credit going back to earliest overall inception in XX/XX | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-03-08): Compensating factors used to waive exception |  |  | 03/08/2022 | 2 B | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 $595.00 exceeds tolerance of $495.00. Insufficient or no cure was provided to the borrower. (XXX) | Insufficient cure provided. |  |  |  | Reviewer Comment (2022-03-10): SitusAMC - Sufficient cure was provided at closing.<br>Buyer Comment (2022-03-09): Uploaded executed closing disclosure and final settlement statement showing appraisal fee of $595.00 cured at closing. | 03/10/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2. Borrower was deeded the subject property in XX/XX/XXXX. The current mortgage is in other person's name who deeded the property to the Borrower (who is no longer on title nor deed). The Borrower has made the mortgage payments from XX/XX/XXXX through XX/XX/XXXX. Allow no primary housing history from XX/XX/XXXX to XX/XX/XXXX (when subject was deeded to Borrower) as the Borrower lived rent free with sister-in-law vs program requirement for 12 months housing payment history and borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on exception basis.<br> Lender Approved exception. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV IS 44.578%<br> Credit score is 775<br> Reserves are 39.03 months<br> Borrower has been employed as a XXX with the XXXX for the past 15 years.<br> Borrower has 1 open and 1 closed mortgage reporting 0x30 since inception<br> No public records and no late payments on credit going back to earliest overall inception in XX/XXX | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-03-08): Compensating factors used to waive exception |  |  | 03/08/2022 | 2 B | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The FNMA-CU score is 1.3 and the FHLMC-LCA is 3, a CDA/ARR valuation is required. |  |  |  | Reviewer Comment (2022-03-16): Received CDA , Exception cleared.<br>Buyer Comment (2022-03-15): Uploaded CDA | 03/16/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287327 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-10): Sufficient Cure Provided At Closing |  | 03/10/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-03-11): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-03-10): 1008 and Approval. | 03/11/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,195.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-04): Sufficient Cure Provided At Closing |  | 03/04/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX | Missing Borrowers 1099 for pension income. |  |  |  | Reviewer Comment (2022-03-11): Statement and evidence of deposit into bank account provided. Exception cleared.<br>Buyer Comment (2022-03-10): Please be advised the XXXX pension income is derived from the XXXX IRA Rollover account. A Form 1099 or Continuation Letter is not required to be issued for this source of income. Please see the uploaded XXXX LOE and borrower's XXXX asset statement reflecting the XXXX deposit. The Exception Approval to accept this source of income has been previously uploaded, acknowledged and cleared by AMC under the Credit Exception condition. Thank you. | XX/XX/XXXX 1:14:48 PM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use of IRA income with a monthly distribution of $XXXX beginning XX/XX/XXXX documented by XXXX IRA letter with current value of $XXXX as qualifying income vs program requirement of award letter or bank statements showing 3 months of deposits. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit score is 760, 120 points > program requirement of 640. | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-03-07): Compensating factors used to waive exception |  |  | 03/07/2022 | 2 B | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing current income documentation for partnership. |  |  |  | Reviewer Comment (2022-04-15): Cleared<br>Buyer Comment (2022-04-14): Third Party Verification uploaded. Please clear both ATR Exceptions with the uploaded document. Thank you.<br>Reviewer Comment (2022-04-13): third party verification is required by ATR. Call me if you would like to discuss<br>Buyer Comment (2022-04-11): Why if the business was operating at a loss that was applied? What would the 3rd party verification prove? If the business is no longer active that would be to our benefit as the loss would not need to be applied thus worst case is hit them with the loss and a 3rd party verification is not needed. Please clear OR escalate.<br>Reviewer Comment (2022-03-23): Income reflected is a loss and therefore must be considered. Please provide third party verification.<br>Buyer Comment (2022-03-22): Please note third party verification is not required for a business entity not considered for qualifying the subject loan. Thank you.<br>Reviewer Comment (2022-03-21): we need third party verification for this business.<br>Buyer Comment (2022-03-18): Please be advised business transcripts are not required for the Non-QM J10 loan program. Business Returns are only required if using income from a C corporation not listed on the 1040's. Only 1040's are required for this loan program which have been provided. Thank you.<br>Reviewer Comment (2022-03-11): Income reflected for partnership is negative income and therefore must be considered.<br>Buyer Comment (2022-03-10): Please be advised no tax transcripts, tax returns or other income documentation is required. The XXXX Sales Guide, 14.1.13, only requires tax transcripts when tax returns are used to determine qualifying income. Income from the Partnership was not considered. No further cure required. Thank you. | 04/15/2022 |  |  | 1 B A C | XX/XX/XXXX | CA | Primary | XXXX | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXXX Partnership/Partnership) | Most recent tax transcripts, signed dated tax returns not provided |  |  |  | Reviewer Comment (2022-04-15): Cleared<br>Buyer Comment (2022-04-14): This is not required when a borrower is qualified using only income that is not derived from self-employment and self-employment is a secondary and separate source of income (or loss). Examples of income not derived from self-employment include salary and retirement income. :)<br>Reviewer Comment (2022-04-13): ATR requires third party verification of employment, whish is missing in this case. Call me if you wish to discuss.<br>Buyer Comment (2022-04-11): Please escalate this. They are being hit with the loss which is worst case. what would a 3rd party verification do? If it showed they were no longer active then we no longer need to hit them with the loss but since we are then the 3rd party verification is Irrelevant since whether the business is active or not we hit them with the loss which is worst case scenario. Nothing further is needed here.<br>Reviewer Comment (2022-03-23): Business income reflects negative income and therefore must be considered. Please provide 3rd party verification.<br>Buyer Comment (2022-03-22): Please note third party verification is not required for a business entity not considered for qualifying the subject loan. Thank you.<br>Reviewer Comment (2022-03-21): we need third party verification for this business.<br>Buyer Comment (2022-03-18): Please be advised business transcripts are not required for the Non-QM J10 loan program. Business Returns are only required if using income from a C corporation not listed on the 1040's. Only 1040's are required for this loan program which have been provided. Thank you.<br>Reviewer Comment (2022-03-11): Income reflected for partnership is negative income and therefore must be considered.<br>Buyer Comment (2022-03-10): Please be advised no tax transcripts, tax returns or other income documentation is required. The XXXX Sales Guide, 14.1.13, only requires tax transcripts when tax returns are used to determine qualifying income. Income from the Partnership was not considered. No further cure required. Thank you. | 04/15/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Insufficient third party verifiable income documents |  |  |  | Reviewer Comment (2022-04-15): Cleared | 04/15/2022 |  |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287329 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1099-R XXXX, Award Letter / Continuance Letter | Missing the borrower's Pension income 1099. |  |  |  | Reviewer Comment (2022-03-11): Provided. Exception cleared.<br>Buyer Comment (2022-03-10): Please be advised the XXXX pension income is derived from the XXXX IRA Rollover account. A Form 1099 or Continuation Letter is not required to be issued for this source of income. Please see the uploaded XXXX LOE and borrower's XXXX asset statement reflecting the XXXX deposit. The Exception Approval to accept this source of income has been previously uploaded, acknowledged and cleared by AMC under the Credit Exception condition. Thank you. | XX/XX/XXXX 1:22:54 PM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-03-03): Received approval document , Exception cleared.<br>Buyer Comment (2022-03-02): I have uploaded the Conditional Loan Approval and the final 1008 for your review. | 03/03/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX |  |  |  | Reviewer Comment (2022-03-04): As per confirmation , Policy effective date is prior to disbursement date , it is acceptable , Exception cleared.<br>Buyer Comment (2022-03-02): The effective date of the HOI policy is XXX, the loan closed XXXX and disbursed on XXX. The effective date should be fine because it is within the rescission period. | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 56.39126% exceeds Guideline total debt ratio of 50.00000%. | Audit calculations: Income: $XXXX, PITI: $XXXX, Investment neg rent: $XXXX, Credit debt: $XXXX, Child Support: $XXXX, Total: $XXXX. 1008 debt is $XXXX/income matches. |  |  |  | Reviewer Comment (2022-03-04): Debts paid at closing, DTI meets guidelines.<br>Buyer Comment (2022-03-03): I have attached the Final Closing Statement to evidence that the 2 XXXX accounts, account ending in XXXX and XXX, were paid off at Closing. Ratio should be | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 7.00. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 7.00. |  |  |  | Reviewer Comment (2022-03-04): Sufficient verified.<br>Buyer Comment (2022-03-02): Please clarify! I have $XXXX divided by $XXXX (PITI on subject) = 26 months reserves. | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to Repay is failing due to DTI calculated 56.39126% exceeds the acceptable threshold of 50.00% allowed per guidelines. |  |  |  | Reviewer Comment (2022-03-04): Debts paid at closing, DTI meets guidelines. | 03/04/2022 |  |  | 1 B A C | XX/XX/XXXX | CT | Primary | XXXX | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay is failing due to DTI calculated 56.39126% exceeds the acceptable threshold of 50.00% allowed per guidelines. |  |  |  | Reviewer Comment (2022-03-04): Debts paid at closing, DTI meets guidelines. | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.39126% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Ability to Repay is failing due to DTI calculated 56.39126% exceeds the acceptable threshold of 50.00% allowed per guidelines. |  |  |  | Reviewer Comment (2022-03-04): Debts paid at closing, DTI meets guidelines.<br>Buyer Comment (2022-03-02): I have attached the Final Closing Statement to evidence that the 2 XXXX accounts, account ending in XXXX and XXXX, were paid off at Closing. Ratio should be below 50%. | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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. (Initial/XX/XX/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  | Reviewer Comment (2022-03-04): SitusAMC received disclosure tracking indicating the initial CD was received the same day issued.<br>Buyer Comment (2022-03-03): Thank you for clarifying for me! I have uploaded the CD from 02-10-22 and the Disclosure Tracking Summary for your review.<br>Reviewer Comment (2022-03-03): The exception is regarding the receipt of the initial CD 3 business days prior to consummation. If a CD was received by borrower by 02/11 please provide receipt (and CD if not in file) for review.<br>Buyer Comment (2022-03-02): Initial Disclosures were sent to the Borrower on XXXX. 3. Please be advised that the fulfillment service utilized through encompass (our platform) is a safety. They will automatically send the initial disclosures out within the 3 days if the eConsent is not back in time or the disclosures are not acknowledged by the borrower. In this case the initial disclosures were automatically sent by mail on XXXX byXXXX services. Please consider this the attestation you requested. | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | CT | Primary | XXXX | No Defined Cure A | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $615.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) | Sufficient cure provided. |  |  |  | Reviewer Comment (2022-02-24): Sufficient Cure Provided At Closing |  | 02/24/2022 |  | 1 A | XX/XX/XXXX | CT | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287332 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 | Note Date: XX/XX/XXXX; Lien Position: 1 | The CU score is 3.2 and the LCA is 4.5. |  |  |  | Reviewer Comment (2022-03-07): CDA provided<br>Buyer Comment (2022-03-04): I am so sorry! I have uploaded the Appraisal Request Dept.'s Approval and the CDA for your review. Thank you.<br>Reviewer Comment (2022-03-04): The CDA document and review department approval loaded as blank pages. Please reload the document for review.<br>Buyer Comment (2022-03-03): The CDA Report and the XXXX Appraisal Review Approval are attached for your review. | 03/07/2022 |  |  | 1 D A | XX/XX/XXXX | CT | Primary | XXXX | D A C | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 2. Borrower is unable to obtain a P&L showing YTD 1099 earnings. Allow income qualification based on 2021 1099 (at $XXXX per month) vs program requirement that for a one-year income calculation, the lesser of a. the income reported on the Borrower's 1099 tax forms for the Applicable Year (as defined below) multiplied by a 90% profit margin and then divided by 12 months, or b. 90% of the Borrower's year to date income, for the current year, converted into a monthly average. For the purposes hereof, the Applicable Year is the calendar year prior to the date of the Borrower's Initial Application unless i. the date the Initial Application is in January, and ii. the Borrower's 1099 tax forms for the calendar year prior to the date of the Borrower's Initial Application are unavailable, in which case the Applicable Year is the calendar year two years prior to the date of the Initial Application. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI is 19.339%, 30.661% < program maximum of 50%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2022-03-04): Lender granted exception approval in loan file.<br>Buyer Comment (2022-03-02): see approved exception |  |  | 03/04/2022 | 2 C B | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing bank statements for account ending in - XXXX disclosed on Final 1003. |  |  |  | Reviewer Comment (2022-03-08): Updated 1003 provided in trailing documents.<br>Buyer Comment (2022-03-08): -<br>Buyer Comment (2022-03-08): see revised 1003<br>Reviewer Comment (2022-03-08): We would require updated 1003 removing #XXXX account , that will clear the exception by removing the account from clarity , Exception remains.<br>Buyer Comment (2022-03-07): There is no account XXXX, the numbers were transposed and it is a duplicate account-please omit; borrower has sufficient funds for closing and reserves as net proceeds from the transaction can be used to meet reserve requirement<br>Reviewer Comment (2022-03-04): The statements provided were for account #XXXX. the final 1003 shows a separate account, with the exact same balance from account #XXXX. Provide statements for #XXXX or provide an updated 1003 with that account removed.<br>Buyer Comment (2022-03-04): see bank statements for acct XXXX | 03/08/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Lender exception approved for insufficient hazard insurance coverage. Dwelling Insurance Coverage is $XXXX vs program minimum requirement of $XXXX (which is 80% of replacement cost per appraiser) | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI is 19.339%, 30.661% < program maximum of 50%. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2022-02-28): Compensating Factors used to waive Exception. |  |  | 02/28/2022 | 2 B | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1084 or income worksheet, 1099 XXXX | Missing 1099 for the prior year income qualification, per Lender's Exception |  |  |  | Reviewer Comment (2022-03-04): 2021 1099 provided.<br>Buyer Comment (2022-03-02): see 2021 1099 | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/XX/XXXX) |  |  |  |  | Reviewer Comment (2022-03-04): SitusAMC received 11/18 LE.<br>Buyer Comment (2022-03-03): see Initial LE<br>Reviewer Comment (2022-03-03): SitusAMC received LE tracking for 12/16 LE however the 1003 is dated 11/17/2021 thus causing the exception. Please provide prior LE if available.<br>Buyer Comment (2022-03-02): see LE tracking | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Borrower did not receive right to receive copy of appraisal within 3 days of application date XX/XX/XXXX. |  |  |  | Reviewer Comment (2022-03-04): SitusAMC received 11/18 LE.<br>Buyer Comment (2022-03-03): see Initial LE tracking details reflecting appraisal disclosure sent to borrower electronically | 03/04/2022 |  |  | 1 B A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR fail is due to missing 1099 and Asset documentation. |  |  |  | Reviewer Comment (2022-03-08): Cleared<br>Buyer Comment (2022-03-07): please omit acct XXXX as the numbers were transposed - borrower has sufficient funds for closing and reserves as net proceeds can be used to meet reserve requirement<br>Reviewer Comment (2022-03-04): The statements provided were for account #XXXX. the final 1003 shows a separate account, with the exact same balance from account #XXXX. Provide statements for #XXXX or provide an updated 1003 with that account removed.<br>Buyer Comment (2022-03-02): see 2021 1099 | 03/08/2022 |  |  | 1 B A C | XX/XX/XXXX | FL | Primary | XXXX | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (XXXX/Checking) | Missing bank statements to verify account ending in - XXXX |  |  |  | Reviewer Comment (2022-03-08): Cleared<br>Buyer Comment (2022-03-07): please omit acct XXXX as the numbers were transposed - borrower has sufficient funds for closing and reserves as net proceeds can be used to meet reserve requirement<br>Reviewer Comment (2022-03-04): The statements provided were for account #XXXX. the final 1003 shows a separate account, with the exact same balance from account #XXXX. Provide statements for #XXXX or provide an updated 1003 with that account removed.<br>Buyer Comment (2022-03-02): see bank statements | 03/08/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) | Missing 2021 1099 for income qualification. |  |  |  | Reviewer Comment (2022-03-04): 2021 1099 provided.<br>Buyer Comment (2022-03-02): see 2021 1099 | 03/04/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing 2021 1099 for income qualification. |  |  |  | Reviewer Comment (2022-03-08): Cleared | 03/08/2022 |  |  | 1 A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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. (Final/XX/XX/XXXX) | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to the closing date. |  |  |  | Reviewer Comment (2022-03-03): SitusAMC received 02/11 CD.<br>Buyer Comment (2022-03-02): CD tracking confirms CD was sent to the borrower on 2/11 with an APR of 3.679% while the final CD reflects APR of 3.678%, with no material difference<br>Buyer Comment (2022-03-02): - | 03/03/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | No Defined Cure B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-105.00. (XXXX) | Fee change without valid change of circumstance. |  |  |  | Reviewer Comment (2022-03-03): SitusAMC received 02/11 CD and VCC.<br>Buyer Comment (2022-03-02): see COC 1 | 03/03/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 $900.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $400.00 due to Appraisal Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-03-03): SitusAMC received 02/11 CD and VCC.<br>Buyer Comment (2022-03-02): please review this finding individually - section J of CD confirms cure was provided at closing for under-disclosed appraisal fee | 03/03/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  | Both UCDP reports have been provided and one of the scores is above 2.5 and the other is below 2.5, the loan is required to have a CDA. |  |  |  | Reviewer Comment (2022-03-10): Cleared<br>Buyer Comment (2022-03-09): see CDA | 03/10/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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. (Initial/XX/XX/XXXX) | SitusAMC received 02/11 CD received 02/15. Please provide receipt (and CD if available) if a CD was received by 02/14 to meet timing requirements. |  |  |  | Reviewer Comment (2022-03-11): SitusAMC received the initial CD, exception is cleared.<br>Buyer Comment (2022-03-10): see 2/9 CD/CD tracking<br>Buyer Comment (2022-03-10): -<br>Reviewer Comment (2022-03-10): SitusAMC received lender rebuttal that 2-9 CD reflected APR within variance. However, file does not reflect a 2-9 CD. The earliest CD received in file is dated 2-11. Provide missing CD with any proof of receipt to be received by borrower 3 business days prior to closing.<br>Buyer Comment (2022-03-09): The 2/9 CD reflects APR of 3.685% while the final CD APR is 3.678% which is less than .125 variance, as such this finding is not material<br>Reviewer Comment (2022-03-07): SitusAMC received econsent that shows disclose was sent to borrower by mail and electronically on 2/11/22. No evidence of when the initial CD was received was provided.<br>Buyer Comment (2022-03-04): see econsent, not materilal<br>Reviewer Comment (2022-03-04): SitusAMC received tracking however it indicates receipt date of 02/15. The CD needed to be received by 02/14 to meet requirements. Please provide receipt if available.<br>Buyer Comment (2022-03-03): see CD tracking reflecting sent electronically | XX/XX/XXXX 4:16:42 PM |  |  | 1 A | XX/XX/XXXX | FL | Primary | XXXX | No Defined Cure B A | Non QM | Non QM | No |
| 218287335 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided At Closing |  | 03/03/2022 |  | 1 A | XX/XX/XXXX | FL | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-03-16): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-03-15): The Underwriting Conditional Loan Approval and 1008 are attached for your review. | 03/16/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Mortgage Statement is missing. |  |  |  | Reviewer Comment (2022-03-16): We have Credit Supplement showing updated payments, additionally we have Tax & Insurance document for all properties hence Mortgage stmt is not required. Exception Cleared<br>Buyer Comment (2022-03-15): Please clarify, what mortgage statement are you missing? I see an Exception for the investment property also. | 03/16/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Homeownership Counseling List is missing. |  |  |  | Reviewer Comment (2022-03-16): Received RESPA Homeownership Counseling list disclosure, doc associated. Exception Cleared<br>Buyer Comment (2022-03-15): The Homeownership Counseling Organization Documents are attached for your review. | 03/16/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after XX/XX/XXXX, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXXX may be required. | Loan Estimate is missing. |  |  |  | Reviewer Comment (2022-03-18): SitusAMC received initial LE.<br>Buyer Comment (2022-03-17): I hope I am giving you what you are requiring regarding the initial LE for your review. I am uploading all the initial disclosures, including the initial LE for your review. | 03/18/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | No Defined Cure B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 $465.00 exceeds tolerance of $414.00 plus 10% or $455.40. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee was last disclosed as $455.40.00 on LE and on Final Closing Disclosure as $465.00. File does not contain a valid COC for this fee. Lender credits provided $1,070.00 |  |  |  | Reviewer Comment (2022-03-11): Sufficient Cure Provided At Closing |  | XX/XX/XXXX 3:21:43 PM |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX (XXXX), P&L Statement | K-1 (XXXX), P&L Statement is missing. |  |  |  | Reviewer Comment (2022-03-21): Cleared<br>Buyer Comment (2022-03-17): I am so sorry! I spoke to the Underwriter and the CPA Letter and P&L were not in the correct file. Please see attached.<br>Buyer Comment (2022-03-17): Please clarify if I may ask. On page 70 of the XXXX Guides, section 6.1.2-Self Employment, it states that if the most recent tax returns are available then a profit and loss statement is not required. | 3/2XXXX 11:52:02 AM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Loan amounts over $1,500,000 require two full appraisals per the J10 guidelines. |  |  |  | Reviewer Comment (2022-03-16): Cleared<br>Buyer Comment (2022-03-15): Appraisal Report 2 is attached for your review.<br>Buyer Comment (2022-03-15): Appraisal Report #1 is attached for your review. | 03/16/2022 |  |  | 1 D A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Ability to Repay is failing due to unverifiable Third Party Verification Records. |  |  |  | Reviewer Comment (2022-04-07): Loan is Non-QM.<br>Reviewer Comment (2022-04-07): this has been escalated<br>Buyer Comment (2022-04-06): All ATR findings are cured please clear. | 04/07/2022 |  |  | 1 B A C | XX/XX/XXXX | CA | Primary | XXXX | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. (XXXX (100%)/Partnership) | Ability to Repay is failing due to unverifiable Third Party Verification Records. |  |  |  | Reviewer Comment (2022-03-31): Cleared<br>Buyer Comment (2022-03-29): No Income was used from XXXX. Business transcripts should not be required.<br>Reviewer Comment (2022-03-29): J10 program requires any income documented with personal or business tax return, transcripts are required. Missing business transcripts for 1065 returns.<br>Buyer Comment (2022-03-28): I hope this is what you need. I am providing the XXXX Entity Detail and Statement of Information for XXXX.<br>Reviewer Comment (2022-03-24): Exception is for missing 3rd party verification for XXXX - <br> XXXX.<br>Buyer Comment (2022-03-22): Please see the Underwriter's Final Income Calculator Worksheets. No income was used from XXXX.<br>Reviewer Comment (2022-03-18): So this business is not being used? Please confirm and we will remove.<br>Buyer Comment (2022-03-17): Please see the attached letter from the Borrower, he states he has not interest i XXXX.<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): The XXXX K-1 for XXXX is attached for your review. | 3/3XXXX 11:17:27 AM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX/S-Corp) | Ability to Repay is failing due to unverifiable Third Party Verification Records. |  |  |  | Reviewer Comment (2022-04-06): Received 3rd party verification for XXXX Inc including a CPA letter<br>Buyer Comment (2022-04-05): Business tax transcripts are only required when income form those business are used to qualify. No income from any of the other business were used to qualify and business income used to qualify is reported on the borrowers personal returns. Transcripts were obtained for the borrowers personal returns and business income used to qualify is verified.<br>Reviewer Comment (2022-03-29): J10 program requires any income documented with personal or business tax return, transcripts are required. Missing business transcripts for 1120S returns.<br>Buyer Comment (2022-03-28): I have provided the XXXX verification of XXXX-XXXX for your review.<br>Reviewer Comment (2022-03-25): Please address the exception asking for 3rd party verification for XXXX - XXXX<br>Buyer Comment (2022-03-24): Please clarify what is needed to satisfy this Exception please.<br>Reviewer Comment (2022-03-18): Please address the other exceptions before this one as it needs to be elevated.<br>Buyer Comment (2022-03-17): Please see the attached letter from the Borrower. He states he has no interest in XXXX .<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): Please clarify what is needed to clear this Exception. Do you want the S-Corp tax returns? | 04/06/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Right to Receive Copy of Appraisal document is missing. |  |  |  | Reviewer Comment (2022-03-16): SitusAMC received 02/11 Right to Receive Appraisal.<br>Buyer Comment (2022-03-15): The signed Notice Of Right to Receive a Copy Of Written Appraisal/Valuation is attached for your review. | 03/16/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | Good faith redisclosure D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX (2%)/Schedule K-1 less than 25 Percent) | Most recent K-1 or transcripts not provided |  |  |  | Reviewer Comment (2022-03-29): K-1 provided, meets guidelines.<br>Buyer Comment (2022-03-28): I have provided the XXXX confirmation of XXXX for your review.<br>Reviewer Comment (2022-03-25): Please address the exception asking for 3rd party verification for XXXX - XXXX<br>Buyer Comment (2022-03-24): I have uploaded all K-1's that you required. What Exception is not addressed please clarify?<br>Reviewer Comment (2022-03-24): Other conditions need to be addressed first then this can be elevated<br>Buyer Comment (2022-03-22): All K-1's, the Underwriter's Final Income Calculator confirming which K-1 income was used to qualify have been submitted to you for review.<br>Reviewer Comment (2022-03-18): Please address the other exceptions before this one as it needs to be elevated.<br>Buyer Comment (2022-03-16): This exception calls for the K-1 for The XXXX. I am uploading that K-1 again.<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): The XXXX K-1 for XXXX is attached for your review. | 03/29/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX(5%)/Schedule K-1 less than 25 Percent) | Most recent K-1 or transcripts not provided |  |  |  | Reviewer Comment (2022-03-29): K-1 provided, meets guidelines.<br>Buyer Comment (2022-03-28): I have provided the XXXX verification of XXXX for your review.<br>Reviewer Comment (2022-03-25): Please address the exception asking for 3rd party verification for XXXX - XXXX<br>Buyer Comment (2022-03-24): I have uploaded all K-1's that you required. What Exception is not addressed please clarify?<br>Reviewer Comment (2022-03-24): Please address the other exceptions before this one s it needs to be elevated.<br>Buyer Comment (2022-03-22): Please clear! All K-1's, the Underwriter's Final Income Calculator confirming which K-1 income was used to qualify have been submitted to you for review.<br>Reviewer Comment (2022-03-18): Please address the other exceptions before this one as it needs to be elevated.<br>Buyer Comment (2022-03-16): The K-1 for XXXX (5%) was uploaded. Did you receive it?<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): The XXXX K-1 for XXXX (5%) is attached for your review. | 03/29/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX (1%)/Schedule K-1 less than 25 Percent) | Most recent K-1 or transcripts not provided |  |  |  | Reviewer Comment (2022-03-29): K-1 provided, meets guidelines.<br>Buyer Comment (2022-03-28): I have addressed XXXX - XXXX LLC with confirmation from the XXXX for your review.<br>Reviewer Comment (2022-03-25): Please address the exception asking for 3rd party verification for XXXX - XXXX<br>Buyer Comment (2022-03-24): I have uploaded all K-1's that you required. What Exception is not addressed please clarify?<br>Reviewer Comment (2022-03-24): Please address the other exceptions first as this one will need to be elevated.<br>Buyer Comment (2022-03-22): Please clear! All K-1's, the Underwriter's Final Income Calculator confirming which K-1 income was used to qualify have been submitted to you for review.<br>Reviewer Comment (2022-03-18): Please address the other exceptions before this one as it needs to be elevated.<br>Buyer Comment (2022-03-16): I can see the K-1 for CV XXXX LLC has been uploaded. Did you not get it? I can send it again.<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): The XXXX K-1 for CV XXXX LLC is attached for your review. | 03/29/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX/Schedule K-1 less than 25 Percent) | Most recent K-1 or transcripts not provided |  |  |  | Reviewer Comment (2022-03-21): Cleared<br>Buyer Comment (2022-03-18): I have uploaded the Underwriter's Final Income Calculator to confirm what income was used to calculate the Borrower's income. Also, the Business Returns in file for your review.<br>Reviewer Comment (2022-03-18): please confirm that the XXXX income is being removed<br>Buyer Comment (2022-03-16): I am uploading the LOE from the Borrower explaining he has not interest in XXXX and Statement 7 to the tax returns showing his K-1's for your review.<br>Reviewer Comment (2022-03-16): Need k-1 for XXXX not co invest.<br>Buyer Comment (2022-03-15): The XXXX K-1 for XXXX-Invest is attached for your review. | 3/2XXXX 11:56:24 AM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. XXXX (5.77%)/Schedule K-1 less than 25 Percent) | Most recent K-1 or transcripts not provided |  |  |  | Reviewer Comment (2022-03-29): K-1 provided, meets guidelines.<br>Buyer Comment (2022-03-28): I have addressed XXXX-XXXX-XXXX LLC with documentation from the XXXX for your review.<br>Reviewer Comment (2022-03-25): Please address the exception asking for 3rd party verification for XXXX - XXXX<br>Buyer Comment (2022-03-24): I have uploaded all K-1's that you required. What Exception is not addressed please clarify?<br>Reviewer Comment (2022-03-24): Please address the other exceptions first as this will need to be elevated.<br>Buyer Comment (2022-03-22): Please clear! All K-1's, the Underwriter's Final Income Calculator confirming which K-1 income was used to qualify have been submitted to you for review.<br>Reviewer Comment (2022-03-18): Please address the other exceptions before this one as it needs to be elevated.<br>Buyer Comment (2022-03-16): I am confused! I am attaching the letter from the Borrower explaining he has no interest in XXXX and statement 7 to the tax returns listing his K-1's.<br>Reviewer Comment (2022-03-16): One the K-1 for XXXX is received i can have these addressed.<br>Buyer Comment (2022-03-15): The XXXX K-1 for XXXX is attached for your review. | 03/29/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Recent mortgage statement not provided |  |  |  | Reviewer Comment (2022-03-18): Cleared<br>Buyer Comment (2022-03-17): I have uploaded page 2 of the Borrower's Credit Report that confirms the previous tradeline with XXXX account XXXX, opened XXX and paid in full on XXXX for XXXX. Also, the Drive Report Property Detail Report showing the $XXXX loan in XXXX. Also, I have uploaded the property tax bill, insurance and LOE that there is no HOA for your review. | 03/18/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:Secondary/02/25/2022) |  |  |  |  | Reviewer Comment (2022-03-23): Cleared<br>Buyer Comment (2022-03-22): See evidence that both appraisals were delivered to bwr<br>Reviewer Comment (2022-03-18): this exception si for the second appraisal. there is no proof of delivery and the docs provided were signed before the second appraisal was completed<br>Buyer Comment (2022-03-16): I am providing the Notice of Right to Receive Copy of Written Appraisal/Valuation Disclosure and the Appraisal Confirmation form signed by the Borrower for your review. | XXXX 10:06:42 AM |  |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | D B A C | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,094.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | The fee increased on the 02/25 CD without a VCC. Please provide a detailed VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. |  |  |  | Reviewer Comment (2022-03-23): Situs AMC upon further review received a LOX lieu of COC and supporting Rate Lock Agreement for Loan Discount Point added due to Pricing change.<br>Buyer Comment (2022-03-22): I have uploaded 2 emails from XXXX Lock In Desk explaining the Locks on 2-11, the correct lock in confirmation for your review.<br>Reviewer Comment (2022-03-21): SitusAMC received COC dated XX/XX/XXXX for revised LE dated XX/XX/XXXX sequence 2 .But need additional information/document to justify the reason why fee was increased as rate lock dated XX/XX/XXXX in file and it is considered for initial LE XX/XX/XXXX sequence 1 is locked and no discount point disclosed. Please provide additional information/document or need cure.<br>Buyer Comment (2022-03-18): I have uploaded the XXXX LE, the loan was locked on XXXX cost was XXX = $1XXXX. Also the Disclosure Tracking Summary and the COC is attached for your review. | XXXX 10:51:54 AM |  |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Second Appraisal Fee. Fee Amount of $1,070.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | A cure was provided at close. |  |  |  | Reviewer Comment (2022-03-18): A cure was provided at close. |  | 03/18/2022 |  | 2 B | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | Unable to determine if the borrower received Settlement Service Provider List due to missing information. | Missing information |  |  |  | Reviewer Comment (2022-03-24): Cleared | 03/24/2022 |  |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | No Defined Cure B A | Non QM | Non QM | No |
| 218287336 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,070.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-23): Sufficient Cure Provided At Closing |  | 03/23/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287337 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-03-31): Received corrected 1008 and consider approval document , Exception cleared.<br>Buyer Comment (2022-03-30): Please see attached 1008<br>Reviewer Comment (2022-03-30): Received approval document , however rate on approval matches the note , however rate on 1008 is incorrect , also Qualifying rate and DTI is mismatch on 1008 compare to approval , exception remains.<br>Buyer Comment (2022-03-29): See attached approval | 3/3XXXX 10:55:10 AM |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287337 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Title policy amount not provided on the title report. |  |  |  | Reviewer Comment (2022-03-30): Received Title Supplement with dollar amount mention on it , Exception cleared.<br>Buyer Comment (2022-03-29): See attached Title with loan amount. | 03/30/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287337 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XX/XX/XXXX) | Loan does not have an escrow account and the reason was not reflected on the final CD. |  |  |  | Reviewer Comment (2022-03-30): SItusAMC received Post CD and LOX.<br>Buyer Comment (2022-03-29): Please see attached PCCD, LOE and tracking |  | 03/30/2022 |  | 2 C B | XX/XX/XXXX | CA | Primary | XXXX | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XX/XX/XXXX) |  |  |  |  | Reviewer Comment (2022-03-29): SitusAMC Upon further review LE was sent within 3 days of the application.<br>Buyer Comment (2022-03-29): The loan application was XXXX. Due to the holiday we were closed Friday December 31st and January 1st. The last day to send the initial application was January 4th, which is the day the initial application was sent. LE timing was met.<br>Buyer Comment (2022-03-29): XXXX<br>Buyer Comment (2022-03-29): Initial LE | 03/29/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,760.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) |  |  |  |  | Reviewer Comment (2022-03-22): Sufficient Cure Provided At Closing |  | 03/22/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The borrower signed the Notice of the Right to Receive a Copy of the Appraisal on XX/XX/XXXX |  |  |  | Reviewer Comment (2022-03-29): SitusAMC received lender attestation that lender office was closed on Friday Dec 31st for New Years Holiday. Timing met<br>Buyer Comment (2022-03-29): The loan application was XXXX. Due to the holiday we were closed Friday December 31st and January 1st. The last day to send the initial application was January 4th, which is the day the initial application was sent. LE timing was met.<br>Buyer Comment (2022-03-29): XXXX<br>Buyer Comment (2022-03-29): Initial LE<br>Reviewer Comment (2022-03-29): SitusAMC received Notice of Right to Received appraisal disclosure. However, electronic deliver reflects XXXX and Initial LE issued XXXX, which also reflects appraisal disclosure verbiage, received XXXX and application date is XXXX. Initial LE &/or the Appraisal Disclosure were not issued until XXXX and 3 business days from XXXX application date should have been issued by XXXX and exceeds 3 business day. Only XXXX is considered a federal holiday and not included in business day count. If lender was closed any additional days for this holiday, a Lender Attestation executed on letterhead stating office closure date(s) &/or proof of company holiday on company website would be needed to exclude any other days, or proof of earlier disclosure issue date required.<br>Buyer Comment (2022-03-28): Uploaded initial appraisal disclosure that was emailed to borrower withing 3 business days of application.<br>Buyer Comment (2022-03-28): Appraisal Disclosure | 03/29/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The List of Homeownership Counseling Organizations was provided to the borrower on XX/XX/XXXX which was more than 3 days of the application dated XX/XX/XXXX. |  |  |  | Reviewer Comment (2022-03-29): Cleared<br>Buyer Comment (2022-03-28): Uploaded Homeowners Counseling Acknowlegement withing 3 business days of application.<br>Buyer Comment (2022-03-28): Homeownership counseling acknoledgement | 03/29/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XXXX 3:45:59 PM | 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 $2,145.00 exceeds tolerance of $1,500.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $XXXX due to Appraisal Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-04-14): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2022-04-14): Uploaded PCCD-LOE-Refund - Tracking.<br>Buyer Comment (2022-04-14): PCCD-LOE-Refund - Tracking<br>Reviewer Comment (2022-03-29): SitusAMC received COC stating, "Appraisal charges are higher than what has been disclosed on LE" which is not a valid reason for increase in Appraisal fee. Kindly provide a valid COC which explains why the fee was increased on LE dated XX/XX/XXXX & XX/XX/XXXX or cure is required for the same.<br>Buyer Comment (2022-03-28): Uploaded Appraisal COC for increase of appraisal costs.<br>Buyer Comment (2022-03-28): Appraisal COC |  | 04/14/2022 |  | 2 C B | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287340 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Second Appraisal Fee. Fee Amount of $1,760.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | 0% tolerance exceeded by $XXXX due to Second Appraisal Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2022-04-14): SitusAMC upon further review as cure provided at closing no further action required<br>Buyer Comment (2022-04-14): Please clear uploaded PCCD-LOE-Refund - Tracking for the other appraisal fee exception.<br>Reviewer Comment (2022-03-29): SitusAMC upon further review, on Final CD we have received Lender credit of $XXXX in Section J. However, once the Appraisal fee citing is cleared, we'll be able to clear Second Appraisal fee citing. Exception remains.<br>Buyer Comment (2022-03-28): Uploaded exercuted closing disclosure that reflects $XXXX given to borrower as a lender credit at closing for under disclosed second appraisal fee.<br>Buyer Comment (2022-03-28): Executed final CD | 04/14/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287342 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Compliance Report (XXXX, XXXX, etc.) not provided |  | Compliance Report is missing. |  |  |  | Reviewer Comment (2022-03-31): Received Compliance Report , Exception cleared.<br>Buyer Comment (2022-03-30): Compliance report uploaded | 03/31/2022 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287342 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $875.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) | Appraisal Fee was last disclosed as $XXXX on LE and on Final Closing Disclosure as $XXXX. File does not contain a valid COC for this fee. Lender credits provided $25.00 |  |  |  | Reviewer Comment (2022-03-25): Sufficient Cure Provided At Closing |  | 03/25/2022 |  | 1 A | XX/XX/XXXX | FL | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287344 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-03-31): Received corrected 1008 and considered approval document , Exception cleared.<br>Buyer Comment (2022-03-30): Please see 1008<br>Reviewer Comment (2022-03-30): Loan amount, LTV & DTI on Approval document do not match 1008. Exception Remains.<br>Buyer Comment (2022-03-29): See attached CTC approval | 3/3XXXX 11:53:01 AM |  |  | 1 C A | XX/XX/XXXX | WA | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287344 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,600.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) | Tolerance exceeded with cure provided. |  |  |  | Reviewer Comment (2022-03-25): Sufficient Cure Provided At Closing |  | 03/25/2022 |  | 1 A | XX/XX/XXXX | WA | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287344 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing the June 2020 statement to verify income for a complete 24 month statement history. |  |  |  | Reviewer Comment (2022-04-06): Received required document , Exception cleared.<br>Buyer Comment (2022-04-04): Please see attached<br>Reviewer Comment (2022-03-31): We require June 2020 statement for account #XXXX of " XXXX" , Exception remains.<br>Buyer Comment (2022-03-30): Please see June statement | 04/06/2022 |  |  | 1 C A | XX/XX/XXXX | WA | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287345 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Preliminary does not reflect a proposed title policy amount. Amended title report or supplement indicating proposed amount is not in file. |  |  |  | Reviewer Comment (2022-04-01): Received Title supplement indicating proposed amount, doc associated & system updated. Exception Cleared<br>Buyer Comment (2022-03-31): title supplement attached | 04/01/2022 |  |  | 1 B A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287345 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | Missing verification $XXXX wire transfer dated XX/XX/XXXX from XXX #XXXX to XXXXX is for XX/XX/XXXX purchase of XXXX residence purchased XX/XX/XXXX. Subject down payment wired from account XX/XX/XXXX. Documentation will support sufficent assets for closing and reserves for subject loan dated XX/XX/XXXX. Asset docunmentation in file pre-dates XX/XX/XXXX purchase of departure residence but is dated within 90 days of subject loan transaction dated XX/XX/XXXX. |  |  |  | Reviewer Comment (2022-04-01): Cleared<br>Buyer Comment (2022-03-31): The large deposit was a wire from a sale of REO property | 04/01/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287345 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower rented XXXX prior residence until XX/XX then moved back with parents from XX/XX to XX/XX until XXXX current primary was purchased XX/XX/XXXX. Allow no primary housing history due to living rent free with parents from XX/XX to XX/XX vs. program restriction that Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. (Note: Borrower purchased current primary XX/XX/XXXX which is a duplex and planned to occupy one unit and rent the second unit. While fixing it up to move in, the Borrower came across the subject which is a XXX and much closer to the Borrower's parents that would work much better as a primary residence. The Borrower now intends on occupying the subject renting out both units in the duplex per letter of explanation provided. Lender's Exception Approval is in file | Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 25.04 months > 13 months | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-03-29): Lender granted exception approval in loan file. |  |  | 03/29/2022 | 2 B | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Lender's Conditional Approval missing. |  |  |  | Reviewer Comment (2022-04-07): Received conditional approval , Exception cleared.<br>Buyer Comment (2022-04-06): Uploaded Loan Approval<br>Buyer Comment (2022-04-06): Loan Approval | 04/07/2022 |  |  | 1 C A | XX/XX/XXXX | AZ | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  | Reviewer Comment (2022-04-07): RTC with disbursement date after XX/XX/XXXX and funding worksheet reflecting XXXX.<br>Buyer Comment (2022-04-06): Uploaded the NRTC that reflects lat day of recission is XXXX and the Funding Verification Worksheet validating the loan was not disbursed until XXXX. Please clear met the 3 day requirement.<br>Buyer Comment (2022-04-06): Funding Verification<br>Buyer Comment (2022-04-06): Notice of Right to Cancel | 04/07/2022 |  |  | 1 C A | XX/XX/XXXX | AZ | Primary | XXXX | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,265.00 exceeds tolerance of $4,826.00. Insufficient or no cure was provided to the borrower. (XXX) | Fee change without valid change of circumstance. |  |  |  | Reviewer Comment (2022-04-14): SitusAMC received CD and COC no further action required<br>Buyer Comment (2022-04-13): Uploaded CD dated XXXX for COC<br>Buyer Comment (2022-04-13): CD XXXX<br>Reviewer Comment (2022-04-06): SitusAMC - XXXX COC shows re-disclosure date of XXXX, however, there is no CD disclosed within 3 business days in file. Closest CD available is XXXX which is outside 3 business day from COC date. Please provide a CD disclosed within 3 business days from change date of XXXX or cure documents. Exception will be cleared once resolution/cure received on all open 0% citings(including CDA Fee). Exception remains.<br>Buyer Comment (2022-04-06): Uploaded COC<br>Buyer Comment (2022-04-06): COC | 04/14/2022 |  |  | 1 C A | XX/XX/XXXX | AZ | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 $600.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. (XXX) | Fee change without valid change of circumstance. |  |  |  | Reviewer Comment (2022-04-19): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Buyer Comment (2022-04-18): XXXX-PCCD-LOE- Tracking - Refund - uploaded for other exception. Olease clear this one<br>Reviewer Comment (2022-04-06): SitusAMC - Cure provided at closing is not sufficient to cure all citings (CDA Fee, Discount points). Exception will be cleared, once resolution/cure received on all open 0% exceptions.<br>Buyer Comment (2022-04-06): Up0loaded executed closing disclsore that reflects $25.00 lender credit given to borrower at closing for underdisclosed appraisal fee.<br>Buyer Comment (2022-04-06): Final Closing Disclosure |  | 04/19/2022 |  | 2 C B | XX/XX/XXXX | AZ | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $175.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (XXXX) | Fee change without valid change of circumstance. |  |  |  | Reviewer Comment (2022-04-19): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.<br>Buyer Comment (2022-04-18): Uploaded XXXX-PCCD-LOE- Tracking - Refund -.<br>Buyer Comment (2022-04-18): XXXX-PCCD-LOE- Tracking - Refund - |  | 04/19/2022 |  | 2 C B | XX/XX/XXXX | AZ | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Self-employment verified less than 2 years (1yr 10mos) from Note date. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-02): Comp factors used to waive exception<br>Buyer Comment (2022-06-01): Uploaded Exception Self-employment less than 2 years<br>Reviewer Comment (2022-05-23): the fraud report is not an acceptable form of third party verification.<br>Buyer Comment (2022-05-23): The Fraud report is third party verification Please clear<br>Reviewer Comment (2022-05-23): The information on the Fraud report is info provided by the borrower and input by the entity pulling the report - this is not considered third party confirmation of anything. Condition remains open.<br>Buyer Comment (2022-05-19): Uploaded third party verification that reflects borrower owner for 2.6 years with XXXX on pages 2,3, and 5.<br>Reviewer Comment (2022-04-07): Missing evidence of Self Employment as stated by lender starting XXXX.<br>Buyer Comment (2022-04-07): Borrwer has been self employed and owned XXXX since XXXX begfore incorporating. please clear<br>Reviewer Comment (2022-04-07): LOE from borrower is not enough , we would require Third Party verification XXXX date before the incorporation date , Exception remains.<br>Buyer Comment (2022-04-06): Uploaded LOE from Borrower he has been self employed since XXXX with XXXX and was incorporated on XXXX which meets the 2 year requirement. Please clear<br>Buyer Comment (2022-04-06): BFS LOE |  |  | 06/02/2022 | 2 C B | XX/XX/XXXX | AZ | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287346 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Business Return Transcripts XXXX, Transcripts (1040) (XXXX) |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factors used to waive exception | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-02): Comp factors used to waive exception<br>Buyer Comment (2022-06-01): uploaded exception for Business tax transcripts<br>Reviewer Comment (2022-04-21): As business returns are dated XXXX business transcripts should be available.<br>Buyer Comment (2022-04-20): Please clear 2021 Business tax transcrits not available at this time yet.<br>Reviewer Comment (2022-04-20): 1040 transcripts for XXXX received. as 2021 business returns were filed please provide 2021 business return transcripts.<br>Buyer Comment (2022-04-19): Uploaded XXXX tax Transcripts. 2021 is not available yet. KM<br>Buyer Comment (2022-04-19): XXXX Tax Transcripts |  |  | 06/02/2022 | 2 C B | XX/XX/XXXX | AZ | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287351 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,062.50 is less than amount of binding Lender Credit previously disclosed in the amount of $-4,875.00. (XXXX) | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  |  |  | Reviewer Comment (2022-04-04): SitusAMC received valid changed circumstance.<br>Buyer Comment (2022-04-01): Lock for review<br>Buyer Comment (2022-04-01): COC for review | 04/04/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287351 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/XX/XX/XXXX) | The CD is actually correct. The Note is in error as it has the initial P&I payment amount as the fully amortized payment instead of the P&I interest only payment amount. |  |  |  | Reviewer Comment (2022-04-27): SitusAMC received Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission<br>Buyer Comment (2022-04-26): Uploaded PCCD, LOX, Tracking and RTC.<br>Reviewer Comment (2022-04-20): Please provide PCCD showing correct initial payment in loan terms along with LOE, Proof of Delivery Re-opening of RTC and proof of delivery to cure.<br>Buyer Comment (2022-04-19): Corrected Note for review<br>Reviewer Comment (2022-04-05): Note appears to be incorrect on the payment amount for the 1st 10 years on this interest only note. Calculations indicate the amount of the payment for the first 10 years should be $XXXX. Instead the note indicates the payment for the first 10 years is the same as the rest of the payments, and is not shown as an interest only. Likewise page one of the final CD lists the fully amortized payment of $XXXX. and not the interest only amount.<br>Buyer Comment (2022-04-04): Exe Note for review<br>Reviewer Comment (2022-04-04): SitusAMC received copy of 3-21-22 final CD, however the Monthly Principal & Interest on page 1 of in Loan Terms has the incorrectly disclosed $XXX amount, and should reflect the initial interest only payment of $XXXX. Corrected CD & LOE to borrower required.<br>Buyer Comment (2022-04-01): Exe CD for review |  | 04/27/2022 |  | 2 C B | XX/XX/XXXX | CA | Primary | XXXX | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| 218287354 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-04-06): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-04-04): The Conditional Loan Approval and the 1008 are attached for your review. | 04/06/2022 |  |  | 1 C A | XX/XX/XXXX | CO | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287354 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,600.00 exceeds tolerance of $5,775.00. Insufficient or no cure was provided to the borrower. (XXX) | Missing valid Change of Circumstance for $XXXX Loan Discount fee amount disclosed in Initial Closing Disclosure dated XX/XX/XXXX. Final Closing Disclsoure does disclosed a Lender cure credit for $825.00 tolerance amount |  |  |  | Reviewer Comment (2022-04-05): "SitusAMC received LE and rate lock document in order to clear this exception.<br>Buyer Comment (2022-04-04): I am providing the LE's, CD's Disclosure Tracking and COC(s) for your review. The changes in the points occurred when the loan was locked on XXXX. | 04/05/2022 |  |  | 1 C A | XX/XX/XXXX | CO | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287354 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $175.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. (XXXX) | Final Closing Disclposure discloses a $25.00 Lender cure credit for CDA Fee tolerance |  |  |  | Reviewer Comment (2022-04-05): "Sufficient cure provided at closing.<br>Buyer Comment (2022-04-04): Please see all LE's, CD's that confirm the Borrower was given a $25.00 Lender Credit for under disclosing the Collateral Fee at Closing for your review. | 04/05/2022 |  |  | 1 C A | XX/XX/XXXX | CO | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 218287354 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.92 is less than Guideline PITIA months reserves of 6.00. | 2.92 months < 6 months. Borrower's 2.92 months PITIA reserves of their own eligible funds is less than 3 months minimum required to support using $XXXX cash out proceeds towards meeting 6 months PITIA reserve requirement. |  |  |  | Reviewer Comment (2022-04-18): Received required documentation. Cleared.<br>Buyer Comment (2022-04-15): Also, please see page 5 of the bank statement that I have just provided. On XXX, balance by date, the balance in the account was $XXXX.<br>Buyer Comment (2022-04-15): The last statement in file is from XX/XX/XXXX to XX/XX/XXX. The updated bank statement provided is from XX/XX/XXXX to XX/XX/XXXX. I realize that the ending date is after closing on XXX but it is the most recent updated bank statement on this account. Please advise why this statement will not suffice for reserves.<br>Reviewer Comment (2022-04-15): Statement provided is post dated after the closing date of XX/XX/XXXX, and therefore can not be used. If account is used please provide the full month statement up to the closing date, with the balance provided for the account on the date of closing. Exception remains.<br>Buyer Comment (2022-04-13): The Borrower finally responded! Attached please find the XXXX statement with the ending balance of $XXXX for your review.<br>Reviewer Comment (2022-04-13): Latest bank statement in file dated XXXX reflects available assets as $XXXX resulting in reserves of 2.92 months. Verification of deposit provided is post close and balance cannot be counted towards reserves.<br>Buyer Comment (2022-04-11): This is a cash out refinance has 3 months PITI is required from the Borrower's own funds. $XXXX. There was a little bit of a language barrier and so I requested a VOD to update her balance in the XXXX account. I also have updated the 1003 for your review . | 04/18/2022 |  |  | 1 C A | XX/XX/XXXX | CO | Primary | XXXX | C A | Non QM | Non QM | No |
| 218287354 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Collateral Desktop Analysis. Fee Amount of $175.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) | "Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-04-05): Sufficient Cure Provided At Closing |  | 04/05/2022 |  | 1 A | XX/XX/XXXX | CO | Primary | XXXX | Final CD evidences Cure A | Non QM | Non QM | No |
| 218287358 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-18,281.25 is less than amount of binding Lender Credit previously disclosed in the amount of $-19,688.00. (XXXX) | Lender credit initially disclosed on the Loan estimate is less than the credit finally disclosed. |  |  |  | Reviewer Comment (2022-04-12): SitusAMC received VCC, exception is cleared.<br>Buyer Comment (2022-04-11): COC, dated 03.25.2022, reflecting a change in Lender Credit due to change in loan amount, rate lock and a cure for $XXXX for an under-disclosed 2nd Appraisal Fee. | 04/12/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287358 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 Second Appraisal Fee. Fee Amount of $1,225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (XXX) | Tolerance exceeded with cure provided. |  |  |  | Reviewer Comment (2022-04-12): SitusAMC : Upon further review, sufficient cure was provided at closing.<br>Buyer Comment (2022-04-11): COC, dated XXXX, reflecting a change in Lender Credit due to change in loan amount, rate lock and a cure for $XXXX for an under-disclosed 2nd Appraisal Fee. | 04/12/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 218287358 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 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 41,688.24 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (Final/XX/XX/XXXX) | Taxes verified in file reflect $XXXX which does not match to the estimated property cost over year 1 on the final CD. |  |  |  | Reviewer Comment (2022-04-12): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2022-04-11): LOE, PCCD Email delivery of corrected 1st year non-escrowed property cost. Tax XXXX + HOI $144.00 X 11= $XXXX. |  | 04/12/2022 |  | 2 B | XX/XX/XXXX | CA | Primary | XXXX | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 218287358 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-04-12): Received Approval , Exception cleared.<br>Buyer Comment (2022-04-11): 1008 and Approval. | 04/12/2022 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | XXXX | C B A | Non QM | Non QM | No |
| 218287358 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXX) | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-04-12): Sufficient Cure Provided At Closing |  | 04/12/2022 |  | 1 A | XX/XX/XXXX | CA | Primary | XXXX | Final CD evidences Cure B A | Non QM | Non QM | No |

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## Exhibit 99.04

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.04**

![](logositus-001.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 1/23/2023 12:01:29 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **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** | **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** | **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** | **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** | **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** | **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** | **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** | **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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 204996097 | XXXX |  |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 10/09/2018 | 10/04/2018 | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% |  | Low | 10/11/2018 | 10/11/2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 208141471 | XXXX |  |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 09/11/2019 | 09/11/2019 | Appraisal | $XXXX | $0.00 | 0.000% | 09/16/2019 | 09/11/2019 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218287311 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 02/18/2022 | 02/16/2022 | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218287315 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 03/02/2022 | 02/27/2022 | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218287319 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 01/05/2022 | 12/16/2021 | Appraisal | $XXXX | $0.00 | 0.000% | 02/17/2022 | 12/16/2021 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218287321 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 01/24/2022 | 01/19/2022 | Appraisal | $XXXX | $XXXX | -2.308% | 01/28/2022 | 01/19/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 218287324 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/17/2022 | 02/15/2022 | Appraisal | $XXXX | $XXXX | 39.535% | 02/16/2022 | 02/16/2022 | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| 218287327 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/01/2022 | 01/24/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 03/11/2022 | 01/24/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 218287329 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/25/2022 | 02/14/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 02/17/2022 | 02/14/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 218287332 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 01/27/2022 | 01/27/2022 | Appraisal | $XXXX | $XXXX | -4.815% | 02/08/2022 | 01/27/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 218287335 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 12/15/2021 | 12/13/2021 | Appraisal | $XXXX | $0.00 | 0.000% | 03/04/2022 | 12/13/2021 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 218287336 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/07/2022 | 02/05/2022 | Appraisal | $XXXX | $XXXX | 1.085% | 02/25/2022 | 02/22/2022 | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 218287337 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 02/23/2022 | 02/23/2022 | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218287340 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/23/2022 | 02/01/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 02/28/2022 | 02/01/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 218287342 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 02/23/2022 | 02/16/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 03/18/2022 | 02/16/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 218287344 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 12/02/2021 | 11/23/2021 | Appraisal | $XXXX | $0.00 | 0.000% | 03/03/2022 | 11/23/2021 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 218287345 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 03/06/2022 | 03/04/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 03/07/2022 | 03/03/2022 | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 218287346 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/02/2022 | 01/28/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 02/04/2022 | 01/28/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 |
| 218287351 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 03/10/2022 | 03/07/2022 | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| 218287354 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX |  | $XXXX | $0.00 | 0.000% | $XXXX | 02/18/2022 | 02/15/2022 | Appraisal | $XXXX | $0.00 | 0.000% | 02/28/2022 | 02/15/2022 | Desk Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 218287358 | XXXX | XXXX |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $0.00 | 0.000% | $XXXX | 03/28/2022 | 03/10/2022 | Appraisal | $XXXX | $XXXX | 0.571% | 03/22/2022 | 03/16/2022 | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.80 |

---

## Exhibit 99.05

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.05**

![](logositus-001.jpg)

---

| |
|:---|
| **Data Compare Summary (Total)** |
| **Run Date - 1/23/2023 12:01:30 PM** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 21 | 0.00% | 21 |
| Amortization Term | 0 | 2 | 0.00% | 21 |
| Amortization Type | 0 | 2 | 0.00% | 21 |
| Appraised Value | 0 | 2 | 0.00% | 21 |
| Available for Reserves | 2 | 2 | 100.00% | 21 |
| Borrower First Name | 0 | 2 | 0.00% | 21 |
| Borrower Last Name | 0 | 2 | 0.00% | 21 |
| Borrower Self-Employed? | 0 | 2 | 0.00% | 21 |
| City | 0 | 21 | 0.00% | 21 |
| Contract Sales Price | 7 | 21 | 33.33% | 21 |
| Doc Type | 9 | 18 | 50.00% | 21 |
| First Payment Date | 0 | 2 | 0.00% | 21 |
| Hazard Insurance Monthly Premium | 0 | 2 | 0.00% | 21 |
| Interest Rate Change Frequency | 0 | 2 | 0.00% | 21 |
| Interest Rate Initial Cap | 0 | 2 | 0.00% | 21 |
| Interest Rate Initial Floor | 0 | 2 | 0.00% | 21 |
| Interest Rate Life Max | 0 | 2 | 0.00% | 21 |
| Interest Rate Life Min | 0 | 2 | 0.00% | 21 |
| Interest Rate Periodic Cap | 0 | 2 | 0.00% | 21 |
| Interest Rate Periodic Floor | 0 | 2 | 0.00% | 21 |
| Investor: Qualifying Total Debt Ratio | 1 | 2 | 50.00% | 21 |
| Lien Position | 0 | 2 | 0.00% | 21 |
| Lookback Period | 0 | 2 | 0.00% | 21 |
| LTV Valuation Value | 1 | 19 | 5.26% | 21 |
| Margin | 11 | 21 | 52.38% | 21 |
| Maturity Date | 0 | 2 | 0.00% | 21 |
| Monthly Taxes | 0 | 2 | 0.00% | 21 |
| Note Date | 0 | 2 | 0.00% | 21 |
| Occupancy | 3 | 21 | 14.29% | 21 |
| Original CLTV | 0 | 2 | 0.00% | 21 |
| Original Interest Rate | 0 | 21 | 0.00% | 21 |
| Original Loan Amount | 0 | 21 | 0.00% | 21 |
| Original LTV | 0 | 21 | 0.00% | 21 |
| Original PITIA | 0 | 2 | 0.00% | 21 |
| Original Term | 0 | 21 | 0.00% | 21 |
| Originator Loan Designation | 0 | 2 | 0.00% | 21 |
| Property Type | 2 | 21 | 9.52% | 21 |
| Purpose | 0 | 21 | 0.00% | 21 |
| Refi Purpose | 0 | 13 | 0.00% | 21 |
| Representative FICO | 1 | 21 | 4.76% | 21 |
| Rounding Factor | 0 | 2 | 0.00% | 21 |
| Rounding Method | 0 | 2 | 0.00% | 21 |
| State | 0 | 21 | 0.00% | 21 |
| Street | 0 | 2 | 0.00% | 21 |
| Total Cash-out | 0 | 1 | 0.00% | 21 |
| Total Income | 2 | 2 | 100.00% | 21 |
| Zip | 0 | 2 | 0.00% | 21 |
| **Total** | **39** | **384** | **10.16%** | **21** |

---

## Exhibit 99.06

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.06**

![](logositus-001.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 1/24/2023 10:48:02 AM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 204996097 | XXXX |  |  |  | Available for Reserves | 7642.84 | 7293.32 | Verified | Field value reflects source document |
| 204996097 | XXXX |  |  |  | Total Income | 6553.63 | 6547.88 | Verified | Field value reflects source document |
| 208141471 | XXXX |  |  |  | Available for Reserves | 5951.82 | 4290.46 | Verified | Field value reflects source document |
| 208141471 | XXXX |  |  |  | Total Income | 14917.33 | 16357.17 | Verified | Field value reflects source document |
| 208141471 | XXXX |  |  |  | Investor: Qualifying Total Debt Ratio | 23.596 | 30.32157 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 218287311 | XXXX | XXXX |  |  | Representative FICO | 748 | 0 | Verified | Borrower approved by lender as a Foreign National borrower. A FICO score is not required. |
| 218287311 | XXXX | XXXX |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 218287311 | XXXX | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| 218287315 | XXXX | XXXX |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 218287319 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 218287319 | XXXX | XXXX |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 218287321 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 218287321 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287321 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Unable to verify due to missing information |
| 218287324 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287327 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287327 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 218287332 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287332 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Unable to verify due to missing information |
| 218287335 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287336 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287336 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Unable to verify due to missing information |
| 218287337 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287337 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287340 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 218287340 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287342 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 218287342 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287344 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287344 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287344 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Loan is cash-out refinance. |
| 218287345 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 218287346 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 218287346 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 218287354 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | A10 Select Bank Statements or 1099 |
| 218287354 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 218287354 | XXXX | XXXX |  |  | Contract Sales Price | 0 |  | Verified | Refinance |
| 218287358 | XXXX | XXXX |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 218287358 | XXXX | XXXX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |

---

## Exhibit 99.07

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.07**

![](ex9907001.jpg)

**NARRATIVE**

**EFMT 2023-1**

**By Canopy Financial Technology Partners LLC on January 19, 2022**

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 \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Ellington Financial Inc., and Ellington Empire Fund LLC (collectively known as the "Client") or its affiliated company. The Review was conducted from March 2022 to April 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of Four (4) Loans with an aggregate principal balance of $4,288,650.00.

**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), Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC.

**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;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% 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 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;Origination Date | &nbsp;&nbsp;No tolerance |
| &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 (when applicable) | &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 |

---

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**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:

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

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

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**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● 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:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● 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:

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

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**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:

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

● 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):

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

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● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● 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.]).

**"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.

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**"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;

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

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**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;&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);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **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.

&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).

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&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;&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;&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;&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.

**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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to 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.

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.

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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.

● 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.

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

***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:** 

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

**Agency Eligible Loans:** 

● 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.

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

---

● Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &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**<br> **OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA <br> value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

● Of the 4 Non-Agency Eligible loans reviewed:

● 4 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

● 1 Loan File was noted with a Second Full Appraisal and a Desk Review supporting the original appraised value within a 10% variance.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

 **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. |

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

**C** 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.

**D** 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. |

---

 **FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 0.00% (0 loans) have an overall grade of "B" and 100.00% (4 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (4 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% (4 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (4 loans) have a Property/Valuation grade of "A".

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

 **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;4 | &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;**4** | &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;4 | &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;**4** | &nbsp;&nbsp;**100.00%** |
| &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;4 | &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;**4** | &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;4 | &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;**4** | &nbsp;&nbsp;**100.00%** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

 **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;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4288650.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4288650.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4288650.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4288650.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &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;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$3195000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$585650.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$508000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4288650.00** |
| &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;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4288650.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4288650.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4288650.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4288650.00** |

---

 **DATA COMPARISON RESULTS**

Of the Four (4) mortgage Loan Files reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across twenty-seven (27) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &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;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex9907001.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 \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.08

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.08**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2021120031 |  |  | $XXXX B A |
| 2022010077 |  |  | $XXXX A |
| 2022030066 |  |  | $XXXX D C A |
| 2022020025 |  |  | $XXXX A |

---

## Exhibit 99.09

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 2021120031 |  | B A | Closed | FCRE1182 | 2022-03-28 13:18 | 2022-03-28 13:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided at resubmission. - Due Diligence Vendor-03/28/2022 <br>Ready for Review-Document Uploaded. UW 1008 uploaded - Seller-03/28/2022 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/24/2022 | Ready for Review-Document Uploaded. UW 1008 uploaded - Seller-03/28/2022<br>| Resolved-1008 provided at resubmission. - Due Diligence Vendor-03/28/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | XXXX 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2022010077 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other |  |  |
| 2022030066 |  | D A C | Closed | FCOM1252 | 2022-04-13 13:12 | 2022-04-15 09:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. LE attached - Seller-04/12/2022 <br>Open-\*\*\*Missing Initial Loan Estimate - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. LE attached - Seller-04/12/2022<br>| Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022<br>|  |  | REDISCLOSED LOAN ESTIMATE.pdf<br> REDISCLOSED LOAN ESTIMATEXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | finding-3635 | 2022-04-13 13:13 | 2022-04-15 09:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022 <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% ($9,474.50) exceed the comparable charges ($0.00) 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). \*\*\*It appears the Initial CD is missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022<br>| Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022<br>|  |  | FINAL CDXXXX.pdf<br> REDISCLOSED LOAN ESTIMATEXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | finding-3634 | 2022-04-13 13:33 | 2022-04-15 09:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. Initial LE - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022 <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 $17,219.65.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). \*\*\*It appears the Initial CD is missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. Initial LE - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022<br>| Resolved-\*\*\*Received Initial Disclosure Package issued 3.7.22. - Due Diligence Vendor-04/15/2022<br>|  |  | FINAL CDXXXX.pdf<br> Initial Loan EstimateXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | FCOM1266 | 2022-04-14 11:25 | 2022-04-15 09:28 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. - Seller-04/14/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/14/2022<br>| Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/15/2022<br>|  |  | INITIAL DISCLOSURE PACKAGE (35).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | finding-3632 | 2022-04-13 13:13 | 2022-04-15 09:28 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022 <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. \*\*\*It appears the Initial CD is missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. CD attached - Seller-04/12/2022<br>| Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022<br>|  |  | VERIFICATION OF RECEIPT OF CDXXXX.pdf<br> REDISCLOSED LOAN ESTIMATEXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | finding-3515 | 2022-04-13 13:11 | 2022-04-15 09:27 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. - Seller-04/12/2022 <br>Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*It appears the Initial CD is missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. - Seller-04/12/2022<br>| Resolved-\*\*\*Received initial disclosure package issued 3.7.22. - Due Diligence Vendor-04/15/2022<br>|  |  | REDISCLOSED LOAN ESTIMATE.pdf<br> REDISCLOSED LOAN ESTIMATEXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | finding-3631 | 2022-04-13 13:12 | 2022-04-15 09:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Counter-Received Copy of Initial CD, Final CD, and Revised LE. We are missing the INITIAL LE issued within 3 business days of the application. - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. CD Attached - Seller-04/12/2022 <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. \*\*\*It appears the Initial CD is missing - Due Diligence Vendor-04/06/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. CD Attached - Seller-04/12/2022<br>|  |  |  | FINAL CDXXXX.pdf<br> REDISCLOSED LOAN ESTIMATEXXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022030066 |  | D A C | Closed | FCRE1201 | 2022-04-08 11:36 | 2022-04-11 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission with all flags cleared by underwriter at origination. - Due Diligence Vendor-04/11/2022 <br>Ready for Review-Document Uploaded. Fraud report - Seller-04/08/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/04/2022 | Ready for Review-Document Uploaded. Fraud report - Seller-04/08/2022<br>| Resolved-Third Party Fraud Report provided at resubmission with all flags cleared by underwriter at origination. - Due Diligence Vendor-04/11/2022<br>|  |  | DRIVE REPORT XXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Purchase | NA | N/A | N/A |
| 2022020025 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Purchase | NA |  |  |

---

## Exhibit 99.10

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **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** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **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** |
| 2021120031 |  |  | XX/XX/XXXX | $XXXX |  | $XXXX | $XXXX | 01-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | 0.0 | .000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2022010077 |  |  | XX/XX/XXXX | $XXXX |  | $XXXX | $XXXX | 01-28-2022 | $XXXX | $XXXX | .031 | 02-11-2022 | 1004 URAR |  |  |  |  |  |  |  | $XXXX | 0.0 | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2022030066 |  |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $XXXX | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | 0.0 | .000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2022020025 |  |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $XXXX | 02-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXX | 0.0 | .000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.11**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.12

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.12**

![(GRAPHIC)](ex9912001.jpg)

**January 19, 2023**<br> **Due Diligence Narrative Report**<br>

![(GRAPHIC)](ex9912002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 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 Integrity | 6 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **14** |

---

EFMT 2023-1 Due Diligence Narrative Report Page \| 1 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![(GRAPHIC)](ex9912003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex9912003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 19 residential loans. Ellington Financial Inc., and Ellington Empire Fund LLC subsequently purchased these loans via reliance letter and selected these loans for the EFMT 2023-1 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from April of 2022 to June of 2022. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 18 | 94.74% |
| &nbsp;&nbsp;Retail | 1 | 5.26% |
| &nbsp;&nbsp;**Total** | **19** | **100.00%** |

---

EFMT 2023-1 Due Diligence Narrative Report Page \| 2 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Review scope  | &nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;19 |

---

Loan Grading

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton'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.

![(GRAPHIC)](ex9912004.jpg)

EFMT 2023-1 Due Diligence Narrative Report Page \| 3 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

Clayton's Credit scope of review conducted on 19 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these
against the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (19 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (19 loans)

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

● CU Score

● Desk Review

● BPO

● Reconciliations

For further detail please refer to the EFMT 2023-1 Valuations Summary Report

EFMT 2023-1 Due Diligence Narrative Report Page \| 4 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 17 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

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

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

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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 to such loans upon the affirmative election by Ellington Financial Inc.

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

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 19 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from seller/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;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

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Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4.3 data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results** 

Clayton provided Ellington Financial Inc., with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 19 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;73.68% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;84.21% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;3 | &nbsp;&nbsp;84.21% |

---

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**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 10 |  | 5 | 2 | **17** |
| **Final** | **B** |  |  | 1 | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **10** | **0** | **6** | **3** | **19** |

---

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.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 10 |  | 6 | 3 | **19** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **10** | **0** | **6** | **3** | **19** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 19 |  |  |  | **19** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **19** | **0** | **0** | **0** | **19** |

---

EFMT 2023-1 Due Diligence Narrative Report Page \| 8 January 19, 2023

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**<u>Initial and Final Regulatory Compliance Grade Results</u>** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 15 |  |  |  | **15** |
| **Final** | **B** |  | 1 | 1 |  | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **15** | **1** | **1** | **0** | **17** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (2 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Upload Report

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

**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

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○ 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)

– 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

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– 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

– 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

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– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

**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;▪ Subject front, rear and street photos and valued features

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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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:

– 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's certification is present and executed within the original appraisal.

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

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

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○ 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

**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

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![(GRAPHIC)](ex9912002.jpg)

**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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

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

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

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

EFMT 2023-1 Due Diligence Narrative Report Page \| 15 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EFMT 2023-1 Due Diligence Narrative Report Page \| 16 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

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

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

EFMT 2023-1 Due Diligence Narrative Report Page \| 17 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br>Cleveland Heights ordinance  |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

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

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

---

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

---

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

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

---

EFMT 2023-1 Due Diligence Narrative Report Page \| 18 January 19, 2023

![(GRAPHIC)](ex9912002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

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

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

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

**<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.© 2023 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

EFMT 2023-1 Due Diligence Narrative Report Page \| 19 January 19, 2023

## Exhibit 99.13

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.13**

---

| | |
|:---|:---|
| **Client Name:** | **Ellington** |
| **Client Project Name:** | **EFMT 2023-1** |
| **Start - End Dates:** | **4/13/2022 - 6/15/2022** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *9* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - XXXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence - 5 years |
| XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying credit score<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: borrower has over 6 months reserves in PITIA<br>CFCFS3830: Addtional collateral with a value equal to at least 10% down payment<br> - Clayton Comments: borrower owns another property with over 10% in equity |
| XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 716.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current Residence for over 6 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Verification of Mortgage for the borrowers primary residence at XXXX, AR XXXX | 6.6.2022-Clients response: June 6th 2022, 2:24:52 pmhe VOM was current showing on the credit report until they sold the home please see the attached settlement statement showing this transaction and then borrower was living rent free with his sister until his house was completed. Please clear the condition.6.6.2022-Clayton's response: The 1031 documents have been received and along with the letter from the borrower's sister stating he living rent free with her until his home was completed. Exception is satisfied. | 6.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 800<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in market rent per comps<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines - 14.52% credit line ratio |
| XXXX | XXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide Exchange Agreement from 1031 exchange, Land Title Exchange, LLC for property located at XXXX AR XXXX. | 6.6.2022-Clients response: June 6th 2022, 1:49:40 pmPlease see the attached exchange for the property located at XXXX6.6.2022-Clayton's response: The 1031 Exchange for XXXX. has been received and is sufficient to clear the exception. Exception is satisfied. | 6.6.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 800<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: High potential for increased earnings - Uptick in market rent per comps<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines - 14.52% credit line ratio |
| XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Please provide updated title showing Borrower as XXXX, A Single Woman. File contains a preliminary title showing property is vested in XXXX, as Trustee of the XXXX Living Trust dated XXXX. Loan did not close in Trust. | 5.4.2022-Clients response: May 3rd 2022, 1:43:05 pmPlease see the attached Title Policy showing correct vesting. Please clear the exception.5.4.2022-Clayton's response: Upon further review the title commitment has been updated to reflect the correct borrower and lender. Exception satisfied. | 5.4.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 733.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit report, borrower has a good credit report with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Please provide the final title policy showing XXXX as the insured instead of XXXX or a supplement to the commitment. | 4.29.2022-Clients respone:April 29th 2022, 11:19:21 amPlease see the attached prelim showing XXXX as the insured. Please clear the exception4.29.2022-Clayton's response: Upon further review the Title policy has been reviewed and is sufficient to satisfy the condition. Exception is satisfied. | 4.29.2022-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 9 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for over 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXXX% is below guideline requirement of 80% for this program. |
| XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Borrower has over 6 months reserves in PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 qualifying credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26, max DTI 50<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXXX, max LTV XXXX |
| XXXX | XXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XXXX; guideline maximum is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers Credit score 676; guideline minimum is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided at the current residence for 2.8 years. |
| XXXX | XXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Please provide the business license and or a CPA/Accountant letter that states how long the business has been open and the percentage of ownership. | 5.23.2022 Client responded - Please see the attached business license. Please clear the exception.5.23.2022 Client sent in copy of Corporation Division Business Search verifying the existence of the Corporation since XXXX and the President being XXXX, borrower. No further action required. Exception satisfied. | 5.23.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 31 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for over 50 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current. |
| XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 693.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 2 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a Good Credit history with just one derogatory account. |
| XXXX | XXXX | MA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Please provide sufficient cash to close $42,085.97 and 6 months of PITIA $27,349.38 that has been seasoned, | 5.10.2022 Client responded - The funds to close came from Loan #XXXX. Please see attached Final SettlementStatement and Final Loan Approval for Loan #XXXX. Also see attached 401K retirementstatements used for the reserves.5.10.2022 Upon further review client sent in copy of Final HUD for refinance of another property XXXX XXXX loan # XXXX with borrower receiving $XXXX for closing on subject property and retirement statements used for reserves. No further action required. Exception satisfied | 5.10.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly reduction<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXX | XXXX | MA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Please provide a copy of the lien release for the subject property from XXXX. | 5.10.2022 Client responded - Please see attached Lien Release. Please clear this condition.5.10.2022 Upon further review client sent in copy of the Lien release from Attorney to XXXX for subject property. No further action required. Exception satisfied. | 5.10.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Significant total monthly reduction<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXX | XXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score 728.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Report, Borrower has a good Credit History with no derogatory account.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Per Credit Report, Borrower has a positive mortgage payment history. |
| XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C B | B | B C A | B | B | Compliance | Compliance Manual | Active B | CMPMAN2992 | 1003 - Initial Application is not Accurate | No | Please provide the initial 1003 and the final 1003 that has been corrected to reflect that B1 is a permanent resident alien. | (No Data) | Provide corrected 1003. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 795<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - XXXX |
| XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C B | B | B C A | B | B | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Please provide sufficient assets to meet the reserves requirement of $15,439.62. After closing the borrower has $806.67; the reserves must come from funds that have been seasoned for 60 days. | 5.6.2022 Client responded - Please see the attached statements to show proof of asset to meet the reserves Please clear the condition. 5.6.2022 Upon further review client sent in XXXX statements account XXXX and XXXX from XXXX and XXXX verifying additional funds to cover reserves. No further action required. Exception satisfied. | 5.6.2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 795<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - XXXX |
| XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt C B | B | B C A | B | B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective date XXXX is greater than the transaction date XXXX | 5.6.2022 Client responded - Please see the attached ins policy reflecting the correct dates please clear the exception5.6.2022 Upon further review client sent in an updated Hazard Insurance Declaration with effective date of XXXX through XXXX and a closing date of XXXX. No further action required. Exception satisfied. | 5.6.2022 Exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines - $XXXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines - 795<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements - XXXX |
| XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC890 | Employment is Unsupported by Documentation in File | No | Please provide either a CPA letter or the business license for the borrower's business. | 5.25.2022 - Client responded - Please see LOE from CPA. Please clear the exception. 5.25.2022 - Client sent in the CAP letter confirming XXXX is 100% owner of XXXX. since 2001. Exception satisfied. | 5.25.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score 662.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for over 21 years. |
| XXXX | XXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Please provide an updated commitment showing XXXX as the lender or the final Title Policy showing the correct lender. | 5.25.2022-Clients response: May 25th 2022, 1:18:37 pmPlease see attached final title policy, please clear the exception. 5.25.2022-Clayton's response-The title policy was received showing the correct borrower and lender. The exception is satisfied. | 5.25.2022-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score 662.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for over 2 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for over 21 years. |
| XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Texas Home Equity | Satisfied C A | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Rule Cancelled by updated data points | Client response: 6/7/2022 - Please see attached XXXX Response. Please clear this exception. Clayton response: 6/7/2022 - Client provided 12 day at origination, Updated Data point satisfied exception. | Conclusion : Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Compliance | Texas Home Equity | Satisfied C B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Please provide a copy FMV that is signed by the lender. | Client response: - 6/1/2022 - Please see attached Affidavit of Fair Market Value signed by Lender. Please clear this exception. Clayton response - 6/2/2022 - Clayton did not receive any supporting documentation for this exception. Exception remainsClient response : 6/3/2022 - Please see attached Affidavit of Fair Market Value signed by Lender. Please clear this exception. Clayton response: 6/3/2022 - Client provided FMV signed by Lender and borrower. Exception satisfied. | Exception remainsException satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | Credit | Income/Employment | Satisfied D A | CRDINC2350 | Missing Stated Income | No | Missing Lenders updated income worksheet using bank statements from 2022 and 2021 to support income used. Lender provided worksheet with statements for account 5156 May 2020 through April 2021, which does not match bank statements in file. | 6.1.2022-Client's response: June 1st 2022, 2:52:22 pmPlease see attached UW Final Income worksheet with notes. Please clear this exception. 6.1.2022-Clayton's response: The income worksheet that has 12 months of bank statement entries from XXXX account XXXX has been reviewed and is sufficient to clear the exception. Exception is satisfied. | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history |
| XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The Borrowers credit score is 650; guideline minimum is 640.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been in the same profession for 10.2 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: The Borrower has had 12 months positive Rental and Mortgage History. |
| XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Missing updated Title to reflect borrows name, mortgage amount and Lender | 6.16.2022 Client responded - Please see the attached Title Supplement showing borrowers name , mortgage amount and lender. Please clear the condition. 6.16.2022 Client sent a Title supplement reflecting the borrower, XXXX an unmarried woman, Proposed liabitlity $XXXX and proposed insured as XXXX XXXX. Exception satisfied | 6.16.2022 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| XXXX | XXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for over 4 years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: All open accounts are current<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 764 |
| XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representing Credit Score is 784.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 31 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Calculated LTV : XXXX%Max LTV Allowable per Guideline: 80% |

---

## Exhibit 99.14

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.14**

---

| | |
|:---|:---|
| **Client Name:** | **Ellington** |
| **Client Project Name:** | **EFMT 2023-1** |
| **Start - End Dates:** | **4/13/2022 - 6/15/2022** |
| **Deal Loan Count:** | **19** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *19* |
| ***Loans with Conditions:*** | *9* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 2000011356 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2000012714 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 2000012790 | Yes | XXXX | XXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 2000013266 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 2000013328 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 2000013409 | Yes | XXXX | XXXX C A | A | A C | A | A | No |
| 2000013504 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 2000013563 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 2000013583 | Yes | XXXX | XXXX C A | A | A C | A | A | No |
| 2000013722 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 2000013852 | Yes | XXXX | XXXX D A | A | A D | A | A | Not Applicable |
| 2000013951 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |
| 2000013974 | Yes | XXXX | XXXX C B A | B | B C A | B | B | Not Applicable |
| 2000014118 | Yes | XXXX | XXXX C A | A | A C | A | A | No |
| 2000014326 | Yes | XXXX | XXXX D B A | C | B D A | C | B | Not Applicable |
| 2000014339 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 2000014651 | Yes | XXXX | XXXX C A | A | A C | A | A | Not Applicable |
| 2000014722 | Yes | XXXX | XXXX A | A | A | A | A | No |
| 2000014811 | Yes | XXXX | XXXX A | A | A | A | A | Not Applicable |

---

## Exhibit 99.15

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.15**

---

| | |
|:---|:---|
| **Client Name:** | Ellington |
| **Client Project Name:** | EFMT 2023-1 |
| **Start - End Dates:** | 4/13/2022 - 6/15/2022 |
| **Deal Loan Count:** | 19 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *19* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** | **Discrepancy Comment** |
| 2000011356 | (No Data) | Property Type | Detached PUD | Attached PUD | As per appraisal dated 03/08/2022. |
| 2000011356 | (No Data) | Representative Credit Score for Grading | 660 | 680 | (No Data) |
| 2000012714 | (No Data) | Property Type | SFR | SFR-Attached | As per appraisal 03/16/2022. |
| 2000012790 | (No Data) | Original Appraised Value | $XXXX | $XXXX | Purchased in 12/2021 less than 6 months lender used Purchase price of $XXXX. Appraised value $XXXX |
| 2000013266 | XXXX | Representative Credit Score for Grading | 800 | 808 | Per most recent credit report median score is 808 |
| 2000013504 | XXXX | Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | As per PCCD datd XX/XX/XXXX |
| 2000013504 | XXXX | Original Appraised Value | $XXXX | $XXXX | Lender used reconciliation value and not appraisal value |
| 2000013563 | XXXX | Property Type | Detached PUD | Attached PUD | Appraisal is marked PUD and Attached |
| 2000013583 | XXXX | Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | As per final CD dated XX/XX/XXXX |
| 2000013951 | XXXX | Total Cash Out | (84682.05) | 84682.05 | Cash to borrower at closing |
| 2000013974 | XXXX | Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | As per HUD-1 dated XX/XX/XXXX |
| 2000014118 | XXXX | Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | As per final CD dated XX/XX/XXXX |
| 2000014326 | XXXX | Debt to Income Ratio (Back) | 13.1900 | 23.2052 | DTI 13.19 Front / 23.2052 Back. Lender 13.19 front / 23.21 back |
| 2000014326 | XXXX | Total Cash Out | (87212.40) | 87212.40 | $87,212.40 cash to borrower at closing per HUD |
| 2000014651 | XXXX | Debt to Income Ratio (Back) | 15.5100 | 24.5706 | DTI Front 15.51 Back 24.5706 |
| 2000014811 | (No Data) | Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | As per HUD-1 dated 06/10/2022 |
| 2000014811 | (No Data) | Total Cash Out | (183008.61) | 183008.61 | Cash back to borrower $183,008.60 |
|©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. |©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. |©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. |©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. |©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. |©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 99.16

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.16**

---

| | |
|:---|:---|
| **Client Name:** | Ellington |
| **Client Project Name:** | EFMT 2023-1 |
| **Start - End Dates:** | 4/13/2022 - 6/15/2022 |
| **Deal Loan Count:** | 19 |
| **Valuations Summary** |  |
| *Loans in Report:* | *19* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 2000011356 |  | $XXXX | $XXXX | $XXXX | 03/08/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000012714 |  | $XXXX | $0.00 | $XXXX | 03/16/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 03/24/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 2000012790 |  | $XXXX | $0.00 | $XXXX | 03/29/2022 | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/05/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2000013266 |  | $XXXX | $XXXX | $XXXX | 03/15/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000013328 |  | $XXXX | $0.00 | $XXXX | 03/16/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 03/31/2022 | $XXXX | $XXXX | -10.87% | Reconciliation | 04/04/2022 | $XXXX | $0.00 | 0.00% | 1 |
| 2000013409 |  | $XXXX | $0.00 | $XXXX | 03/19/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000013504 |  | $XXXX | $XXXX | $XXXX | 03/24/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 04/07/2022 | $XXXX | $XXXX | -10.87% | Reconciliation | 04/14/2022 | $XXXX | $XXXX | -2.17% | 5 |
| 2000013563 |  | $XXXX | $0.00 | $XXXX | 04/11/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/26/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2000013583 |  | $XXXX | $0.00 | $XXXX | 04/20/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/04/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2000013722 |  | $XXXX | $XXXX | $XXXX | 04/05/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/15/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 2000013852 |  | $XXXX | $0.00 | $XXXX | 03/02/2022 | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 04/06/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2000013951 |  | $XXXX | $0.00 | $XXXX | 04/22/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000013974 |  | $XXXX | $XXXX | $XXXX | 04/13/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000014118 |  | $XXXX | $0.00 | $XXXX | 04/27/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 2000014326 |  | $XXXX | $0.00 | $XXXX | 05/04/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000014339 |  | $XXXX | $XXXX | $XXXX | 03/24/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000014651 |  | $XXXX | $XXXX | $XXXX | 05/14/2022 | $XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2000014722 |  | $XXXX | $XXXX | $XXXX | 05/18/2022 | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | 05/23/2022 | $XXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 2000014811 |  | $XXXX | $0.00 | $XXXX | 05/09/2022 | $XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 05/21/2022 | $XXXX | $XXXX | 3.53% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.17

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.17**

![](ex9917001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>Executive Summary<br> Ellington Financial Mortgage Trust 2023-1<br> Dated: January 19, 2023<br>

<br> **6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by various lenders and subsequently purchased by EF Holdco WRE Assets, LLC ("EF", and together with its affiliates the "Client"). The Review was conducted between the dates of October 2021 and January 2023 via files imaged and provided by the lender or its designee for review. In some cases, the Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 677 Loans, including 231 Residential and 446 Business Purpose Commercial Loans, totaling an aggregate original principal balance of approximately $254,141,782. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC (KBRA), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

Additional information about the data integrity review is included below.

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|:---|:---|:---|
| ![](ex9917003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

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

Evolve reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Evolve. 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, Evolve verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** Evolve'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, Evolve: (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:** Evolve 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, was not 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:** Evolve 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, Evolve 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).

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|:---|:---|:---|
| ![](ex9917003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (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, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** Evolve 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, Evolve 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:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve 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, Evolve 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.

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|:---|:---|:---|
| ![](ex9917003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

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

**Additional Review of Mortgage Loan File:** Evolve 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.

Additionally, Evolve 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.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, 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.

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|:---|:---|:---|
| ![](ex9917003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

With regard to the use of comparable properties, Evolve's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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 Evolve'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 Evolve or if it was not directly accessible that another valuation product that was directly accessible to Evolve was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, Evolve confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Evolve created an exception.

---

| | | |
|:---|:---|:---|
| ![](ex9917003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](ex9917002.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;226 | &nbsp;&nbsp;33.38% | &nbsp;&nbsp;226 | &nbsp;&nbsp;33.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;444 | &nbsp;&nbsp;65.58% | &nbsp;&nbsp;444 | &nbsp;&nbsp;65.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;414 | &nbsp;&nbsp;61.15% | &nbsp;&nbsp;414 | &nbsp;&nbsp;61.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;263 | &nbsp;&nbsp;38.85% | &nbsp;&nbsp;263 | &nbsp;&nbsp;38.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;655 | &nbsp;&nbsp;96.75% | &nbsp;&nbsp;655 | &nbsp;&nbsp;96.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.25% | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;396 | &nbsp;&nbsp;58.49% | &nbsp;&nbsp;396 | &nbsp;&nbsp;58.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;281 | &nbsp;&nbsp;41.51% | &nbsp;&nbsp;281 | &nbsp;&nbsp;41.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**677** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Time <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;30 | &nbsp;&nbsp;677 | &nbsp;&nbsp;4.43% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;117 | &nbsp;&nbsp;677 | &nbsp;&nbsp;17.28% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;425 | &nbsp;&nbsp;677 | &nbsp;&nbsp;62.78% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;123 | &nbsp;&nbsp;677 | &nbsp;&nbsp;18.17% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;677 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;22 | &nbsp;&nbsp;677 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;8 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;17 | &nbsp;&nbsp;677 | &nbsp;&nbsp;2.51% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Prepayment Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;3 | &nbsp;&nbsp;677 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;10 | &nbsp;&nbsp;677 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;29 | &nbsp;&nbsp;677 | &nbsp;&nbsp;4.28% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;15 | &nbsp;&nbsp;677 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;512 | &nbsp;&nbsp;677 | &nbsp;&nbsp;75.63% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;320 | &nbsp;&nbsp;677 | &nbsp;&nbsp;47.27% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;81 | &nbsp;&nbsp;677 | &nbsp;&nbsp;11.96% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;184 | &nbsp;&nbsp;677 | &nbsp;&nbsp;27.18% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;64 | &nbsp;&nbsp;677 | &nbsp;&nbsp;9.45% |

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**APPENDIX A**

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

Please be advised that Evolve 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 Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve 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 Evolve 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 Evolve 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. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by Evolve.

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

vi) any material disclosure violation on a rescindable 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;

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

**(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;&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;&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;

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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 loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

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

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

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

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

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

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

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

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

ii) confirm 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 loan documents; and

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the 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 loan file or that the 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;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence
 of the Affiliated Business Arrangement Disclosure in the 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 <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

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

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated 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;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application
 (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission
 Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit
 Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;
 and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

&nbsp;&nbsp;&nbsp;&nbsp;&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 loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the
 creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
 and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve 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, Evolve 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, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a 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 loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the 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>*

Evolve 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, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve 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"). Evolve 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. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

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

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

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Forward Thinking. Seamless Solutions.

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve 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 Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve 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 Evolve 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. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Forward Thinking. Seamless Solutions.

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve 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 Evolve 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 Evolve 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. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve 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:

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

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

vi) 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;

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Forward Thinking. Seamless Solutions.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who 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 SFIG Compliance Review Scope.)

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

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

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Forward Thinking. Seamless Solutions.

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

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

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

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## Exhibit 99.18

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.18**

![](logoevolve-002.jpg)

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| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 01/19/2023 12:50:19 PM** |

---

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1382416 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1382418 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1352002 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1429921 | XXXX | XXXX | XXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1367995 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1367996 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1367998 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1367999 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1368000 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1368001 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1368002 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1368004 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1346637 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429925 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1429922 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1372357 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429926 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429923 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1429927 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1429924 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1428116 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1437537 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437544 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1401303 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1425380 | XXXX | XXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1408458 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1417076 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1408454 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1411465 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1417077 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1425390 | XXXX | XXXX | XXXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 1411466 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1411467 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1411461 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438572 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431281 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1413204 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428299 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1424457 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1430808 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1413215 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1428120 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1425372 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1424469 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1422753 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428121 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439760 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1428122 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1422746 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428124 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1422748 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1424449 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429308 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431758 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431283 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428132 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1427486 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1428134 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438562 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428139 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429309 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1425378 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1428301 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1429310 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1438546 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431274 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428293 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443656 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431271 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1425367 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1431748 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431747 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1428291 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429311 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1439750 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1437539 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431256 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1429312 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428148 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1428297 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431273 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1421774 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429313 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437550 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431279 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1428151 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1434310 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1429316 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1428152 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1425375 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1429317 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431259 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431266 | XXXX | XXXX | XXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 1431261 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431740 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431739 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1428153 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1431272 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1429318 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1429320 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434319 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443658 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1438554 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1434307 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429321 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1429322 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1434309 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438557 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1437536 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431744 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431269 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438550 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434312 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431763 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431764 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431756 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1441762 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437555 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434311 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1431750 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431276 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1441768 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1431270 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438560 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1445966 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437542 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434316 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438589 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1437538 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437556 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1431749 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447772 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1437546 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1431761 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A C D B | N/A | N/A | N/A | N/A | N/A B |
| 1450301 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1434301 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1437553 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438588 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1441766 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1437547 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1447762 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1437558 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1431743 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438585 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1437549 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438548 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438564 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1437545 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1438549 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434304 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1437534 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1443661 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438570 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438551 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438595 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1439752 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438547 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438579 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438587 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1434300 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438582 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447773 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1439748 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439753 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439765 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439755 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439747 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439749 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439757 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439767 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438567 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1438594 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439762 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438569 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1446283 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443666 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1441769 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1438592 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443667 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439758 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443668 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1443669 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1445975 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1441764 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439756 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1450285 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1443670 | XXXX | XXXX | XXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| 1439770 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1456285 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1447776 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439764 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1443672 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455225 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439746 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1439763 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1443675 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1439759 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1443677 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1443678 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445952 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1443679 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1456902 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1453781 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447777 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1441770 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455174 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445956 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1445959 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1453777 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447756 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1453783 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452223 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1447755 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445960 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445946 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1445961 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1441774 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1455184 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445948 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445953 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445951 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452228 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1445955 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455176 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1450288 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447749 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1450290 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455199 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455221 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1446284 | XXXX | XXXX | XXXX C |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| 1450291 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1450293 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1455178 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452256 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1445977 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1445980 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452246 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 1445978 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447775 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1445958 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1445971 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455201 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447778 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452214 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1447763 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1450292 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447759 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1452250 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1450286 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447752 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1445974 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1450296 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447765 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 1450287 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | A | A | A | A | A |
| 1450303 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452243 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447751 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452241 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455209 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452233 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452245 | XXXX | XXXX | XXXX A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| 1455207 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455181 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1450305 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447770 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455219 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1453788 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1447753 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1453782 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455215 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1452232 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1455188 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452218 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452252 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1452257 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1452217 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455218 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1455213 | XXXX | XXXX | XXXX A |  |  |  |  | C A | N/A | N/A | N/A | N/A | N/A B |
| 1455173 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455220 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1453778 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452235 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1453787 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1455179 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455211 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1453779 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455195 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447750 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452216 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455186 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455189 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1456914 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452226 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455224 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1453785 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1455202 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452221 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455205 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1456898 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1456886 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455180 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455200 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1455175 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455217 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455203 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455204 | XXXX | XXXX | XXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 1377134 | XXXX | XXXX | XXXX D | A | A | A | A | A C D B | A | A | A | A | A B |
| 1384593 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1384785 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1384790 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A B |
| 1384791 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1460606 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1432645 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1451957 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1432646 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1357548 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1347089 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1347109 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1369290 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1357552 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1347136 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1347173 | XXXX | XXXX | XXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1369297 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1369302 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1447282 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1385021 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1384758 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1384759 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432647 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432648 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1438049 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432321 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455275 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1420133 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432649 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1411818 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1432650 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1432651 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1411833 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432653 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1420146 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1417021 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432654 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432655 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432656 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432657 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1429660 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1438050 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432659 | XXXX | XXXX | XXXX A | C | C | C | C | C A B | A | A | A | A | A B |
| 1417059 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432660 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1417063 | XXXX | XXXX | XXXX A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A |
| 1417065 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1420007 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1417067 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432661 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1420181 | XXXX | XXXX | XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1424318 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424319 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1417070 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1424321 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1432662 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432663 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1424322 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1424323 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424324 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1417071 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1417072 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1420034 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1420035 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1420198 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1424325 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1420050 | XXXX | XXXX | XXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 1432668 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432669 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1424331 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1424333 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432672 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432674 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1424336 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1424338 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1420067 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1424340 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432675 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1428698 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424346 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1429025 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432676 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1432677 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424350 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432678 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432679 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455277 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1429027 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432681 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1432683 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1424369 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432684 | XXXX | XXXX | XXXX C |  |  |  |  | A B | N/A | N/A | N/A | N/A | N/A B |
| 1432685 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432686 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1424376 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1424378 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432687 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1429031 | XXXX | XXXX | XXXX A | C | C | C | C | C A B | B | B | B | B | B A |
| 1429032 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424379 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1424381 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1425666 | XXXX | XXXX | XXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 1429034 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432691 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432693 | XXXX | XXXX | XXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1432695 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1432696 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432697 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424389 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424391 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1425668 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424394 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432701 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432702 | XXXX | XXXX | XXXX C | C | C | C | C | C B | A | A | A | A | A B |
| 1432704 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1455279 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1424396 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1424398 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432711 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1432712 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1424399 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432713 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1424401 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1432714 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1424403 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1429044 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432717 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1432720 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432721 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432724 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432725 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1429046 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432728 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432730 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432733 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432734 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432735 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 1432737 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432739 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432740 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432741 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451959 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432743 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432744 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432745 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432747 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432750 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432752 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432756 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1432757 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432758 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432761 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1432764 | XXXX | XXXX | XXXX C |  |  |  |  | A B | N/A | N/A | N/A | N/A | N/A B |
| 1432768 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432771 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455280 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432772 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432773 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1432774 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432776 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432777 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1455281 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1432779 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432780 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432781 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432782 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432783 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432784 | XXXX | XXXX | XXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 1438294 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1432790 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432792 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432793 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432795 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432796 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432797 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1432800 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B |
| 1432801 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432802 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432803 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432804 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455284 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432805 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432806 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432807 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432808 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432809 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432810 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1447285 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1432813 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432814 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432815 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1432819 | XXXX | XXXX | XXXX D |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| 1432820 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432823 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455285 | XXXX | XXXX | XXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1447287 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432826 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432828 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432830 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432831 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1432832 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432833 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1432834 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1432835 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432836 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432837 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1432841 | XXXX | XXXX | XXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A |
| 1447289 | XXXX | XXXX | XXXX A | A | A | A | A | A C | A | A | A | A | A |
| 1455288 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455289 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455290 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447290 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455292 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432846 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1432847 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1438296 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447293 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432852 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455295 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455296 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455297 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455298 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1432856 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447641 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1447294 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455299 | XXXX | XXXX | XXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1455300 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1432858 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455302 | XXXX | XXXX | XXXX C |  |  |  |  | C B | N/A | N/A | N/A | N/A | N/A B |
| 1455303 | XXXX | XXXX | XXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 1455304 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455305 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455306 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1432862 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451961 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1447295 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447296 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447297 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 1447298 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447300 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1447301 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455312 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1447302 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455316 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455317 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447303 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455318 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455319 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1447304 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455323 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455324 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447305 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455325 | XXXX | XXXX | XXXX D |  |  |  |  | A B | A | A | A | A | A B |
| 1451963 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455326 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447306 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451964 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455328 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1447307 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1447310 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455336 | XXXX | XXXX | XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 1455337 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1447313 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1455338 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455340 | XXXX | XXXX | XXXX A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| 1447314 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455341 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1447316 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1447642 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455342 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447317 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1455346 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455347 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455350 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1447318 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455355 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455356 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455357 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447643 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455359 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1447319 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451968 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1458782 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455361 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447644 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1455362 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455363 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455365 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1455366 | XXXX | XXXX | XXXX C |  |  |  |  | A | A | A | A | A | A |
| 1455367 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1455368 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455369 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455370 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455371 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447323 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451971 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455374 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455375 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1451972 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447325 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1451973 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1451974 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455376 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1451978 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455378 | XXXX | XXXX | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 1455379 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455380 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455381 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455382 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1447645 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455383 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455386 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1451980 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1451982 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1447646 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1451983 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1447647 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455387 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455389 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1447330 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1451985 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1451988 | XXXX | XXXX | XXXX A | A | A | A | A | A B | A | A | A | A | A B |
| 1455390 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1451990 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1451991 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451993 | XXXX | XXXX | XXXX C |  |  |  |  | A | A | A | A | A | A |
| 1455392 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1451995 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455397 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1451996 | XXXX | XXXX | XXXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1455399 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1455400 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1452002 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452003 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452004 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452007 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452008 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1452010 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455409 | XXXX | XXXX | XXXX A |  |  |  |  | A B | A | A | A | A | A B |
| 1455410 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455413 | XXXX | XXXX | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1452013 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455416 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1455417 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455418 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452014 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455420 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455422 | XXXX | XXXX | XXXX C |  |  |  |  | A B | A | A | A | A | A B |
| 1455423 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1452015 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455426 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1452016 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1457182 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455428 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1452017 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455429 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455432 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455433 | XXXX | XXXX | XXXX A |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A |
| 1455434 | XXXX | XXXX | XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1455435 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 1455436 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1455437 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1455438 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1455439 | XXXX | XXXX | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1455443 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1455445 | XXXX | XXXX | XXXX C |  |  |  |  | A | A | A | A | A | A |
| 1459739 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1458790 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 1459814 | XXXX | XXXX | XXXX A |  |  |  |  | A | A | A | A | A | A |
| 1459815 | XXXX | XXXX | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1458792 | XXXX | XXXX | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.19

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.19**

![](logoevolve-002.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 01/19/2023 12:50:19 PM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1347173 | XXXX | XXXX | 6803068 | 862 | 12/09/2021 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | Loan closed in the name of a trust. The complete name of trust is required under the trustees' signatures. Complete name of trust was not used. Please provided a corrected Deed of Trust along with a notice of intent to rerecord. |  |  | Reviewer 01/21/2022 09:41 AM; The full name of the trust is required to be listed on the signature line. It states 'family trust' vs. XXXX.<br>| 01/21/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1347173 | XXXX | XXXX | 6803069 | 591 | 12/09/2021 | Compliance | Note |  | Note - Compliance \ Note - Complete name of trust is required under the trustees signatures |  | The complete name of the trust is not under the trustees signatures. |  |  | Client 01/20/2022 03:59 PM; Hi, the trust was properly identified as the borrower under the DOT, including the name of the trustees, and the signature lines identified each trustee signing on behalf of the trust. That should be sufficient, and title has insured the enforceability of the DOT. Please escalate if needed. Thank you.<br>Reviewer 01/21/2022 09:40 AM; Hello, The full name of the trust is required to be listed on the signature line. It states 'family trust' vs. XXXX. Thank you<br>Reviewer 01/21/2022 09:41 AM; The full name of the trust is required to be listed on the signature line. It states 'family trust' vs. XXXX.<br>Reviewer 01/24/2022 05:27 AM; <br>| 01/21/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1347173 | XXXX | XXXX | 6803070 | 851 | 12/13/2021 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception Request Using cash out to qualify for Asset Qualifier. |  | Exception approval with compensating factors: 1) Great credit with no derogatory 2) Credit scores of 800. 3) Great, sufficient assets. 4) Low DTI of 33.408% 5) Low LTV of 57.018. | Reviewer 12/13/2021 02:08 PM; Great credit with NO derogatory with 800 FICOs, great assets, low DTI/Low LTV. Note rate 3.250% Qual rate 3.250% Nov 1 pricing.<br>|  |  | 12/13/2021 B | 2 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1347173 | XXXX | XXXX | 6803071 | 851 | 12/13/2021 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception Request Stacked loan amount is 85% of net assets instead of 75%. |  | Exception approval with compensating factors: 1) Great credit with no derogatory 2) Credit scores of 800. 3) Great, sufficient assets. 4) Low DTI of 33.408% 5) Low LTV of 57.018. | Reviewer 12/13/2021 02:08 PM; Great credit with NO derogatory with 800 FICOs, great assets, low DTI/Low LTV. Note rate 3.250% Qual rate 3.250% XXXX.<br>|  |  | 12/13/2021 B | 2 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1352002 | XXXX | XXXX | 6644248 | 445 | 10/19/2021 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | File missing business bank statements for income calculations. File has July and Aug 2021. | documentation has been provided. |  |  | 10/20/2021 |  | A | 1 | XXXX | TX | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1367995 | XXXX | XXXX | 6725982 | 323 | 03/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for payment history. XXXX has a majority of the loans for the borrower. In an attempt to streamline his payment, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to supply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve this matter, which is ongoing. We have obtained 3 years of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made has been consistent, as well as above and beyond the P/I payments for each loan. Due to the situation the payoff statements will show the payments are past due; however, documentation has been provided to prove otherwise. Outside of this situation XXXX has a stellar credit profile and payment history. |  | Exception approved due to compensating factors: extensive experience, excessive reserves, solid credit history. |  |  |  | 03/15/2022 B | 2 | XXXX | NC | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1367996 | XXXX | XXXX | 6725975 | 323 | 03/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for payment history. XXXX has a majority of the loans for the borrower. In an attempt to streamline his payment, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to supply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve this matter, which is ongoing. We have obtained 3 years of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made has been consistent, as well as above and beyond the P/I payments for each loan. Due to the situation the payoff statements will show the payments are past due; however, documentation has been provided to prove otherwise. Outside of this situation XXXX has a stellar credit profile and payment history. |  | Exception approved due to compensating factors: extensive experience, excessive reserves, solid credit history. |  |  |  | 03/15/2022 B | 2 | XXXX | NC | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1367998 | XXXX | XXXX | 6728765 | 851 | 03/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | UW Qualifications UW – Exception needed COMMENT: Exception requested for payment history. UNDERWRITER EXCEPTION: Loans: XXXX Summary: This borrower has a unique situation with his current servicer. XXXX has a majority of the loans for the properties XXXX owns. In an attempt to streamline his payments, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to apply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve the matter, which is ongoing (Lawsuit is included in the loan file). We have obtained 3yrs of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made have been consistent, as well as above and beyond the P/I Payments for each loan. Due to the situation, the payoff statements will show payments are past due, however, we have provided documentation to prove otherwise. Outside of this situation, XXXX has a stelar credit profile and payment history |  | Compensating Factors: 1) Extensive Experience, 2) Extensive Reserves, 3) Solid Credit History. |  |  |  | 03/16/2022 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1367999 | XXXX | XXXX | 6728774 | 851 | 03/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | UW Qualifications UW – Exception needed COMMENT: Exception requested for payment history. UNDERWRITER EXCEPTION: Loans: XXXX Summary: This borrower has a unique situation with his current servicer. XXXX has a majority of the loans for the properties XXXX owns. In an attempt to streamline his payments, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to apply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve the matter, which is ongoing (Lawsuit is included in the loan file). We have obtained 3yrs of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made have been consistent, as well as above and beyond the P/I Payments for each loan. Due to the situation, the payoff statements will show payments are past due, however, we have provided documentation to prove otherwise. Outside of this situation, XXXX has a stelar credit profile and payment history. |  | Compensating Factors: 1) Extensive Experience, 2) Extensive Reserves, 3) Solid Credit History. |  |  |  | 03/16/2022 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1367999 | XXXX | XXXX | 6728778 | 330 | 03/16/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The exception form does not reflect the subject's loan number of XXXX. Guideline Exception Form should reflect the subject properties Loan Number of XXXX | docs in file are acceptable |  | Reviewer 04/19/2022 01:18 PM; Docs in file are acceptable.<br>| 04/20/2022 |  | A | 1 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368001 | XXXX | XXXX | 6725705 | 959 | 03/15/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS missing | Information provided |  |  | 04/19/2022 |  | A | 1 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1372357 | XXXX | XXXX | 6742232 | 418 | 03/24/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Condo Warranty docs are missing from the loan file. | document provided |  | Reviewer 04/25/2022 07:47 AM; condo approval documents required <br>Client 04/27/2022 04:05 PM; We do not write up a warranty on condos (this is typically only for conventional loans)<br>Reviewer 04/28/2022 06:34 AM; deficiency open<br>Reviewer 04/28/2022 06:34 AM; satisfacory condo questionnaire,and lenders review <br>| 04/29/2022 |  | A | 1 | XXXX | AR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1377134 | XXXX | XXXX | 6760015 | 851 | 01/27/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Requesting for cashout-out up to XXXX Loan Amount, Mid FICO score is 726 now. Current Guideline is 740. |  | COMPENSATING FACTORS: (1) Reserves = $1,130,922. (2) LTV = 42.55%. (3) 7 years at present address. (4) Borrower is currently going to refinance his investment properties with XXXX, processing another $XXXX in loans. |  |  |  | 01/27/2022 B | 2 | XXXX | CA | 1 | 13 D B | A | A C |  | Non-QM | 1 |
| 1377134 | XXXX | XXXX | 6760016 | 270 | 01/27/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | UCDP missing for the XXXX Appraisal for $XXXX, which is the appraisal used for LTV qualifications. The UCDP provided is for the XXXX appraisal for $XXXX. (Note due to loan balance, there are 2 full appraisals in file, but UCDP reports for only 1). | Received |  | Reviewer 01/31/2022 02:22 PM; Documentation has not been provided. <br>| 02/01/2022 |  | A | 1 | XXXX | CA | 1 | 13 D B | A | A C |  | Non-QM | 1 |
| 1368001 | XXXX | XXXX | 6725990 | 323 | 03/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for payment history. XXXX has a majority of the loans for the borrower. In an attempt to streamline his payment, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to supply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve this matter, which is ongoing. We have obtained 3 years of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made has been consistent, as well as above and beyond the P/I payments for each loan. Due to the situation the payoff statements will show the payments are past due; however, documentation has been provided to prove otherwise. Outside of this situation XXXX has a stellar credit profile and payment history. |  | Compensating factors: 1) Extensive experience, 2) Excessive reserves, 3) Solid credit history. |  |  |  | 03/15/2022 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368001 | XXXX | XXXX | 6732112 | 219 | 03/17/2022 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | File only contains HUD-1 reflecting a settlement date of XXXX. Note reflects a date of XXXX. Provide Final HUD-1. | Information provided |  |  | 03/31/2022 |  | A | 1 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368001 | XXXX | XXXX | 6732476 | 378 | 03/17/2022 | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Provide Final 1003. | Received |  |  | 04/19/2022 |  | A | 1 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368002 | XXXX | XXXX | 6725969 | 970 | 03/15/2022 | Credit | Compliance |  | Compliance - CD- Missing |  | Missing final HUD-1 or Settlement Statement | Information provided |  |  | 03/23/2022 |  | A | 1 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368002 | XXXX | XXXX | 6735988 | 323 | 03/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for payment history. XXXX has a majority of the loans for the properties XXXX owns. In an attempt to streamline his payments, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to supply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve the matter, which is ongoing (Lawsuit is included in the loan file). We have obtained 3yrs of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made have been consistent, as well as above and beyond the P/I payments for each loan. Due to the situation the payoff statements will show the payments are past due, however, we have provided the documentation to prove otherwise. Outside of this situation, XXXX has a stellar credit profile and payment history. |  | Compensating factors: 1)- Extensive experience 2)-Excessive reserves 3)-Solid credit history. Approved 2/23/2022 XXXXl, Underwriter/Manger |  |  |  | 03/21/2022 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1368004 | XXXX | XXXX | 6728674 | 851 | 03/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Payment History |  | UNDERWRITER EXCEPTION: Loans: XXXX Summary: This borrower has a unique situation with his current servicer. XXXX has a majority of the loans for the properties XXXX owns. In an attempt to streamline his payments, XXXX wrote one large check for all the properties with XXXX. From our understanding, XXXX refused to apply the funds sent by XXXX and has never negotiated the check. This created a large amount of confusion and ultimately ended up with XXXX showing a rolling 30 day late. The borrower has since filed a lawsuit to resolve the matter, which is ongoing (Lawsuit is included in the loan file). We have obtained 3yrs of on time payment history for all loans involved and have decided that XXXX has fulfilled his obligations. The payments made have been consistent, as well as above and beyond the P/I Payments for each loan. Due to the situation, the payoff statements will show payments are past due, however, we have provided documentation to prove otherwise. Outside of this situation, XXXX has a stelar credit profile and payment history Exception made based on the following Compensating Factors: 1) Extensive Experience 2) Extensive Reserves 3) Solid Credit History |  |  |  | 03/16/2022 B | 2 | XXXX | NC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1369290 | XXXX | XXXX | 6726335 | 330 | 01/26/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Co-borrower has no Credit or Credit Score. Guidelines state All borrowers must have a valid score from at least two agencies | use initial credit report dated XXXX for approval. Updated credit has co borrower credit frozen |  | Client 01/26/2022 01:09 PM; Hi, page 1 of the credit report is a little misleading. There are credit scores for the co-borrower, located at the very top of page 2 of the 11/29/2021 credit report. Please escalate if needed. Thank you!<br>Reviewer 01/27/2022 09:49 AM; Documentation has not been provided. <br>Reviewer 01/27/2022 01:20 PM; cleared in tdocs<br>| 01/27/2022 |  | A | 1 | XXXX | UT | 2 | 1 C A | A | A C |  | QM Safe Harbor | 1 |
| 1372357 | XXXX | XXXX | 6742208 | 904 | 03/24/2022 | Credit | UW Assets |  | UW Assets - UW - Closing Disclosure from sale of existing property/source of funds |  | The Settlement Statement dated XXXX shows 1031 Exchange Funds of $XXXX. File is missing the statement and/or receipt from the 1031 Exchange company for the $XXXX. | Received Wire confirmation for 1031 to Title. |  |  | 04/13/2022 |  | A | 1 | XXXX | AR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1372357 | XXXX | XXXX | 6742209 | 387 | 03/24/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | The Tax Record Information Sheet is missing from the file to validate annual property taxes of $2,581.68 | Received |  |  | 04/19/2022 |  | A | 1 | XXXX | AR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1372357 | XXXX | XXXX | 6742210 | 1018 | 03/24/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | File is missing a document to show the EIN # of XXXX. | document provided |  |  | 04/25/2022 |  | A | 1 | XXXX | AR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1377134 | XXXX | XXXX | 6760019 | 229 | 01/28/2022 | Compliance | UW Approval |  | UW Approval - Signed underwriting approval not in the file: |  |  | Documentation has been provided. |  |  | 01/31/2022 |  | A | 1 | XXXX | CA | 1 | 13 D B | A | A C |  | Non-QM | 1 |
| 1377134 | XXXX | XXXX | 6760017 | 1014 | 01/27/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | 24 month Bank Statement calculation loan approval. File is missing the lender's income calculation worksheet. | Received. |  | Reviewer 01/31/2022 02:22 PM; Documentation has not been provided. <br>| 02/01/2022 |  | A | 1 | XXXX | CA | 1 | 13 D B | A | A C |  | Non-QM | 1 |
| 1377134 | XXXX | XXXX | 6760018 | 1006 | 01/27/2022 | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Lender's 1008 form is missing from the loan file. | Documentation has been provided. |  |  | 01/31/2022 |  | A | 1 | XXXX | CA | 1 | 13 D B | A | A C |  | Non-QM | 1 |
| 1382416 | XXXX | XXXX | 6781873 | 351 | 04/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | \* DTI exceeds maximum limit by 116.26 Per Income Calculation Guideline Net Income = Total Eligible Deposits\*Borrower Ownership Percentage\* 50%/24mo The qualifying Income used is incorrect. Previous income calculations gave the borrower 100% of the business instead of 50% of the business Husband & Wife share 50% equally. Wife not on loan 24mo BK Statement Total XXXX/24mo=XXXX\*50% Owner=$XXXX\*50% Expense Factor=$XXXX | Income updated per Bank Statement Workbook results in DTI of 44.458% which meets guideline requirement of 50% |  |  | 04/12/2022 |  | A | 1 | XXXX | CA | 1 | 3 C A | A | A |  | Non-QM | 1 |
| 1384593 | XXXX | XXXX | 6790087 | 1006 | 03/28/2022 | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Provide final 1008. | received |  |  | 03/29/2022 |  | A | 1 | XXXX | GA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1384593 | XXXX | XXXX | 6790088 | 380 | 03/28/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Per guidelines, page 12, Income, If transaction is a refinance, rental agreement and rent survey (Form 1007) provided by the appraiser, will be utilized. Rents will be validated via internet research by Reliant Bank underwriter. Received signed lease agreements and appraisal rent schedule. Provide internet research validation. | Received updated guidelines for 1/7/22, which would have been the guidelines for this loan. Validation of rental Income via internet research, was removed from guidelines. |  | Client 04/05/2022 12:20 PM; Please see revised guidelines, internet verification for rental income not required.<br>Reviewer 04/06/2022 09:23 AM; Deficiency previously cleared. Clearing escalation only.<br>| 04/06/2022 |  | A | 1 | XXXX | GA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1384593 | XXXX | XXXX | 6790089 | 328 | 03/28/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Per guidelines, page 6, Credit, Mortgage History Requirements (This applies to all mortgages on all properties) If the borrower(s) has a mortgage history in the most recent twenty- four(24) months, a mortgage rating must be obtained. The mortgage rating may be on the credit report or a VOM. No more than 1X30 in the last twelve (12) months. XXXX - have purchase CD XXXX and XXXX reflecting on credit report for only 9 mos. XXXX - have purchase CD XXXX and XXXX reflecting on credit report for only 11 mos. XXXX (subject property) - no mortgage history received for XXXX #XXXX and XXXX #XXXX (being paid in full per Settlement statement). XXXX - have purchase CDXXXX and XXXX reflecting on credit report for only 2 mos. XXXX - per 1003 with XXXX - no mortgage history received. Provide complete 12 month housing history for all properties supporting a max 1x30x12. | Reveived |  | Reviewer 04/04/2022 01:46 PM; VOM is for XXXX, still require XXXX<br>| 04/18/2022 |  | A | 1 | XXXX | GA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1384758 | XXXX | XXXX | 6790712 | 861 | 03/17/2022 | Compliance | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The Note in the file section 4 refers to attached Prepayment Note Addendum but the The prepayment penalty addendum is missing from the file. | Client confirms loan closed w/ no PPP, CD reflects no PPP |  | Reviewer 03/17/2022 04:32 PM; Please provide corrected Note and/or Prepayment Addendum and confirm the prepayment structure.<br>Client 03/18/2022 12:22 PM; Confirming that there is no Prepayment Penalty on this file. Please clear, thanks!<br>Reviewer 03/18/2022 01:37 PM; Client confirms loan closed w/ no PPP, CD reflects no PPP<br>Reviewer 03/18/2022 01:38 PM; Happy Friday, This has been cleared. Thank you!<br>Reviewer 03/18/2022 01:38 PM; <br>| 03/18/2022 |  | A | 1 | XXXX | FL | 2 | 1 A | A | A |  | QM Safe Harbor | 1 |
| 1384790 | XXXX | XXXX | 6790501 | 884 | 04/07/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 04/19/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | A C B |  | Non-QM | 1 |
| 1384790 | XXXX | XXXX | 6790502 | 898 | 04/07/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation due to a Points - Loan Discount Fee being added with no valid COC. Total violation of $1163.70, CD cured $83.80. Need proof of additional $1,109.70 refund along with letter of explanation to borrower. All must be issued within 60 days of consummation. | Information provided |  |  | 04/19/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | A C B |  | Non-QM | 1 |
| 1384790 | XXXX | XXXX | 6790503 | 17 | 04/07/2022 | Valuation | Appraisal |  | Appraisal - comparables are not acceptable and/or are not within reasonable distance from subject property. |  | Comparables should be in line. Exception to accept the completed appraisal as-is for an "off-grid" property. |  | COMPENSATING FACTORS: (1) LTV/CLTV 23.478%/23.478%. (2) FICO of 755. (3) On the job for 16.1 years. (4) 33% payment shock. (5) No payment lates on credit reporting, including previous mortgage history. |  |  |  | 04/07/2022 B | 2 | XXXX | CA | 1 | 13 C B A | C | A C B |  | Non-QM | 1 |
| 1384790 | XXXX | XXXX | 6790504 | 330 | 04/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per the Preliminary Title Report, Appraisal, and Title Pro Property Details, the property owners are XXXX, XXXX, XXXX, and XXXX. Per the Deed of Trust, the new mortgage is only in the name of XXXX. Quit Claim Deed or other supporting document removing the other 2 owners is missing from the loan file. | Received |  |  | 04/19/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B A | C | A C B |  | Non-QM | 1 |
| 1408454 | XXXX | XXXX | 6867823 | 187 | 06/24/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood cert not in file; please upload for review. | Information provided |  |  | 06/30/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6867824 | 219 | 06/24/2022 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Final CD/HUD1/Settlement Statement missing; please upload for review. | Information provided |  |  | 06/30/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6867825 | 666 | 06/24/2022 | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Sales Contract is missing; please upload. | Information provided |  | Reviewer 06/30/2022 06:51 AM; Documents provided are only the addendums to the Sales Contract. Please provide the full copy of the Sales Contract.<br>| 07/07/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6867826 | 688 | 06/24/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If purchase, current owner must match current owner on Appraisal and Sales Contract |  | Title commitment not in file; please upload for review. | Information provided |  |  | 06/30/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6867827 | 459 | 06/24/2022 | Credit | Note |  | Note - is missing - No Image of Note found in file |  | Page 2 of the Note is missing. Please upload. | Information provided |  | Reviewer 06/30/2022 06:57 AM; Note provided references an attached prepayment addendum in paragraph 4. Please provide this addendum.<br>| 07/01/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6868253 | 262 | 06/27/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Report Missing |  |  | Information provided |  |  | 06/28/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1408454 | XXXX | XXXX | 6868289 | 330 | 06/27/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit Report is missing | Information provided |  |  | 06/28/2022 |  | A | 1 | XXXX | IL | 3 | 1 D A | N/A | N/A D |  | Exempt | 1 |
| 1411465 | XXXX | XXXX | 6877593 | 215 | 07/01/2022 | Credit | HUD1 |  | HUD1 - HUD1 Other |  | Settlement statement lists no escrows collected, an aggregate adjustment of -$558.30, and the final figure after the adjustment of $812.60. The final figure matches the IEADS, but I'm unable to verify the figure nor match the settlement statement to the first payment letter (which is in file) without a breakdown of the monthly escrows which were used in the calculation. Please provide corrected settlement statement. | Information provided |  |  | 07/08/2022 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1411465 | XXXX | XXXX | 6881393 | 320 | 07/07/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | XXXX acct #XXXX- Missing additional/second consecutive bank statement. Received only 4/23-5/23/2022 statement. | Documentation provided is sufficient. |  | Reviewer 07/08/2022 05:51 AM; duplicate BECU stmt provided, however, XXXX statement required<br>Reviewer 07/20/2022 02:50 PM; Acceptable source of funds for two large deposits $XXXX XXXX, and $XXXX on XXXX to be documented <br>Reviewer 08/04/2022 11:33 PM; The LOE received reflects the source of deposits are from the borrower's company, DML. Provide documentation from DML that supports the source of these deposits, $XXXX XXXX, and $XXXX on XXXX. An email from the borrower is not sufficient documentation.<br>Client 08/10/2022 12:30 PM; In any case, we don't source large deposits on DSCR. It's in our guidelines. Lastly, loan funded XXXX, $XXXX deposit is from XXXX.<br>Reviewer 08/10/2022 01:18 PM; Documentation provided is sufficient.<br>| 08/10/2022 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1411466 | XXXX | XXXX | 6879373 | 851 | 07/05/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Subject is Rural |  | COMPENSATING FACTORS 1) total of 3 comps provided are close in proximity less than 5 miles 2) The subject is located in close proximity to schools, parks, and medical care |  |  |  | 07/05/2022 B | 2 | XXXX | TX | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1411467 | XXXX | XXXX | 6877594 | 330 | 07/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Title is vested to XXXX and our borrower is XXXX | document provided |  | Reviewer 07/08/2022 05:47 AM; deed provided house number XXXX while subject house number is XXXX<br>| 07/11/2022 |  | A | 1 | XXXX | TX | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1411467 | XXXX | XXXX | 6877596 | 272 | 07/01/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Exception for subject property being rural. |  | Comp Factors: Subject is in reasonable proximity to schools, parks and medical care Facilities 2, Of the 3 comps 2 are with in 5 miles radius | Reviewer 07/01/2022 10:03 PM; Comp Factors: Subject is in reasonable proximity to schools, parks and medical care Facilities 2, Of the 3 comps 2 are with in 5 miles radius<br>|  |  | 07/01/2022 B | 2 | XXXX | TX | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1411467 | XXXX | XXXX | 6877598 | 330 | 07/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide borrower Certification of Business Purpose | Certification of Business Purpose provided |  |  | 07/05/2022 |  | A | 1 | XXXX | TX | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1411818 | XXXX | XXXX | 6876886 | 330 | 06/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Appraisal date XXXX reflects subject property location as rural. Per guides dated 03/01/2022 all rural properties require senior management approval. |  | Approval tp proceed with rural subject property (SM) Compensating factors: Experienced homeowner primary 20 years, Perfect mortgage history 19 years on credit, Long job time 10+years, Strong credit profile 759 FICO |  |  |  | 06/07/2022 B | 2 | XXXX | WA | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1413215 | XXXX | XXXX | 6886582 | 271 | 07/11/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Subject property GLA of XXXX sq ft does not meet the minimum guideline requirement of 500 sq ft for a Condominium. |  | DSCR 1.995% (min 0.75%). 65% Max LTV (max 75%). Reserves $340,000. Experienced investor. |  |  |  | 07/11/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1413215 | XXXX | XXXX | 6886583 | 418 | 07/11/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | The subject transaction closed as a non-warrantable condominium. Condo documentation was not provided in the loan file. |  | DSCR 1.995% (min 0.75%). 65% Max LTV (max 75%). Reserves $340,000. Experienced investor. |  |  |  | 07/11/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1417021 | XXXX | XXXX | 6893277 | 666 | 06/16/2022 | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Sales Contract must be present. (Purchase Only) | Information provided |  |  | 06/20/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1417021 | XXXX | XXXX | 6893278 | 330 | 06/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing verification of rent loss insurance for 6 months rental of $3700.00 | document provided |  | Client 06/20/2022 07:07 PM; Emails uploaded to file confirm master policy includes rental coverage on page 25, which falls under service interruption. See page 12 for the sub limit. <br>Reviewer 06/21/2022 06:32 AM; deficiency open <br>Reviewer 06/21/2022 06:32 AM; emails described have not been located, please upload <br>Client 06/22/2022 10:29 AM; Email has been uploaded to loan file indicating there is sufficient rent loss on loan. Thanks.<br>Reviewer 06/23/2022 07:07 AM; deficiency cleared <br>| 06/23/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1417065 | XXXX | XXXX | 6893322 | 851 | 06/14/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | There is no housing history for either borrower, as they are living rent-free. They are FTHBs. Guidelines state that there must be 24-months housing history or rent checks for a FTHB. |  | COMPENSATING FACTORS: (1) 700/798 FICO scores with 18 years of excellent credit history. (2) Not credit abusers, with 96% credit still available. (3) Excellent collateral. (4) Over 35 months in reserves after close. |  |  |  | 06/14/2022 B | 2 | XXXX | MO | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1417067 | XXXX | XXXX | 6893324 | 851 | 06/05/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- 12 months cancelled checks if private VOR. Minimum loan amount of $150000.00. Deviation Request- Private VOR without cancelled checks (two months bank statements in file shows rent payments made). Loan amount less than $150000.00. Compensating Factors- 787 FICO with 16 years of excellent consumer credit, high monthly residual income of $XXXX, over 130 months in reserves after closing and excellent collateral. |  | Compensating Factors- 787 FICO with 16 years of excellent consumer credit, high monthly residual income of $11313.29, over 130 months in reserves after closing and excellent collateral. |  |  |  | 06/05/2022 B | 2 | XXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1420007 | XXXX | XXXX | 6905414 | 851 | 06/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION \*\*MAX LTV 75% for Interest Only |  | DEVIATION REQUEST \*\*\*80% LTV for interest Only approved by XXXX. Excellent credit including mortgage history; low DTI; strong residual of $24,845.00; Strong Reserves of over $549,000.00 COMPENSATING FACTOR Excellent credit including mortgage history; low DTI; strong residual of $24,845.00; Strong Reserves of over $549,000.00 Pricing: Expanded AA (5.17.22 rate sheet) 6.625% + .25 interest only exception + (.125) buydown = 6.75%; .25 points for buydown; 2.5 BPC; Loan amount unstacked $XXXX; Loan amount stacked $XXXX |  |  |  | 06/22/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905471 | 861 | 06/22/2022 | Credit | Note |  | Note - Other: |  | Please provide a corrected Prepayment Addendum to the Note with the completed prepayment structure. The prepayment charge is blank. (There is a complete Prepayment Rider to the Deed of Trust indicating a prepayment structure of 6 months interest) | Correct PPP Addendum to Note provided |  | Client 06/22/2022 03:45 PM; Corrected prepay uploaded to loan file. Thanks.<br>Reviewer 06/22/2022 03:58 PM; <br>Reviewer 06/22/2022 03:58 PM; Hello, condition has been cleared. Thank you!<br>| 06/22/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905472 | 758 | 06/23/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Missing MTG statement or proof of PITI for XXXX. for $3,143.79. | document provided |  |  | 06/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905473 | 758 | 06/23/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Missing MTG statement or proof of PITIA for XXXX for $3,444.19. | document provided |  |  | 06/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905474 | 758 | 06/23/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Missing MTG statement or proof of PITIA for XXXX. $2,950. | total $3485.66 was calculated and used in ratios |  |  | 06/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905475 | 758 | 06/23/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Missing MTG statement or proof of PITIA for XXXX. $3,287.07. | document provided |  |  | 06/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1385021 | XXXX | XXXX | 6966589 | 862 | 03/28/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Deed of Trust/Mortgage did not reflect the day of the month the notary signed the document. | Per client Corrected the Notary Signature uploaded was Corrected before recorded. |  | Client 03/30/2022 10:29 AM; Corrected Notary Signature uploaded. Corrected before recorded. Please clear, thanks!<br>Reviewer 03/30/2022 10:50 AM; Corrected Notary date provided. Please provide a LOI to re-record.<br>Reviewer 03/30/2022 10:57 AM; Per client Corrected the Notary Signature uploaded was Corrected before recorded.<br>Reviewer 03/30/2022 10:58 AM; <br>Reviewer 03/30/2022 10:58 AM; Hello, Condition has been cleared. Thank you<br>| 03/30/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1385021 | XXXX | XXXX | 6966590 | 851 | 03/28/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Maximum LTV on Expanded AA 12 month bank spread is 80% |  | DEVIATION REQUEST: Maximum LTV on Expanded AA 12 month bank spread is 80% Approved by XXXX to proceed with 85 COMPENSATING FACTORS: 6.500%(base) + .250%(12 Month Bank Statement) = 6.75% (Final Rate) (Expanded AA March 1) 2.00 points paid at close |  |  |  | 03/28/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1417076 | XXXX | XXXX | 6906562 | 187 | 07/20/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  |  | Information provided |  |  | 07/28/2022 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905476 | 380 | 06/23/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing Lease Agreement or proof of rental income for XXXX for $2,400. | document provided |  |  | 06/27/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905477 | 380 | 06/23/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing Lease Agreement or proof of rental income for XXXX. $2,550. | document provided |  |  | 06/27/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905478 | 380 | 06/23/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing Lease Agreement or proof of rental income for XXXX. $2,950. | 1007 provided |  |  | 06/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420035 | XXXX | XXXX | 6905479 | 380 | 06/23/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing Lease Agreement or proof of rental income for XXXX. $2,495. | document provided |  |  | 06/27/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1420050 | XXXX | XXXX | 6905512 | 330 | 07/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Self-employed less than 2 years using 12 months bank statements |  | Borrower 1: Self-employed less than 2 years using 12 months bank statements. |  |  |  | 07/07/2022 B | 2 | XXXX | CO | 1 | 1 A B | A | A |  | Non-QM | 1 |
| 1420146 | XXXX | XXXX | 6905359 | 971 | 07/01/2022 | Credit | Compliance |  | Compliance - CD- Missing CD Signed by borrower |  | Borrower #1 signature missing | Information provided |  |  | 07/06/2022 |  | A | 1 | XXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1420146 | XXXX | XXXX | 6905360 | 861 | 07/01/2022 | Credit | Note |  | Note - Other: |  | Borrower #1 signature missing. | Information provided |  |  | 07/06/2022 |  | A | 1 | XXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1420146 | XXXX | XXXX | 6905361 | 323 | 07/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | XXXX documentation is required. As per borrower's email dated XXXX, "we use XXXX for XXXX so no lease agreement." Guidelines Statements from XXXX and other similar firms - 12 months statements are required for refinance. Less than 12 months or purchase transactions require senior management approval. | document provided |  | Reviewer 07/07/2022 12:15 PM; duplicate loan approval dated XXXX does not include less than 12 months require Sr Mgmt, and XXXX statements required <br>| 07/12/2022 |  | A | 1 | XXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1420181 | XXXX | XXXX | 6905420 | 902 | 07/07/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 07/19/2022 |  | A | 1 | XXXX | OH | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1420181 | XXXX | XXXX | 6905421 | 898 | 07/07/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Compliance TRID- Fee Tolerance Violation COMMENT Zero tolerance violation of $545 due to the addition of a 2nd XXXX management fee and 2nd appraisal on the 6/22 CD. Please provide proof of $545 refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing. | Refund provided. |  | Client 07/13/2022 05:50 PM; The original appraisal that came in was not approved by senior management. It was not completed by an approved XXXX. Senior management required a new appraisal completed in our name by one of our approved XXXX's.<br>Reviewer 07/13/2022 07:20 PM; <br>Reviewer 07/14/2022 11:21 AM; Escalation has been assigned for Further Review<br>Reviewer 07/14/2022 02:40 PM; Hello, This additional appraisal fee cannot be passed on to the Borrower because the appraisal was not completed by an approved appraiser/XXXX. There is a XXXX L/E dated 5/19 with only one appraisal and the 2nd appraisal was not added until the initial CD on 6/22. Also note, we do not have both appraisals in the file and only have one dated XXXX which is listed on the CD as the 2nd appraisal from XXXX. Provide PCCD with cure, Letter of Explanation, <br>|  | 07/19/2022 | B | 2 | XXXX | OH | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1420198 | XXXX | XXXX | 6905485 | 851 | 06/30/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines- Rent /Mortgage history 0x30x24. Deviation Request-Borrower does not have the requirement. Compensating Factors-In file since 2016, assets after close $43084.17 and residual income $3116.92. |  | Compensating Factors-In file since 2016, assets after close $43084.17 and residual income $3116.92. |  |  |  | 06/30/2022 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1421774 | XXXX | XXXX | 6912146 | 959 | 07/25/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Missing. | Impound Account Authorization doc provided is sufficient and contains the initial escrow/impound account information |  | Reviewer 07/29/2022 08:53 AM; Tdoc provided was not the IEADS. Condition remains open.<br>Client 08/01/2022 07:38 AM; This is a business purpose loan and not subject to TRID requirements. The document provided is sufficient.<br>Reviewer 08/01/2022 08:19 AM; Tdoc provided was not the IEADS. Condition remains open.<br>Reviewer 08/01/2022 08:39 AM; <br>Reviewer 08/01/2022 09:44 AM; Hello, Condition has been cleared. thank you<br>| 08/01/2022 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1421774 | XXXX | XXXX | 6913008 | 423 | 07/26/2022 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Correction/Clarification |  | Provide corrected page 1 of the appraisal report evidencing the property type as Fee Simple. Title shows the property vested in Fee Simple. Appraiser indicates leasehold and a copy of the leasehold agreement was not in file. | Fee simple title uploaded converted Leasehold to Free simple at closing. |  | Client 07/28/2022 01:34 PM; Uploaded title to show deed was done at closing to convert to fee simple, but was a leasehold at time of appraisal inspection.<br>Reviewer 07/29/2022 06:01 AM; deficiency cleared <br>| 07/29/2022 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1421774 | XXXX | XXXX | 6913009 | 323 | 07/26/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower does not meet First Time Investor guidelines due to ownership of the subject property was < 12 months. The loan file does not contain evidence of additional property ownership within the last 36 months and the Schedule of REO/Track Sheet evidencing a list of properties current owned by the borrower was not provided. | document provided |  | Client 08/01/2022 07:10 AM; Provided title evidencing ownership of additional property<br>Reviewer 08/01/2022 08:43 AM; deficiency open <br>Reviewer 08/01/2022 08:43 AM; title provided is for subject not additional property <br>Client 08/01/2022 10:03 AM; Correct title provided. I apologize - my error.<br>Reviewer 08/01/2022 01:48 PM; cleared in tdocs <br>| 08/01/2022 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1421774 | XXXX | XXXX | 6913010 | 327 | 07/26/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing verification of housing history for the borrower's primary residence XXXX. | &nbsp;&nbsp;&nbsp;&nbsp;12 months rent payments confirming 1 x 30 late payments documented . |  | Reviewer 07/29/2022 07:06 AM; documentation provided does not clearly satisfy satisfactory 12 months rental verification for primary residence at XXXX. <br>Reviewer 08/01/2022 08:38 AM; documentation provided does not clearly show rental payments for borrowers primary residence. <br>Reviewer 08/01/2022 10:04 AM; document corrupt- please resend <br>Reviewer 08/04/2022 06:43 AM; the lease document is corrupt, please resend<br>Reviewer 08/04/2022 07:22 AM; document provided does not clearly state date of rent, or account rent payments came from. The August payment appears to be delinquent added to September as a double payment from previous landlord. Documentation required to clearly show rents from borrower to other house mate for 1/3rd portion of rents have been paid timely, and previous rents were on time totaling most recent 12 months rental history. <br>Reviewer 08/04/2022 11:36 PM; Provide copies of bank statements that reflects amounts being paid for rent for the prior 12 months. Documentation required to clearly show rents from borrower to other house mate for 1/3rd portion of rents have been paid timely, and previous rents were on time totaling most recent 12 months rental history.<br>| 08/05/2022 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1421774 | XXXX | XXXX | 6913011 | 330 | 07/26/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the Lender's Loan Approval. | Documentation has been provided |  | Reviewer 07/29/2022 07:08 AM; screenshots provided does not satisfy loan approval document <br>| 08/02/2022 |  | A | 1 | XXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1424319 | XXXX | XXXX | 6920969 | 851 | 07/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Management Approval for a Bank Statement loan program with a FICO of 634. Guideline states the minimum for a bank statement program is 640. |  | COMPENSATING FACTORS: (1) Credit file since 1989. (2) Assets after closing of over $97k. (3) Gross residual income of over $7k. (4) Borrower has lived in subject property since 2003. |  |  |  | 07/26/2022 B | 2 | XXXX | NV | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1424321 | XXXX | XXXX | 6920970 | 110 | 07/07/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  |  | Information provided |  |  | 07/11/2022 |  | A | 1 | XXXX | NJ | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1424322 | XXXX | XXXX | 6920971 | 323 | 07/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Mortgage history of 3X30 in past 24 months does not meet guidelines. |  | Client approved the delinq mortgage history due to Covid and low LTV of 30% |  |  |  | 07/20/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1424324 | XXXX | XXXX | 6920972 | 323 | 07/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for credit score and appraisals. Loan late payment and low FICO score (1x30x12 and FICO of 600). 2 appraisals required for loan >$1.5M. |  | Exception approved due to compensating factors: Low LTV and strong reserves after closing. |  |  |  | 07/12/2022 B | 2 | XXXX | NJ | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1424325 | XXXX | XXXX | 6920973 | 884 | 07/19/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 07/20/2022 |  | A | 1 | XXXX | TX | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1424325 | XXXX | XXXX | 6920974 | 895 | 07/19/2022 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Missing CD issued with proof CD was received 3 days prior to consummation | Information provided |  |  | 07/20/2022 |  | A | 1 | XXXX | TX | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1424331 | XXXX | XXXX | 6920986 | 108 | 07/21/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  |  | Information provided |  |  | 07/22/2022 |  | A | 1 | XXXX | CT | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1424333 | XXXX | XXXX | 6920987 | 851 | 06/24/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES DSCR 1.0, COVID FB 6 MO MAX DEVIATION REQUEST DSCR .92,, ALL WITH COVID FB 10MO |  | COMPENSATING FACTORS: BOTH BORROWERS SAME EMPLOYMENT 7YRS, FICOS 750 & 737, 60% LTV |  |  |  | 06/24/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1424340 | XXXX | XXXX | 6920993 | 186 | 07/14/2022 | Credit | Flood Certificate |  | Flood Certificate - Certificate is not "Life of Loan " |  | Flood cert states basic determination. Life of Loan determination is required. | Information provided |  |  | 07/19/2022 |  | A | 1 | XXXX | HI | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1424340 | XXXX | XXXX | 6920994 | 330 | 07/19/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject is High Rise Condo over 10 stories. Sr Management approval required. |  |  |  |  |  | 07/19/2022 B | 2 | XXXX | HI | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1424346 | XXXX | XXXX | 6921001 | 350 | 07/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 85% exceeds guideline of 80% for second home full doc AA loan |  | Approved by XXXX to proceed with Non-Arms length Second Home Approved by XXXX to proceed with 85% LTV on Second Home. Compensating Factors: 800 FICO score with well paid mortgages, 100k+ in assets, 8k monthly income with DTI below 45%. |  |  |  | 07/20/2022 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1424346 | XXXX | XXXX | 6921002 | 851 | 07/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Non arms length transaction. purchasing from friends at a discounted value. |  | Compensating Factors: 800 FICO score with well paid mortgages, 100k+ in assets, 8k monthly income with DTI below 45%. |  |  |  | 07/12/2022 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1424379 | XXXX | XXXX | 6921031 | 851 | 07/14/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-First time investor must own primary residence for 12 months. Deviation Request- FTHB and first-time investor, pays cash for current primary rental. Compensating Factors-Stability, same primary for 8+ years, employment 30 years, good credit, FICO 699 and all paid as agreed. |  | Compensating Factors-Stability, same primary for 8+ years, employment 30 years, good credit, FICO 699 and all paid as agreed. Nice collateral, well maintained. |  |  |  | 07/14/2022 B | 2 | XXXX | RI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1424381 | XXXX | XXXX | 6921032 | 330 | 07/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Hi Rise condotel, DSSCR <1.00, Under 500 sqft |  | Compensating Factors Experienced homeowner(primary & investment)long term job (21 years) Perfect mtg history, nice collateral, pricing (06.15.22) 6.625 base + 0.50 Condotel + 0.50% DSCR< 1.00x 0.125 exception 7.75% start/final rate +0.50 pts to LMC for exception (+2.50 pts to broker) |  |  |  | 07/22/2022 B | 2 | XXXX | FL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1424391 | XXXX | XXXX | 6921042 | 110 | 07/14/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  |  | Information provided |  |  | 07/15/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1424394 | XXXX | XXXX | 6921043 | 272 | 07/25/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject is a mixed use property that does not meet residential guidelines |  | Client approved Single family mixed use property with XXXX on ground floor and apartment upstairs, due to the low LTV and recent good credit. |  |  |  | 07/25/2022 B | 2 | XXXX | DE | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1424394 | XXXX | XXXX | 6921044 | 322 | 07/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | FICO score of 677 does not meet guideline of 700 |  | Client approved due to the low LTV and resent good credit |  |  |  | 07/25/2022 B | 2 | XXXX | DE | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1424396 | XXXX | XXXX | 6921046 | 861 | 07/22/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The terms on the Prepayment Penalty Addendum are incomplete. The prepayment structure is also blank. Please provide corrected Prepayment Addendum and confirm the prepayment structure. | Client confirms there is no prepayment penalty on this loan. & Terms are blank on ppp addendum. |  | Client 07/22/2022 12:28 PM; Confirming no prepayment penalty. Please clear, thanks!<br>Reviewer 07/22/2022 01:00 PM; Happy Friday, Condition has been cleared. Thank you!<br>Reviewer 07/22/2022 01:00 PM; <br>| 07/22/2022 |  | A | 1 | XXXX | ID | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1424399 | XXXX | XXXX | 6921048 | 323 | 07/19/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for cash out with FICO score. Guideline Minimum 700 FICO required for cash out. Loan FICO is 687. |  | Exception approved due to compensating factors: good credit borrower is not a credit abuser; good collateral. |  |  |  | 07/19/2022 B | 2 | XXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1424401 | XXXX | XXXX | 6921049 | 272 | 07/28/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The property is a high rise and an unwarrantable condo. |  | The exception was granted for the high rise with the following compensating factors: 37 years credit history, no lates/public records, has strong assets after closing |  |  |  | 07/28/2022 B | 2 | XXXX | NV | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1424449 | XXXX | XXXX | 6922644 | 330 | 08/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Transaction is delayed financing provide documentation of funds used to purchase the subject property. | Cash out seasoning is not based on property acquisition date to application date, it is the difference between the note date of the new loan and the property acquisition date, as reflected in the client guide. Acquisition date is XXXX, Note date is XXXX, total days are 103 |  | Reviewer 08/18/2022 12:10 PM; The subject property is XXXX and was purchased for $XXXX on XXXX and funds required for original purchase was $XXXX. The CD received is dated XXXX for properties XXXX and XXXX and cash required of borrower was $XXXX. This document did not document the funds of $XXXX required to purchase the subject property XXXX on XXXX<br>Reviewer 08/31/2022 12:34 PM; Documentation of $XXXX funds used to purchase the subject property XXXX on XXXX was not received<br>Reviewer 08/31/2022 09:22 PM; Cash out seasoning is defined as the time difference between application date of the new loan (XXXX) and the property acquisition date (XXXX) which is less than 3 months. Cash out seasoning of less than 3 months is not allowed. See page 60 of XXXX NonQM client guidelines.<br>Client 09/08/2022 11:52 AM; This loan was not delayed financing. It was a cash out refi with ownership seasoning between 3-6 months. Source of funds is not required per email from XXXX. Cash out seasoning is not based on property acquisition date to application date, it is the difference between the note date of the new loan and the property acquisition date, as reflected in the client guide. Acquisition date is XXXX, Note date is XXXX, total days are 103 <br>Reviewer 09/08/2022 12:30 PM; deficiency has been cleared<br>| 09/08/2022 |  | A | 1 | XXXX | MI | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6923247 | 432 | 08/04/2022 | Credit | UW Assets |  | UW Assets - UW - Evidence of downpayment missing/incomplete |  | Provide proof of receipt from Escrow and the statement providing the EMD of $5490 cleared the account. |  |  |  | 08/10/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6923248 | 433 | 08/04/2022 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Provide 2 consecutive months bank statements within 90 days of closing supporting funds to close and 6 months reserves. | source of deposits not required per guidelines for DSCR. (2 months statements no sourcing required) |  | Reviewer 08/10/2022 09:27 PM; Provide documentation of the source of deposit to XXXX on XXXX $XXXX.<br>Client 09/16/2022 01:16 PM; We don't source large deposits on DSCR loans<br>Reviewer 09/16/2022 01:22 PM; this has been cleared<br>| 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6923249 | 323 | 08/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Provide exception approval for LTV >80%. Guideline 680+ <=$1,500,000 \| DSCR >=.75 \| Purchase \| LTV 80% Loan 684 FICO \| Purchase \| LTV 82.5% | received |  |  | 08/25/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6922196 | 872 | 08/03/2022 | Credit | PMI |  | PMI - Other: |  | MI reflected on settlement statement. No MI cert in file. Please upload. | Information provided |  | Reviewer 08/23/2022 06:00 AM; MI Cert not provided.<br>| 09/12/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6926862 | 330 | 08/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines A fraud report which includes all parties to the transaction is required on all loans submitted for a review. | received |  | Reviewer 08/10/2022 09:22 PM; The document received did not include XXXX (review appraiser)<br>Reviewer 08/22/2022 08:05 PM; The document received did not include the fraud report with XXXX included in the participant search.<br>| 11/01/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1425367 | XXXX | XXXX | 6924510 | 431 | 08/05/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Missing two months asset statements to support funds required for closing in the amount of $4866.88. No asset documentation was provided in the loan images. |  |  |  | 08/17/2022 |  | A | 1 | XXXX | FL | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 1425372 | XXXX | XXXX | 6924423 | 330 | 08/05/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide VOM for XXXX private mortgage. |  |  |  | 09/06/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1425375 | XXXX | XXXX | 6925990 | 431 | 08/09/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Verified XXXX #XXXX $947.04. Missing statements for XXXX #XXXX $9676.23 and XXXX #XXXX $32023.99. | received |  |  | 08/12/2022 |  | A | 1 | XXXX | CA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1425375 | XXXX | XXXX | 6925991 | 851 | 08/09/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception for experience. Borrower has owned primary residence for 12 months and recently purchased other investment proerties. Compensating Factors- 756 fico and 1.017 DSCR |  | Compensating Factors- 756 fico and 1.017 DSCR |  |  |  | 08/09/2022 B | 2 | XXXX | CA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1425378 | XXXX | XXXX | 6924682 | 431 | 08/05/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Missing asset statements evidencing sufficient funds to support the funds required for closing in the amount of $XXXX. | XXXX and XXXX statements provided |  |  | 09/02/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1425380 | XXXX | XXXX | 6924918 | 440 | 08/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete 1040's |  | Missing the income verification for self employed standard documentation. | received |  |  | 10/10/2022 |  | A | 1 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1425380 | XXXX | XXXX | 6924919 | 1012 | 08/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Calculation Discrepancy self-employed income |  | Missing the income calculations for self employed borrower | received |  | Reviewer 10/10/2022 08:57 PM; Documents received did not include the income worksheet calculations<br>| 11/01/2022 |  | A | 1 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1425380 | XXXX | XXXX | 6925046 | 898 | 08/08/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 10% tolerance violation of $28 due to the increase in recording fees. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing | Information provided |  | Reviewer 10/11/2022 09:39 AM; Data proof sheet will not clear deficiency. Refund is required. 0% tolerance violation of $28 due to the increase in recording fees. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing<br>Reviewer 11/01/2022 01:07 PM; Escalated for review<br>Reviewer 11/01/2022 02:45 PM; Need final CD with final disclosed fees to borrower. Fees on settlement statement uploaded do not match fees on last disclosed CD in file issued 7/11<br>| 12/08/2022 |  | A | 1 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1425380 | XXXX | XXXX | 6925047 | 902 | 08/08/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/08/2022 |  | A | 1 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1425380 | XXXX | XXXX | 6925145 | 1080 | 08/08/2022 | Compliance | Compliance |  | Compliance - - State Regulations Restricted Fees Fail |  | Loan failed the NJ prohibited fee test of $1690. These fee's include $695 for processing fee and $995 for underwriting fee. Please provide proof of refund and LOX to borrower. | Information provided |  | Reviewer 10/11/2022 09:39 AM; Data proof sheet will not clear deficiency. These fee's are prohibited by the State of New Jersey. Please provide proof of refund and lox to borrower<br>Reviewer 11/01/2022 01:07 PM; Escalated for review<br>| 12/08/2022 |  | A | 1 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925330 | 445 | 08/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Supply satisfactory 24 months bankstatements supporting income of $10,101.23- return to auditor to review | Transfers are from the web Borrower runs her business from a website supported with bank statements |  | Reviewer 09/30/2022 04:19 PM; Returned to Auditor for review<br>Reviewer 10/01/2022 02:19 PM; All income appears to be transferred from another account "XXXX". Supply initial account these transfers are from to use as income. Transfer funds cannot be used as business income without supporting documentation to the origin of the initial account it it being transferred from. <br>Client 10/10/2022 02:36 PM; The borrower runs her business from a website, the transfers are from the web. Please refer to the Income – Bank Statements folder, proof of business document <br>Client 10/10/2022 06:41 PM; The borrower runs her business from a website, the transfers are from the web. Please refer to the Income – Bank Statements folder, proof of business document <br>Reviewer 10/11/2022 08:26 AM; Condition has been cleared Thank you <br>Reviewer 10/11/2022 08:27 AM; Condition has been cleared Thank you<br>| 10/11/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925331 | 1013 | 08/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  |  | received |  |  | 09/30/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925343 | 327 | 08/08/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | 12 months cancelled rent checks to provide timely payments are required when renter is purchasing from landlord (VOR is not acceptable) | received |  |  | 09/30/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925347 | 350 | 08/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Exception required for LTV over 80% for Non-Arms-Length transactions | received |  |  | 10/11/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925352 | 351 | 08/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | Exception needed for DTI over 45% for first time homebuyer |  |  |  |  |  | 12/06/2022 B | 2 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925382 | 320 | 08/08/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Exception for usage of gift funds of $28,000 noted on closing disclosure, along with tracing of gift funds | received |  |  | 10/10/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6925386 | 431 | 08/08/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Supply satisfactory evidence of funds to close $XXXX and 6 months reserves $26,370 | received |  |  | 09/30/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425390 | XXXX | XXXX | 6924473 | 986 | 08/05/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing E-consent dated 6/12/22. |  |  | Reviewer 09/30/2022 11:34 AM; No documentation provided<br>| 10/11/2022 |  | A | 1 | XXXX | MD | 1 | 1 D B | C | A |  | Non-QM | 1 |
| 1425666 | XXXX | XXXX | 6925326 | 424 | 07/20/2022 | Credit | UW Collateral |  | UW Collateral - UW - Appraisal Report invalid or expired |  | Missing approval for 1st Appraisal effective date XXXX being over 120 days. Approval up to 180 days with LTV below 70% with management approval. |  | exception: Mid Co borrower 690 High Residual income of $28,029.66 per month. All mortgages paid as agreed. Credit depth of 39 years. |  |  |  | 07/20/2022 B | 2 | XXXX | AZ | 1 | 3 D B | A | A |  | Non-QM | 1 |
| 1424336 | XXXX | XXXX | 6966608 | 861 | 07/13/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The Prepayment Addendum to the Note is fully executed but the terms on the Prepayment Penalty Addendum are all blank. Please provide corrected Prepayment Addendum and confirm the prepayment terms. | Client confirms no PPP: CD reflects no and PPP Note Addendum reflects blank terms. |  | Client 07/13/2022 07:07 PM; Confirming loan does not have a Prepayment Penalty. Please clear, thanks!<br>Reviewer 07/13/2022 07:21 PM; <br>Reviewer 07/14/2022 11:20 AM; Hello, Condition has been cleared. Thank you!<br>| 07/14/2022 |  | A | 1 | XXXX | PA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1424403 | XXXX | XXXX | 6966621 | 861 | 07/21/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The Note in the file section 4 refers to attached Prepayment Note Addendum but the Prepayment Penalty Addendum is missing. The CD also states that there is a prepayment penalty. Please provide a fully executed prepayment penalty addendum to the note. | Information provided |  |  | 07/22/2022 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1424469 | XXXX | XXXX | 6967479 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1425380 | XXXX | XXXX | 6928177 | 330 | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception to decrease loan amount below the $150,000 minimum to $XXXX. |  | Value came in low. Approved: 06/03/2022 XXXX |  |  |  | 08/11/2022 B | 2 | XXXX | NJ | 1 | 13 D B | C | A |  | Non-QM | 1 |
| 1427486 | XXXX | XXXX | 6933377 | 330 | 08/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | 4 Units, 4 Units with accessory unit. |  | Reserves $300k plus, years at present address 5 years, smart realto with investment property strategy. This property has solid rents. |  |  |  | 08/17/2022 B | 2 | XXXX | AL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1428116 | XXXX | XXXX | 6934023 | 272 | 08/18/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject located in Rural area, and using XXXX for rental qualification |  | Borrower has strong FICO, Countered to Rate Term refinance, dropped LTV. XXXX and P/L Booking provided solid history of earnings |  |  |  | 08/18/2022 B | 2 | XXXX | OH | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1428116 | XXXX | XXXX | 6934124 | 416 | 08/18/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client PUD Warranty Requirements |  | Supply Name/address of association of PUD HOA Association per appraiser | received |  |  | 08/22/2022 |  | A | 1 | XXXX | OH | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1428121 | XXXX | XXXX | 6933733 | 322 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Exception for FICO score 674 not meeting minimum 680 score for 80% LTV |  | Exception granted, borrower has overall good credit (DSCRs to ignore Collections) Has numerous mortgages paid as agreed DCR 2.197 Approved 06/16/2022 by XXXX |  |  |  | 08/18/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1428122 | XXXX | XXXX | 6934318 | 350 | 08/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 77.39 exceeds guideline of 75.00% |  | Client approved due to DSCR ratio and reserves |  |  |  | 08/18/2022 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1428124 | XXXX | XXXX | 6933502 | 72 | 08/17/2022 | Credit | Closing Package |  | Closing Package - |  | Need updated settlement statement with the correct disbursement date. The closing date is XXXX the settlement statement needs to reflect | Information provided |  |  | 08/31/2022 |  | A | 1 | XXXX | MI | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1428139 | XXXX | XXXX | 6933074 | 861 | 08/17/2022 | Credit | Note |  | Note - Other: |  | Prepayment Penalty Addendum is missing. | Information provided |  |  | 09/07/2022 |  | A | 1 | XXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1428148 | XXXX | XXXX | 6936102 | 433 | 08/22/2022 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Borrower is required to bring $XXXX funds to close. File does not contain any assets. | received |  | Reviewer 08/24/2022 10:13 PM; Provide documentation of source of $XXXX deposit to XXXX #XXXX on XXXX<br>Reviewer 10/10/2022 03:44 PM; The documents received did not reflect the source of the $XXXX deposit on XXXX<br>| 11/01/2022 |  | A | 1 | XXXX | OH | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1428151 | XXXX | XXXX | 6935788 | 330 | 08/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR 1.044, 70% base LTV,.25 price adjustment for exception |  | Rent Free, approved 07/13/2022 by XXXX. |  |  |  | 08/22/2022 B | 2 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1428152 | XXXX | XXXX | 6934622 | 320 | 08/18/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Two consecutive months of asset documentation is required. The screenshots provided do not have the date durations and others do not have borrowers' name on them. | received |  |  | 08/30/2022 |  | A | 1 | XXXX | MD | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1428153 | XXXX | XXXX | 6933670 | 320 | 08/18/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Satisfactory two months evidence for funds to close $XXXX |  |  |  | 10/10/2022 |  | A | 1 | XXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1428153 | XXXX | XXXX | 6933671 | 432 | 08/18/2022 | Credit | UW Assets |  | UW Assets - UW - Evidence of downpayment missing/incomplete |  | Satisfactory evidence of SOF for additional EM $5000 traced for a total of $10,495 EM into transaction | received |  |  | 10/10/2022 |  | A | 1 | XXXX | TX | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1428291 | XXXX | XXXX | 6935096 | 418 | 08/19/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Missing a completed Condominium Homeowners Association (HOA) questionnaire, as required per guidelines. |  |  |  | 09/06/2022 |  | A | 1 | XXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1428291 | XXXX | XXXX | 6935097 | 350 | 08/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 82.40% exceeds the maximum LTV allowed of 80% for a Purchase transaction with a DSCR > 0.75% |  |  |  | 11/01/2022 |  | A | 1 | XXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1428291 | XXXX | XXXX | 6935099 | 433 | 08/19/2022 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | File is short total funds to close and reserves required. Funds to close were $XXXX Only 42,200.96 was verified, leaving a shortage of $8,849.42. The asset statements from XXXX acct XXXX and XXXX were missing from the loan |  |  |  | 11/01/2022 |  | A | 1 | XXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1428297 | XXXX | XXXX | 6934892 | 328 | 08/19/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Borrower does not meet the minimum 12-month housing payment history for primary residence, as required per guidelines. |  | Borrower resides with spouse. Loan and property on primary residence was in the non-borrowing spouse name. Compensating Factors: DSCR 1.371 vs Guideline 0.75. Qualifying Credit Score of 649 vs Guideline 600. |  |  |  | 08/19/2022 B | 2 | XXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1428299 | XXXX | XXXX | 6934402 | 271 | 08/18/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Ineligible Condo Project The subject property was converted from apartments into a condo. Per guidelines, conversions are not eligible. |  | Project meet all other required standards. Comp factor: DSCR 0.86 vs 0.75. Credit Score 756 vs 680. |  |  |  | 08/18/2022 B | 2 | XXXX | WA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1428299 | XXXX | XXXX | 6934403 | 418 | 08/18/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Missing the Condo Questionnaire for the subject property, as required per guidelines. |  |  | Reviewer 08/24/2022 10:16 PM; the condo questionnaire was not included in the documents received.<br>| 09/08/2022 |  | A | 1 | XXXX | WA | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1428301 | XXXX | XXXX | 6936041 | 851 | 08/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES EXCEPTION REQUEST LTV Exception for lack of experience(owning investment for 12mo) |  | COMPENSATING FACTORS: Borrower has recently purchased 3 investment properties within last 1-4months. One property is being sold(fix an flip) for funds to close plus leaving borrower with 10-12 months in reserves. Primary mortgage paid as agreed. 7.31 FICO DSCR 1.640 |  |  |  | 08/22/2022 B | 2 | XXXX | PA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1428301 | XXXX | XXXX | 6936321 | 431 | 08/22/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | CTC and reserves required to be verified per approval of $40295 with 2months statements, missing from file | 2 months bank statements support down payment and reserves/straight deposits are not sourced |  | Reviewer 08/30/2022 10:13 AM; the documents received are Account Activity Details for XXXX #XXXX. Both pages are dated XXXX; however, one statement reflects a balance of $40,311 at 7:59 pm and the other statement reflects a balance of $36,011 at 2:18 pm. There is a difference of $4,000 but there is no deposit reflected on the later statement.<br>Client 09/07/2022 11:27 AM; 2 months bank statements support down payment and reserves/straight deposits are not sourced<br>Reviewer 09/07/2022 02:35 PM; deficiency has been cleared with the documentation provided.<br>| 09/07/2022 |  | A | 1 | XXXX | PA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1429031 | XXXX | XXXX | 6936446 | 898 | 07/13/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $625 due to the addition of a second XXXX Management fee for $215 and the addition of a second Appraisal Fee for $410 on the 7/6 CD. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure, as well as evidence of refund delivery. All must be provided within 60 days of closing. | refund provided. |  |  |  | 07/19/2022 | B | 2 | XXXX | CA | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1429031 | XXXX | XXXX | 6936447 | 902 | 07/13/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 07/19/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1429031 | XXXX | XXXX | 6936448 | 330 | 07/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Deviation Payshock is 3.31x. |  | Compensating Factors: 16 years job time, credit depth 25 yrs, perfect mtg history. |  |  |  | 07/15/2022 B | 2 | XXXX | CA | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1429034 | XXXX | XXXX | 6936453 | 851 | 07/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan size $150,000.00. Cash out DSCR FICO min 700 |  | DEVIATION REQUEST: Loan size under 150K. FICO under 700 for cash out DSCR COMPENSATING FACTORS: Good equity in properties, good job time of 5 years, good assets, seasoned investor Note Rate 8.625% Qual Rate 8.625% XXXX |  |  |  | 07/26/2022 B | 2 | XXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1429044 | XXXX | XXXX | 6936465 | 272 | 07/26/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The condo square footage is less than the minimum required and there is no approval or exception is in file. | received |  |  | 08/08/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1429308 | XXXX | XXXX | 6941801 | 375 | 08/30/2022 | Credit | UW Other |  | UW Other - UW - Title/Deed to evidence ownership |  | supply evidence of deed transfer from XXXX and XXXX to XXXX |  |  |  | 09/08/2022 |  | A | 1 | XXXX | NJ | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1429308 | XXXX | XXXX | 6941803 | 998 | 08/30/2022 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Title to supply disposition for Assignment and subordination of mortgage recorded on XXXX in Book XXXX, Page XXXX as noted on schedule B | received |  |  | 09/12/2022 |  | A | 1 | XXXX | NJ | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1429310 | XXXX | XXXX | 6939654 | 851 | 08/25/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION 3-6 Month Cash Out Requirement not met (DSCR>1) |  | COMPENSATING FACTORS: 12 Months reserves aside from cash out received on this loan Overall credit good, no lates Primary mortgage paid A/A Remodeled property. Value supported Approved by XXXX 8/4/2022 |  |  |  | 08/25/2022 B | 2 | XXXX | NE | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1429313 | XXXX | XXXX | 6938955 | 345 | 08/25/2022 | Credit | UW Other |  | UW Other - UW - Occupancy Discrepancy/Misrep |  | Home owners insurance dated XXXX effective XXXX list subject property as owner occupied primary residence. Does not meet DSCR guidelines. | received |  | Reviewer 09/21/2022 01:58 PM; Provide page 2 of 4 for the HO-3 Declarations to reflect property is insured as a rental property<br>Reviewer 09/28/2022 09:18 PM; Page 2 received reflects the subject property as Primary<br>| 09/29/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1429316 | XXXX | XXXX | 6938966 | 851 | 08/25/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower is a first-time investor. The only property owned is a primary residence. Per the credit report, that mortgage was opened in 01/2022 with only 6 months credit history reviewed. Per guidelines for a first-time investor, "First Time Investors must have owned a property for twelve (12) months anytime during the past thirty-six (36) months." |  | COMPENSATING FACTORS: (1) FICO - Borrower has a 635 score, which is above the 600 minimum. (2) RESERVES - Borrower has over 12 months in reserves. (3) LTV - The LTV is 70%, which is below the max of 75%. |  |  |  | 08/25/2022 B | 2 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429316 | XXXX | XXXX | 6938968 | 433 | 08/25/2022 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Asset Statement appears to be missing. The only bank statement provided in the loan file is a XXXX acct# XXXX dated XXXX showing an ending balance of $XXXX. However, the Final 1003 lists a balance of $XXXX. Verification of the bank statement with the $XXXX balance is needed. {Note it must be newer than the XXXX statement already provided in order to be used} | screen print of bank statement ending in XXXX matches last 4 digits of the full bank statements in file. verifies balance of $XXXX which supports reserves and cash to close. |  | Client 09/08/2022 03:41 PM; The screen shot shows "business adv relationship – XXXX" <br> The XXXX is the last 4 of the account number shown on the bank statements. This was provide in the initial upload. <br>Reviewer 09/08/2022 03:54 PM; this deficiency has been cleared with the information provided<br>| 09/08/2022 |  | A | 1 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429316 | XXXX | XXXX | 6937497 | 72 | 08/23/2022 | Credit | Closing Package |  | Closing Package - |  | Closing Disclosure, HUD-1 or Settlement Statement showing correct escrows is required. IEADS shows amount of $926.7. Amounts shown must equal $926.79. | Information provided |  |  | 09/12/2022 |  | A | 1 | XXXX | MD | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429317 | XXXX | XXXX | 6938866 | 330 | 08/24/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower has limited experience as an investor at an 80% LTV. |  | The exception was granted with the following compensating factors: The borrower owns primary residence for 2+ years. All payments are made on time. DSCR is 1.257 and has 23 months reserves. |  |  |  | 08/24/2022 B | 2 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429317 | XXXX | XXXX | 6938879 | 320 | 08/24/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing verification of assets from original images, to cover closing costs in the amount of $XXXX plus reserves. | received/$XXXX |  | Reviewer 09/12/2022 02:08 PM; Document could not be located in the original images. Provide bank statements for assets to close and 23 months reserves (shown on approval) for a total of $40,775<br>| 09/29/2022 |  | A | 1 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429318 | XXXX | XXXX | 6938864 | 330 | 08/24/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower is inexperienced investor and doing a POA. |  | The exceptions were granted with the following compensating factors: Ample reserves and 719 FICO. |  |  |  | 08/24/2022 B | 2 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429318 | XXXX | XXXX | 6938865 | 320 | 08/24/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing bank statements from original images verifying assets for closing in the amount of $XXXX and reserves. | received |  |  | 09/07/2022 |  | A | 1 | XXXX | GA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1429321 | XXXX | XXXX | 6943223 | 330 | 08/31/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide a copy of the executed lease agreement for the subject property as the 1007 indicates the subject is currently tenant occupied and rented. | received |  |  | 09/28/2022 |  | A | 1 | XXXX | OH | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1429322 | XXXX | XXXX | 6939546 | 330 | 08/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception was approved to use the closing date to establish cash out seasoning date in lieu of recording as XXXX is months behind in recordings. |  |  |  |  |  | 08/25/2022 B | 2 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1429660 | XXXX | XXXX | 6938328 | 336 | 07/06/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | W-2 Transcripts were not provided. | received |  |  | 08/24/2022 |  | A | 1 | XXXX | AZ | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1429660 | XXXX | XXXX | 6938329 | 434 | 07/06/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Short $350 in reserves. |  | The exception was granted for less than required reserves with the following compensating factors: Refinance will save the borrowers $854 per month; Seasoned homeowners; borrowers have been homeowners since 2016. |  |  |  | 07/06/2022 B | 2 | XXXX | AZ | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1429921 | XXXX | XXXX | 6939516 | 902 | 03/16/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 03/30/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1429921 | XXXX | XXXX | 6939517 | 967 | 03/16/2022 | Credit | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | please provide post CD with correct closing and disbursement dates. current final CD does not allow 3 days for rescission | Information provided |  | Client 03/29/2022 04:33 PM; I have provided the Final Settlement Statement, the letter to the Borrower explaining the reasons for the PCCD, the PCCD and Disclosure Tracking for your review. This is a California loan and it is permissible in California.<br>Reviewer 03/29/2022 09:42 PM; <br>Reviewer 03/30/2022 07:01 AM; Deficiency previously cleared. Clearing escalation only.<br>| 03/30/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1429921 | XXXX | XXXX | 6939518 | 330 | 03/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Allow use of an additional $13,500 of the total gross, depletable assets to allow a total qualifying monthly income from asset depletion of $1127.09 in lieu of the max of $902.09 to qualify. Note asset depletion income using the additional $13,500 in assets it's still only 14.074% under the 15% max of the total qualifying income of $8238.70. |  | Compensating Factors: LTV is 43.226%, 41.774%, program maximum of 85%. Credit score is 730, 90 points greater than program requirement of 640. Reserves are 11.23 months, 4.23 months greater than program requirements of seven months. Borrower is retired. Borrower has one open and 12 closed mortgages reporting with 0×30 since inception. No public records and no late payments on entire credit report since earliest account inception of 3/1979. Overall monthly payment reductions of approximately $2800. |  |  |  | 03/17/2022 B | 2 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1429921 | XXXX | XXXX | 6939519 | 1108 | 03/22/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | No CU Score provided or available. | UCDP provided CU score is 1 |  |  | 03/25/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1429921 | XXXX | XXXX | 6939520 | 384 | 03/22/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Provide current business license for XXXX verifying Borrower is 100% owner as bank statements were used to qualify. | Received |  |  | 03/30/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A C |  | Non-QM | 1 |
| 1429922 | XXXX | XXXX | 6939522 | 862 | 03/22/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The notary acknowledgement was dated XXXX. The closing date was XXXX. A Corrected, fully executed Deed of Trust is required along with a Letter of Intent to re-record. | Information provided |  |  | 03/28/2022 |  | A | 1 | XXXX | PA | 1 | 3 C A | C | A |  | Non-QM | 1 |
| 1429923 | XXXX | XXXX | 6939525 | 336 | 02/25/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Loan approved as 12 month bank statement loan. 12 month bank statement income calculator provided but only November and December 2021 statements provided. Business bank statements for October 2021 to January 2021 are missing. | Received |  |  | 02/25/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1429925 | XXXX | XXXX | 6939560 | 758 | 03/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Provide verification of HOA for O/O property at XXXX supporting $147/month. | Received |  |  | 03/08/2022 |  | A | 1 | XXXX | AZ | 2 | 1 A | A | A |  | Non-QM | 1 |
| 1429926 | XXXX | XXXX | 6939561 | 330 | 03/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a copy of the credit report | Document in file |  |  | 03/18/2022 |  | A | 1 | XXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1429926 | XXXX | XXXX | 6939562 | 851 | 03/15/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing a copy of the lender loan approval | Received |  |  | 03/23/2022 |  | A | 1 | XXXX | CA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1430808 | XXXX | XXXX | 6944206 | 1109 | 09/01/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Third collateral evaluation is required. |  | Variance out of tolerance. Desk Review provided reflects a D grade with no value provided. | received |  |  | 10/06/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1431256 | XXXX | XXXX | 6945632 | 431 | 09/06/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | Missing verification of assets to close i/a/o $16,304.02 | received |  |  | 09/12/2022 |  | A | 1 | XXXX | FL | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 1431256 | XXXX | XXXX | 6945633 | 434 | 09/06/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Missing verification of assets for reserves | received |  |  | 09/12/2022 |  | A | 1 | XXXX | FL | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 1431261 | XXXX | XXXX | 6946015 | 271 | 09/06/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Condominium Conversion The subject property was originally an apartment building that was converted into condominiums in XXXX. | Condo conversions acceptable on case by case basis. Compensating Factors: 773 FICO, Conversion done in 1983, Typical for the area, Value is well supported, 1.140 DSCR |  |  | 10/11/2022 |  | A | 1 | XXXX | MN | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431261 | XXXX | XXXX | 6946016 | 418 | 09/06/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Provide a completed Homeowners Association (HOA) questionnaire. |  |  |  | 09/12/2022 |  | A | 1 | XXXX | MN | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431266 | XXXX | XXXX | 6945094 | 959 | 09/02/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Missing. | Information provided |  |  | 09/13/2022 |  | A | 1 | XXXX | AZ | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| 1431270 | XXXX | XXXX | 6946495 | 851 | 09/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Borrower lives rent free with parents |  | COMPENSATING FACTORS: Borrower is a seasoned investor, FICO 740 and DSCR: 1.658 |  |  |  | 09/07/2022 B | 2 | XXXX | MO | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1431271 | XXXX | XXXX | 6946472 | 374 | 09/07/2022 | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Missing co-borrower's XXXXs permanent resident alien identification. | received |  |  | 09/12/2022 |  | A | 1 | XXXX | MD | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6945080 | 108 | 09/02/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | Deed of Trust or Mortgage is missing for loan. Required for data purposes. |  |  |  | 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6945081 | 459 | 09/02/2022 | Credit | Note |  | Note - is missing - No Image of Note found in file |  | Note is missing from file. Required for data purposes. |  |  |  | 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6945082 | 120 | 09/02/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Prepayment Penalty Rider is missing. |  | Prepayment Penalty Rider must be included with Deed of Trust. Currently missing for loan. |  |  |  | 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6945093 | 959 | 09/02/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS Initial Escrow Account Disclosure Missing for loan. Beginning balance must match Final CD/Settlement Statement in file which shows the amount of $2,321.21. | Information provided |  | Reviewer 09/30/2022 09:25 AM; Please provide missing IEADS so we may compare to the final settlement statement. <br>| 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431279 | XXXX | XXXX | 6944522 | 862 | 09/01/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The notary acknowledgement section on the Deed of Trust/Mortgage was not completed or signed. Please provide updated Deed of Trust/Mortgage. | Information provided |  | Reviewer 09/13/2022 09:29 AM; Please provide a LOI to re-record fully executed DOT provided.<br>Client 09/30/2022 10:12 AM; Notary acknowledgement section on the Deed of Trust/Mortgage was completed or signed before recording. <br>Reviewer 09/30/2022 10:30 AM; Hello, <br> Def has been cleared. Thank you! <br>Reviewer 09/30/2022 11:18 AM; <br>| 09/30/2022 |  | A | 1 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431279 | XXXX | XXXX | 6948850 | 330 | 09/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower resides rent free |  | Borrower resides rent free with friend.l. .25 price adjustment 1.502 DSCR Approved 08/10/2022 by XXXX |  |  |  | 09/08/2022 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431748 | XXXX | XXXX | 6946804 | 959 | 09/07/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS is missing, please provide the initial escrow account disclosure with beginning balance matching the final settlement statement. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431748 | XXXX | XXXX | 6946805 | 592 | 09/07/2022 | Credit | Note |  | Note - Compliance \ Note - Do the all of the following items on the Note match the terms of the loan approval: Property address, Loan Type, Loan Amount, Interest Rate, Term |  | Interest rate on clear to close approval is 7.750% and the interest rate on the note is 8.250% . Please provide a clear to close approval with interest rate matching the note. | Information provided |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6946756 | 459 | 09/07/2022 | Credit | Note |  | Note - is missing - No Image of Note found in file |  |  | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6946760 | 72 | 09/07/2022 | Credit | Closing Package |  | Closing Package - |  | provide CD, settlement statement, or HUD 1 for subject property | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6946761 | 959 | 09/07/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  |  | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1432645 | XXXX | XXXX | 6949572 | 330 | 08/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan Approval is missing from this file | received |  |  | 08/09/2022 |  | A | 1 | XXXX | CA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1432647 | XXXX | XXXX | 6949573 | 350 | 07/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Max LTV for O/O properties with gift funds is 70% and loan is at 80% |  | The exception for LTV was granted with the following compensating factors: Good residual income of $8900. Long time SE of 20 years; Good collateral in an upscale area of XXXX. |  |  |  | 07/22/2022 B | 2 | XXXX | MA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432648 | XXXX | XXXX | 6949574 | 898 | 05/05/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan failed charges that can not increase more than 10% , violation for Recording fee of $23.50 with no valid COC in file. Please provide a refund check of $23.50, LOX and PCCD all required within 60 days from consummation. | Information provided |  | Client 05/18/2022 10:22 AM; Hi! Title stated that the increase in recording fees at closing was due to needing to record a Quit Claim Deed in addition to the standard closing documents. I have uploaded the QCD to the file. Thank you.<br>Reviewer 05/18/2022 10:45 AM; Tdoc Quit Claim deed will not clear the deficiency. Please provide a valid COC for the increase in recording fees or a refund will be required. Other conditions may also apply.<br>Reviewer 05/18/2022 11:01 AM; Hello, <br> I don't see a COC uploaded to the file stating that. Please upload. Thank you! <br>Client 05/18/2022 11:05 AM; Hi, there is no COC, this happened at closing. Thanks.<br>Reviewer 05/18/2022 12:04 PM; Escalation has been assigned for Further Review<br>Reviewer 05/18/2022 12:12 PM; Tyler, <br> There needs to be a COC with additional 3 day waiting period or it needed to be cured at closing. Thank you! <br>Reviewer 05/18/2022 12:12 PM; <br>Reviewer 05/18/2022 12:18 PM; Hi XXXX - Per the sales contract addendum this was known on 3/15. There is no valid chance of circumstance that supports the increase in fee on 4/29. Tolerance violation is valid and proof of $23.50 refund and PCCD is needed on this loan. Thanks XXXX <br>| 05/19/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432648 | XXXX | XXXX | 6949575 | 902 | 05/05/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 05/19/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432648 | XXXX | XXXX | 6949576 | 840 | 05/05/2022 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  |  | Information provided |  |  | 05/05/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432649 | XXXX | XXXX | 6949579 | 322 | 05/13/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Borrower has less than minimum score >600 max LTV is 75% |  | The exception was granted for 605 FICO at an 80% LTV with the following compensating factors: Credit depth of 16 years. All mortgages were paid, and a residual income of $9,260.69. |  |  |  | 05/13/2022 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432650 | XXXX | XXXX | 6949580 | 328 | 06/09/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Borrower was 1X30 and 1X60 on primary mortgage within past 12 months--outside of guidelines with the 1X60 |  | Lender approved this exception under the BB program |  |  |  | 06/09/2022 B | 2 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432650 | XXXX | XXXX | 6949581 | 998 | 06/09/2022 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Missing the title commitment | document provided |  |  | 06/10/2022 |  | A | 1 | XXXX | CA | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432651 | XXXX | XXXX | 6949582 | 898 | 06/15/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan exceeds 10% tolerance by $82.80 due to increase in Recording Fee with no valid coc. Please provide proof of $82.80 refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. | Information provided |  | Reviewer 06/17/2022 11:47 AM; COC provided does not give a valid reason for the recording fee increase on the 5/20 CD. Condition remains.<br>| 06/27/2022 |  | A | 1 | XXXX | MN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1432651 | XXXX | XXXX | 6949583 | 902 | 06/15/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 06/27/2022 |  | A | 1 | XXXX | MN | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1432653 | XXXX | XXXX | 6949594 | 9 | 06/01/2022 | Credit | Application |  | Application - is missing |  | Final Application is missing pages 2, 3, and 4. First page image is cut off, Borrower's Full Name, Marital Status, and Type of Credit is not visible. | Information provided |  |  | 06/03/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432653 | XXXX | XXXX | 6949595 | 205 | 06/01/2022 | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | Hazard Insurance Policy shows incorrect address. Address shown on HOI shows XXXX. Correct address as shown on all other docs, including appraisal and Note show XXXX. | Information provided |  |  | 06/07/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432653 | XXXX | XXXX | 6949596 | 851 | 06/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Appraisal must be from approved XXXX Min Credit score 600 for program |  | DEVIATION: Mid Score 593, Max LTV 70%, max DTI 49.99% - approved by XXXX Approval to use Non-XXXX XXXX A Approved COMPENSATING FACTORS: Borrower has been a XXXX since 2017 for same company, 25% down payment, cash to close and reserves coming from sale of primary residence Base Pricing 47.250%+.25%adder (DTI>45%) +.50% adder (FICO Exception) =Final Price 7.999% | Reviewer 06/03/2022 05:43 AM; <br>|  |  | 06/03/2022 B | 2 | XXXX | NV | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432655 | XXXX | XXXX | 6949599 | 121 | 06/13/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Prepayment Penalty Rider terms incorrect. |  | Please confirm Prepayment Penalty. There is a fully executed Prepayment Rider to the DoT in the file refers to a prepayment period. However, the terms on the Prepayment Penalty Rider are not completed. Please provide a corrected Prepayment Rider and confirm the prepayment terms. (Currently reads as If within the first BLANK MONTHS & also Prepayment charge will equal BLANK % of the amount prepaid). | Client confirms no PPP: CD reflects no and PPP Note Addendum, PPP Rider reflect blank terms. |  | Client 06/14/2022 01:44 PM; Confirming no prepayment penalty on this loan. Please clear. Thanks!<br>Reviewer 06/14/2022 02:34 PM; <br>Reviewer 06/14/2022 02:47 PM; Hello, Condition has been cleared. Thank you!<br>| 06/14/2022 |  | A | 1 | XXXX | NJ | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1432656 | XXXX | XXXX | 6949600 | 851 | 08/25/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION DSCR requires 0X30X24 Mortgage History |  | DEVIATION REQUEST 24 month housing history not being met and approved by Senior Management COMPENSATING FACTORS: 9 years of excellent credit history with no lates in the last 24 months. FICO 736. Owns additional investment properties. DSCR Inv Cash Out. Updated to 8.2 pricing Final Rate: 8.25. Base rat: 7.50 + .50% Cashout + .25 for 2-4 units. Ts to LMC of .50 for under $200,000.00 |  |  |  | 08/25/2022 B | 2 | XXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1432657 | XXXX | XXXX | 6949601 | 330 | 07/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum loan amount of $150000 |  | Excellent mortgage history, good stable employment, high residual income over 4k |  |  |  | 07/15/2022 B | 2 | XXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1432659 | XXXX | XXXX | 6949605 | 902 | 06/02/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 06/02/2022 |  | A | 1 | XXXX | ME | 2 | 1 C B A | C | A |  | Non-QM | 1 |
| 1432659 | XXXX | XXXX | 6949606 | 986 | 06/02/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Please provide E-Consent for earliest e-signature date of 05/16/22. | Information provided |  |  | 06/06/2022 |  | A | 1 | XXXX | ME | 2 | 1 C B A | C | A |  | Non-QM | 1 |
| 1432659 | XXXX | XXXX | 6949607 | 322 | 06/05/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | 12 month bank statement program requires a FICO of 680 Borrowers mid score is 668. |  | The exception for FICO score was granted with the following compensating factors: 20% Funds down, Good employment and mortgage history for the business property paid AA for 12 months. |  |  |  | 06/05/2022 B | 2 | XXXX | ME | 2 | 1 C B A | C | A |  | Non-QM | 1 |
| 1432661 | XXXX | XXXX | 6949609 | 330 | 07/26/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Expanded A 3 months reserves required. 2 month reserve exception approved by XXXX. Must be at 70% LTV and <45% DTI. Child support paid current. |  | 602 FICO w/ 7-%LTV. |  |  |  | 07/26/2022 B | 2 | XXXX | TX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1432663 | XXXX | XXXX | 6949612 | 685 | 08/17/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit |  | Vested in Borrower names are not on Title and don't match name affidavit in file or Mortgage | Information provided |  | Reviewer 08/19/2022 04:54 AM; escalated for review<br>Reviewer 08/19/2022 09:13 AM; Received Executors deed and quit claim deed. The Executors Deed has not been executed or notarized or recorded. Need a fully executed and recorded document. The Quit Claim Deed has not been recorded either. <br>Reviewer 08/19/2022 12:13 PM; escalated for review<br>| 08/23/2022 |  | A | 1 | XXXX | WI | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1432669 | XXXX | XXXX | 6949618 | 431 | 08/09/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | SOF used for wire transfer on XXXX from sav xXXXX to title of $38,460.37 | Documentation provided is sufficient. |  | Reviewer 08/12/2022 09:20 PM; The documents received did not reflect the source of the wire transfer of $XXXX on XXXX<br>Client 08/16/2022 10:52 AM; Cash to close shows borrower had sufficient assets to cover closing costs. Please clarify what additional documentation is required. <br>Reviewer 08/16/2022 12:09 PM; Documentation provided is sufficient.<br>| 08/16/2022 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432669 | XXXX | XXXX | 6949619 | 336 | 08/09/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Exception for 6 months bank-statements income for 12 month bank statement program |  | Exception granted, In file since 1975 , ASSETS AFTER CLOSE $77,246, RESIDUAL $24,651 |  |  |  | 08/09/2022 B | 2 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432669 | XXXX | XXXX | 6949620 | 322 | 08/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | Exception for score below 680 for 12 month bank statement program |  | Exception granted, In file since 1975 , ASSETS AFTER CLOSE $77,246, RESIDUAL $24,651 |  |  |  | 08/09/2022 B | 2 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432669 | XXXX | XXXX | 6949621 | 434 | 08/09/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Supply satisfactory evidence of reserves required of $10,261 | received |  |  | 08/10/2022 |  | A | 1 | XXXX | FL | 1 | 1 D B | A | A |  | Non-QM | 1 |
| 1432672 | XXXX | XXXX | 6949623 | 322 | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The FICO is below minimum of 720 |  | The exception for below minimum FICO of 720 at 656 was granted with the following compensating factors: Good credit, the borrower is not a credit abuser; Good collateral; and high residual income at $31,752.84 |  |  |  | 08/11/2022 B | 2 | XXXX | AZ | 2 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1432672 | XXXX | XXXX | 6949624 | 330 | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final approval from original images. | received |  |  | 08/11/2022 |  | A | 1 | XXXX | AZ | 2 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1432672 | XXXX | XXXX | 6949625 | 434 | 08/11/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Missing verification of full 3 months reserves, the borrower has 2.92 months. | Per XXXX UW had authority to accept 2.92 months of reserves rather than 3 months of reserves and no approval is needed. |  | Client 08/11/2022 05:57 PM; XXXX guidelines allow UW discretion in certain situations and in this situation, the UW had authority to accept 2.92 months of reserves rather than 3 months of reserves. This approval is reflected on the Cash to Close. Please clear, thanks!<br>Reviewer 08/11/2022 07:53 PM; The loan approval received was a deviation request for the FICO score and not for the lack of reserves<br>Reviewer 08/12/2022 08:24 AM; Please upload the exception approval. thank you!<br>Client 08/12/2022 04:48 PM; UW made note of Short Reserves in the loan details of the updated 031 loan summary and pricing approval. UW had authority to accept 2.92 months of reserves rather than 3 months of reserves and no approval is needed. Please clear.<br>Reviewer 08/15/2022 07:11 AM; Condition has been cleared Thank you <br>| 08/15/2022 |  | A | 1 | XXXX | AZ | 2 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1432674 | XXXX | XXXX | 6949629 | 330 | 07/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The loan is below minimum loan amount of $150,000 at XXXX. |  | The exception was granted for the loan amount below minimum with the following compensating factors: High residual income of over 3K; low payment shock, and excellent mortgage history. |  |  |  | 07/07/2022 B | 2 | XXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432674 | XXXX | XXXX | 6949630 | 336 | 07/11/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Loan is 24 month bank statement loan. Received 23 months for XXXX acct #XXXX from XXXX. Need June 2022 or June 2020 for acct. | June 1-30/2022 statement provided |  |  | 08/18/2022 |  | A | 1 | XXXX | LA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432675 | XXXX | XXXX | 6949631 | 851 | 08/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Mortgage credit history 0x30x24 |  | Borrowers primary residence mortgage is in spouses name and mortgage on investment property from 7/2021 does not report to credit bureau. Compensating factors; good fico, experienced investor, collateral in desirable commuter/renter area. |  |  |  | 08/16/2022 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432676 | XXXX | XXXX | 6949632 | 330 | 08/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Senior Management Approval required for use of Gift Funds | received |  |  | 08/12/2022 |  | A | 1 | XXXX | ME | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1432676 | XXXX | XXXX | 6949633 | 330 | 08/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject property is Rural. Exception approved |  | Exception approved for Rural property |  |  |  | 08/12/2022 B | 2 | XXXX | ME | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1432678 | XXXX | XXXX | 6949634 | 330 | 07/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower does not meet the required FICO for cash out to be used as reserves. |  | The exception was granted to use cash out for reserves with the following compensating factors: Mid-FICO is 668; 1 mortgage and 14 installments; 18 revolving accounts 2 open. 21 months excellent mortgage history on the subject property; stable prof job long term same employer and 28.45% DTI |  |  |  | 07/12/2022 B | 2 | XXXX | FL | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1432681 | XXXX | XXXX | 6949636 | 318 | 08/23/2022 | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | Supply satisfactory evidence that the two large deposits within 60 days of application date of XXXX dated 5/2 for $72,940 & on 6/9 for $47,000 require evidence that funds were transferred from XXXX where borrowers currently reside. | Both deposits are over 60 days old at the time of closing. The funds to close were seasoned for 60 days prior to closing/funding. |  | Client 08/23/2022 03:55 PM; Both deposits are over 60 days old at the time of closing which is what we went by. The funds to close were seasoned for 60 days prior to closing/funding. Thanks. <br>Reviewer 08/24/2022 01:44 PM; deficiency has been cleared. <br>| 08/24/2022 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1432684 | XXXX | XXXX | 6949641 | 851 | 08/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan amount is $XXXX. Per Guidelines, the minimum loan amount is $150,000. |  | COMPENSATING FACTORS: (1) Seasoned Investor. (2) Good Credit. (3) Strong residual income. |  |  |  | 08/02/2022 B | 2 | XXXX | IL | 3 | 1 B C |  | N/A |  | Exempt | 1 |
| 1432686 | XXXX | XXXX | 6949642 | 330 | 08/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Need 3 reference letters and mortgage history for DSCR purchase. |  | The exception for light credit was granted with the following compensating factors: DSCR over 1.00% with long term lease, low LTV with seasoned DP verified. |  |  |  | 08/02/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432687 | XXXX | XXXX | 6949643 | 851 | 08/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment shock of 3.76x exceed limit of 3x |  | Compensating factors: 6+yrs same employment/business for both bwrs, 757 FICO with 16yrs Excellent Credit, departing residence owned/occupied since 2009 with mtg paid as agreed. $420k assets verified, $201,197 reserves equal to 44mo PITI. COC 8/18/2022 based on 08/02/2022 rate sheet 08/18/2022 pricing wkst pricing: 6.875% base rate = 0.25% Deviation=7.125% Final Rate. |  |  |  | 08/26/2022 B | 2 | XXXX | OH | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432691 | XXXX | XXXX | 6949647 | 758 | 08/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |  | Negative Rent calculation is incorrect for the subject property. Per the Schedule of REO, only $1,465.34 was counted for the subject property expense, but this is only the P&L. The Taxes/Insurance/HOA were not counted. Full PITI for the subject property is $1,853.25 ($1,465.34 P&I + $233.33 Taxes + $149.17 Insurance + $5.42 HOA). | document provided |  |  | 08/03/2022 |  | A | 1 | XXXX | MO | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432695 | XXXX | XXXX | 6949658 | 272 | 08/05/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | An approval or exception is missing in file for the square footage not meeting the minimum required square footage. |  | Exception noted for seasoned investor with multiple investment properties, excellent FICO score and well paid mtg history. | Client 08/05/2022 01:34 PM; Sqft exception has already been addressed on the loan approval. Please clear, thanks! <br>Reviewer 08/05/2022 02:10 PM; deficiency cleared <br>|  |  | 08/05/2022 B | 2 | XXXX | TX | 3 | 13 A B | N/A | N/A B |  | Exempt | 1 |
| 1432695 | XXXX | XXXX | 6949659 | 330 | 08/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum loan amount $150,000. Subject loan amount XXXX |  | Exception approved for loan amount $XXXX |  |  |  | 08/08/2022 B | 2 | XXXX | TX | 3 | 13 A B | N/A | N/A B |  | Exempt | 1 |
| 1432696 | XXXX | XXXX | 6949660 | 110 | 08/01/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  | Please provide true and certified copy of DOT/MTG including legal description and letter of intent to re-record. | Information provided |  |  | 08/04/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432701 | XXXX | XXXX | 6949664 | 330 | 08/27/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of 6 months Rent Loss insurance required | processor cert validates actual loss coverage is in place |  | Reviewer 08/29/2022 04:03 PM; The document received did not include 6 months Rent Loss Coverage. <br>Client 08/30/2022 11:50 AM; Processor Cert provided shows XXXX covers rent loss. Please clear or escalate further if needed. Thanks!<br>Reviewer 08/30/2022 02:01 PM; deficiency has been cleared<br>| 08/30/2022 |  | A | 1 | XXXX | DE | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1432704 | XXXX | XXXX | 6949673 | 330 | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject is High Rise Condo- 35 Stories. Senior management approval required |  | Senior Management approval for High Rise Condo |  |  |  | 08/11/2022 B | 2 | XXXX | FL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1432711 | XXXX | XXXX | 6949683 | 897 | 08/18/2022 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Please provide CD's issued on 8/4 and 8/9. Disclosure tracking reflects CD's were sent to borrower. There are also COC with these dates. | Information provided |  |  | 08/19/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949684 | 898 | 08/18/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $255.00 due to increase in appraisal fee and addition of appraisal re-inspection fee. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing. | Information provided |  | Reviewer 08/19/2022 12:08 PM; \*\*\*update\*\*\*0% tolerance violation is not in the amount of $5 for the increase in the appraisal fee without a valid COC. COC provided does give a valid explanation for the increase in the appraisal fee. PCCD reflecting full cure along with LOX and proof of refund to the borrower is required.<br>Client 08/22/2022 11:33 AM; Reviewer follow up comment says COC gives a reason, but then also asks for a refund. Please clarify condition. <br>Reviewer 08/22/2022 12:10 PM; <br>Reviewer 08/22/2022 01:40 PM; Change of circumstance has been reviewed and it was determined the reason given does not validate the increase. O% tolerance violation for increase in appraisal fee in the amount of $5. A refund in the amount of $5 along with copy of check, PCCD, lox to the borrower as well as evidence of refund delivery is required within 60 days from consummation. <br>Reviewer 08/22/2022 01:41 PM; Good Afternoon, <br> Although the COC was provided, the reason given does not validate the increase. I've updated the def to reflect as such. Change of circumstance has been reviewed and it was determined the reason given does not validate the increase. O% tolerance violation for increase in appraisal fee in the amount of $5. A refund in the amount of $5 along with copy of check, PCCD, lox to the borrower as well as evidence of refund delivery is required within 60 da<br>| 08/23/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949685 | 902 | 08/18/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/23/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949686 | 851 | 08/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan Amount is only $XXXX. Guidelines state the minimum loan amount must be $200,000. Approved by XXXX management. |  | COMPENSATING FACTORS: (1) Self-Employed 9+ years. (2) Low Payment shock. (3) Collateral is brand-new construction. (4) Borrower payment history over 24 months is good. |  |  |  | 08/18/2022 B | 2 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1431256 | XXXX | XXXX | 6967522 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 3 D A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6965288 | 120 | 09/30/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Prepayment Penalty Rider is missing. |  | Prepayment Penalty Rider is has not been provided as referenced in section H of the Mortgage | Information provided |  |  | 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431272 | XXXX | XXXX | 6965289 | 861 | 09/30/2022 | Credit | Note |  | Note - Other: |  | Please provide the PrePayment Addendum to note which is mentioned in section 4 | Information provided |  |  | 09/30/2022 |  | A | 1 | XXXX | WI | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1431739 | XXXX | XXXX | 6949941 | 861 | 09/08/2022 | Credit | Note |  | Note - Other: |  | Guaranty Agreement signed by borrower as the LLC not as an individual. Please upload Guaranty Agreement signed by borrower individually. | Information provided |  | Reviewer 10/25/2022 10:36 AM; Guaranty Agreement sent in as a Tdoc is still signed as President of LLC and not individually. The Guaranty needs to be a personal guaranty signed by the Guarantor XXXX. <br>Reviewer 12/09/2022 02:54 PM; Need complete correct, executed copy. Doc uploaded is only 1 page and it not notarized<br>| 12/12/2022 |  | A | 1 | XXXX | NY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1431744 | XXXX | XXXX | 6951046 | 434 | 09/09/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Reserves required $3543.12 Cash from HUD to borrower $2173.00 Short reserves $1370.12 |  | Client exception form in file approved by XXXX for 3-6 month requirement per XXXX |  |  |  | 09/14/2022 B | 2 | XXXX | TN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431744 | XXXX | XXXX | 6954705 | 330 | 09/14/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception Loan amount exception-under our minimum of $75,000. |  | Compensating factors: client approval per XXXX in file |  |  |  | 09/14/2022 B | 2 | XXXX | TN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431747 | XXXX | XXXX | 6951180 | 431 | 09/11/2022 | Credit | UW Assets |  | UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing |  | missing proof of down payment, cash to close and reserves | received |  | Reviewer 09/12/2022 02:40 PM; HUD required $39,183.57 reserves required $7250.70 =$46,434.27<br>| 10/20/2022 |  | A | 1 | XXXX | PA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1431747 | XXXX | XXXX | 6950663 | 868 | 09/09/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | The loan disbursed on XXXX. The insurance policy in file indicates the coverage period began on XXXX. Please provide evidence the property had insurance coverage beginning on OR before disbursement. |  | Per Exception uploaded from Client: XXXX has reviewed and acknowledges the Insurance policy coverage began on XXXX after the loan closed and funds were disbursed. Policy is currently active and in effect until XXXX. Comp factors: 91 months reserves, 737 qualifying credit score; Primary residence owned 25 years | Reviewer 10/21/2022 09:14 AM; No documentation provided<br>Client 10/26/2022 01:15 PM; The Insurance is unable to make changes to the policy. Please advise how to cure this condition.<br>Reviewer 10/26/2022 01:25 PM; <br>Reviewer 10/26/2022 05:06 PM; Hello, We cannot clear this deficiency without evidence that the insurance coverage was active on or before the disbursement date. Thank you <br>Reviewer 11/01/2022 01:10 PM; Escalated for review<br>|  |  | 11/01/2022 B | 2 | XXXX | PA | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1431748 | XXXX | XXXX | 6950039 | 229 | 09/08/2022 | Credit | UW Approval |  | UW Approval - Signed underwriting approval not in the file: |  | Loan approval reflecting closed rate of 8.25% missing from file. The CTC Loan approval in file reflects approval rate of 7.75%; however, the loan closed at 8.25%. | Updated approval provided |  | Client 11/14/2022 12:36 PM; The uploaded CTC Loan approval reflects approval rate of 8.25%.<br>Reviewer 11/14/2022 12:40 PM; <br>Reviewer 11/14/2022 01:51 PM; Hello, <br> Credit team will address. Thanks! <br>Client 11/22/2022 09:52 AM; please review latest uploads. document with corrected rate has been posted several times. thank you<br>Reviewer 11/22/2022 11:22 AM; Condition has been cleared Thank you <br>| 11/22/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431748 | XXXX | XXXX | 6967523 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1431750 | XXXX | XXXX | 6949883 | 851 | 09/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Credit Trade lines not acceptble. At least 4 trade lines reporting for a minimum of 12 months with 2 tradelines showing activity in the last 12 months. |  | At least 4 trade lines reporting for a minimum of 12 months with 2 tradelines showing activity in the last 12 months. Current mortgage or rent history. Borrower has 1 active account reporting in the past 24 months. VOM for subject reflects borrower has paid AA since 2018. Rent free. Compensating factor: This is a request for Rent Free and Credit history Borrower has employment (over 5 years) and BFS income since 2018. Borrower had issues in 2019 due Covid, XXXX he worked at closed, current mortgage paid AA, borrower now under a union to support pay if this occurs again. 2 Borrowers Family inherited a property borrower resides in. |  |  |  | 09/08/2022 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431750 | XXXX | XXXX | 6949891 | 330 | 09/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The VOM for subject property missing from the file. The VOM in the file is for XXXX. According to the LOE and Fraud report in file, the Borrower does not own XXXX |  | received exception for no primary rental history/ Borrower lives with mother/Comp factors: Current mortgage paid AA, borrower lives with mother, borrower works with XXXX. | Reviewer 10/13/2022 02:54 PM; the 1003 reflects borrower owns free and clear the current primary property at XXXX. Provide documentation to support and add in DTI any expenses.<br>|  |  | 11/14/2022 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431750 | XXXX | XXXX | 6949892 | 392 | 09/08/2022 | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Provide current P/O for subject property reflecting no late payment accrual as VOM reflects balance of $70,000; however, CD reflects payoff of $75043.89. Required to validate VOM. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431756 | XXXX | XXXX | 6950706 | 433 | 09/09/2022 | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | File is short total funds to close. Funds to close were $12,541.12. Asset documentation was not provided in the loan images, leaving a shortage of $12,541.12. | 70% of retirement $12,107.54 and CU statement $6807.12 provided |  | Reviewer 09/15/2022 09:51 PM; The asset documents received reflect a balance of $6,807 in XXXX on 7/12/22 and an IRA of $17,296. Did not receive liquid funds for closing of $12,541<br>Client 10/10/2022 06:46 PM; All of these funds have been verified with 70% of retirement and XXXX.<br>Reviewer 10/11/2022 08:44 AM; Condition has been cleared Thank you <br>| 10/11/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1431756 | XXXX | XXXX | 6950728 | 272 | 09/09/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal was not completed by an appraiser that is state certified. Appraiser was only state license. |  | Appraisal was ordered through an XXXX, however XXXX assigned the order to someone who was only state licensed, not state certified. Prior loans were funded using the same appraiser with no issues identified. Comp Factors: 9 Years in Primary Home. Qualifying FICO 710 vs 680. DSCR 1.41 vs Guideline 0.75. |  |  |  | 09/09/2022 B | 2 | XXXX | MD | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1431758 | XXXX | XXXX | 6950221 | 330 | 09/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Last page of the Final HUD-1 Settlement Statement is missing from this file | received |  | Reviewer 09/21/2022 01:54 PM; Received pages 1 & 2. Did not receive page 3.<br>| 10/13/2022 |  | A | 1 | XXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431758 | XXXX | XXXX | 6950222 | 851 | 09/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Borrower lives rent free with in laws and pays cash for rent and utilities which can not be documented. Loan is being treated as rent free housing |  | COMPENSATING FACTORS: 709 FICO & Price Exception. Approved by XXXX 8/8/2022 |  |  |  | 09/08/2022 B | 2 | XXXX | GA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6949909 | 330 | 09/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR Score is less than 1%. |  | Borrower has owned a 2nd home in the US for over a year. FICO Score 720. |  |  |  | 09/08/2022 B | 2 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6949935 | 418 | 09/08/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Missing the HOA Condo Questionnaire for the subject property. | received |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6949936 | 1109 | 09/08/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Third collateral evaluation is required. |  | Variance out of tolerance. | LOWER VALUE OF $XXXX FROM ORIGINAL APPRAISAL. |  | Client 10/10/2022 03:07 PM; WE ARE USING LOWER VALUE OF $XXXX FROM ORIGINAL APPRAISAL. <br>Reviewer 10/10/2022 03:14 PM; deficiency is cleared<br>| 10/10/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6949940 | 374 | 09/08/2022 | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Foreign National Missing acceptable documentation, such as a passport, Visa or Employment Authorization Document (EAD), evidencing the borrower is in the US legally. |  |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6951274 | 108 | 09/12/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | File is missing the Deed of Trust, please provide. | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6951275 | 861 | 09/12/2022 | Credit | Note |  | Note - Other: |  | Please provide addendum to note reflecting PPP shown on approval. | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431761 | XXXX | XXXX | 6956428 | 957 | 09/16/2022 | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | 1st payment letter is not for this property. Please provide the Correct 1st payment letter. | Information provided |  | Client 09/27/2022 10:15 AM; The address listed on the first page is the borrowers mailing address. The property address is listed on page 2.<br>Reviewer 09/27/2022 11:25 AM; <br>Reviewer 09/27/2022 11:37 AM; Hello, The first payment letter is not for this transaction. We only have page 1 of 2 and the Principal and interest, estimated taxes, estimated hazard and total monthly payment does not match the Note for the subject property. The total payment on the First Payment Letter provided is $XXXX but the total payment for the subject transaction @XXXX Florida is $XXXX. Provide corrected First Payment Letter for the subject property t<br>Reviewer 09/27/2022 11:39 AM; The first payment letter is not for this transaction. We only have page 1 of 2 and the Principal and interest, estimated taxes, estimated hazard and total monthly payment does not match the Note and total of payments for the subject property. The total payment on the First Payment Letter provided is $XXXX but the total payment for the subject transaction @ XXXX Florida is $XXXX. Provide corrected First Payment Letter for the sub<br>Client 10/10/2022 03:34 PM; Everything was cleared but the Payment letter. Please advise. <br>Reviewer 10/10/2022 03:53 PM; <br>Reviewer 10/10/2022 04:13 PM; Hello, This has been cleared. Thank you!<br>| 10/10/2022 |  | A | 1 | XXXX | FL | 3 | 1 D B | N/A | N/A C |  | Exempt | 1 |
| 1431764 | XXXX | XXXX | 6949906 | 971 | 09/08/2022 | Credit | Compliance |  | Compliance - CD- Missing CD Signed by borrower |  | Please provide CD/Settlement Statement/HUD-1 signed by Borrowers at closing. | Information provided |  |  | 09/16/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1432683 | XXXX | XXXX | 6954748 | 107 | 08/10/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing riders. |  | Mortgage section H indicates that a Prepayment Rider is attached, but the rider is not found in file. Please provide. | Information provided |  | Client 08/12/2022 04:35 PM; No prepay, the loan is in NJ and prepay penalty is prohibited for this loan. The final cd also supports this. Please clear, thanks!<br>Reviewer 08/14/2022 06:29 PM; <br>Reviewer 08/15/2022 08:41 AM; Hello, If there is no attached Prepayment Rider we need a corrected Mortgage as the Rider section indicates an attached Rider. Please provide corrected fully executed DOT and a letter of intent to re-record. Thank you<br>Client 08/18/2022 10:02 AM; Per closing team and title, this was caught before recording. The documents that were actually recorded have been uploaded. The checkbox next to the prepay rider was removed. Thanks.<br>Reviewer 08/18/2022 11:22 AM; Hello, This has been cleared. Thank you!<br>Reviewer 08/18/2022 11:22 AM; <br>| 08/18/2022 |  | A | 1 | XXXX | NJ | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1432693 | XXXX | XXXX | 6954749 | 898 | 08/16/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $175 due to the addition of a final inspection without a COC. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing. | refund provided. |  |  |  | 08/22/2022 | B | 2 | XXXX | FL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1432693 | XXXX | XXXX | 6954750 | 902 | 08/16/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/22/2022 |  | A | 1 | XXXX | FL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1432693 | XXXX | XXXX | 6954751 | 336 | 08/18/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing CPA Letters from XXXX, verifying borrower and co-borrower's income for 2019-2022. It appears that the accountants letters in the file are only explanations of decrease in income. | received |  |  | 08/19/2022 |  | A | 1 | XXXX | FL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954865 | 110 | 08/05/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  |  | Information provided |  |  | 08/10/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954866 | 901 | 08/05/2022 | Compliance | Compliance |  | Compliance - TRID Other |  | Please provide initial CD, must be received by borrowers at least 3 business days prior to consummation | Information provided |  |  | 08/08/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954867 | 902 | 08/05/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/08/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954868 | 986 | 08/05/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Please provide E-consent for both borrower and co-borrower on or prior to 07/05/2022. | Information provided |  |  | 08/08/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954869 | 323 | 08/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for reserves. Guideline 3 months reserves required for Expanded Prime. Loan no reserves. |  | Exception approved due to compensating factors: longtime residence, borrowers not likely to move, strong employment history, job time indicated stability and a likelihood of continued income flow. |  |  |  | 08/07/2022 B | 2 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954870 | 1108 | 08/07/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide CDA report. | CDA provided |  | Client 08/08/2022 05:25 PM; Appraisal review are done and submitted in similar format for all of our loans. Please clear or escalate if needed. Thanks.<br>Reviewer 08/09/2022 07:21 AM; Condition has been cleared Thank you <br>| 08/09/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432702 | XXXX | XXXX | 6954871 | 330 | 08/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Original Lease verifying Lease with Option to Purchase |  |  |  | 08/10/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A C |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949687 | 330 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The final XXXX Loan Underwriting Analysis document is missing from the loan file. | received |  |  | 08/19/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949688 | 387 | 08/19/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Evidence of the Property Insurance in the amount of $441.00 annually ($36.75 monthly) is missing from the loan file. Per the document provided (XXXX Insurance XXXX), the insurance was $525.00 annually from XXXX. Per the Final CD, the Initial Escrow Account Disclosure Statement, and the First Payment Letter to Borrower, the insurance was $441.00. | The Loan Underwriting Analysis provided supports $525.00/yr. was used |  |  | 08/22/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949689 | 957 | 08/23/2022 | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Corrected FPL is required due to the change in hazard reserves on the PCCD. Please provide. | Information provided |  | Reviewer 08/26/2022 09:55 AM; No documentation provided<br>| 08/26/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432711 | XXXX | XXXX | 6949690 | 959 | 08/23/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS starting balance does not match the PCCD provided. Updated IEADS with a starting balance of $830 is required. | Information provided |  | Reviewer 08/26/2022 09:55 AM; No documentation provided<br>| 08/26/2022 |  | A | 1 | XXXX | VA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432713 | XXXX | XXXX | 6949697 | 330 | 08/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines dated 08/01/2022 the credit report mus support the borrower's business and /or self employment. Item #3 under employment information only reflects employer unknown. | XXXX Risk Report, CPA letter and bank statement in file support borrower's self-employment income |  |  | 08/18/2022 |  | A | 1 | XXXX | NV | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1432717 | XXXX | XXXX | 6949700 | 898 | 08/23/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $40 due to the increase in appraisal management fee. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing. | Information provided |  | Reviewer 08/29/2022 10:40 AM; No documentation provided <br>| 08/31/2022 |  | A | 1 | XXXX | RI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432717 | XXXX | XXXX | 6949701 | 899 | 08/23/2022 | Compliance | Compliance |  | Compliance - Finance Charge is Understated by more than $100 |  | Finance charge is understated by $661. Please provide proof of refund and LOX to borrower | Proof of refund has been provided |  | Client 08/26/2022 10:58 AM; Hi, please clarify what is causing the finance charge violation. Thanks.<br>Reviewer 08/26/2022 11:01 AM; <br>Reviewer 08/26/2022 11:01 AM; Good Morning, CE has been uploaded for your review. Thank you!<br>Reviewer 08/29/2022 10:40 AM; NO documentation provided<br>| 08/31/2022 |  | A | 1 | XXXX | RI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432717 | XXXX | XXXX | 6949702 | 902 | 08/23/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 08/31/2022 |  | A | 1 | XXXX | RI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432720 | XXXX | XXXX | 6966622 | 879 | 08/12/2022 | Credit | Application |  | Application - Other: |  | Both Primary and Co-borrower are missing Work Phone Numbers for Employment Information. Required for data purposes. | Information provided |  |  | 08/16/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1432721 | XXXX | XXXX | 6949707 | 336 | 08/25/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Supply evidence of $5000 check from tenant for One month rent, and one month security deposit. | received |  |  | 08/26/2022 |  | A | 1 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432721 | XXXX | XXXX | 6949708 | 336 | 08/25/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Exception for use of Lease for $2500 instead of 1007. with Lease and evidence of security deposit and one months rent. |  | Exception approved to use lease with proof of security deposit and 1st months rent $5000. Good Credit including multiple mortgage loans, Seasoned investor, Good DSCR of 1.16% |  |  |  | 08/25/2022 B | 2 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432721 | XXXX | XXXX | 6949709 | 861 | 08/30/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. Note does NOT mention prepayment but there is a signed PPP Addendum and Rider attached to the note and deed that's missing Term and Structure. | client confirms no ppp |  | Reviewer 08/30/2022 12:40 PM; client confirms no ppp<br>| 08/30/2022 |  | A | 1 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432724 | XXXX | XXXX | 6949716 | 272 | 08/26/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | CDA is missing from the loan file. (Note There is a Compliance Certificate from XXXX with order # XXXX that a desk review was ordered & completed on XXXX. However, the actual desk review report is missing.) | received |  |  | 08/29/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1432725 | XXXX | XXXX | 6949718 | 851 | 08/23/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DEVIATION REQUEST Gift funds, 85% LTV approved by XXXX with evidence 0x30x24, XXXX |  | no mtg lates, 5yr job, owns investmt property |  |  |  | 08/23/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432728 | XXXX | XXXX | 6949723 | 851 | 08/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-24 months S/E required. Deviation Request- 21 months S/E for 24 months bank statement program with documented proof worked in same field as w2 employee prior to starting own business. Compensating Factors- Mid Fico 682, 1 mtg, 5 install, 22 rev, 88% rev lim available, not a credit abuser, 25 month mortgage history paid excellent, 1.5% payment shock, $12987 residual inc for 4 persons HH. |  | Compensating Factors- Mid Fico 682, 1 mtg, 5 install, 22 rev, 88% rev lim available, not a credit abuser, 25 month mortgage history paid excellent, 1.5% payment shock, $12987 residual inc for 4 persons HH. |  |  |  | 08/08/2022 B | 2 | XXXX | VA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432730 | XXXX | XXXX | 6949728 | 72 | 08/18/2022 | Credit | Closing Package |  | Closing Package - |  | Closing disclosure issued XXXX indicates close date XXXX disbursement date of XXXX signed XXXX. Deed of trust shows executed XXXX however there are 2 Prepayment Riders one executed XXXX the other executed XXXX. Need to confirm the closing date for this transaction. | Per client: Per title and closing department, this was a RON(Remote Online Notary) signing that closed on the 12th. The prepayment rider executed on the 15th was uploaded by mistake as this one was not recorded. |  | Client 08/24/2022 11:34 AM; Per title and closing department, this was a RON signing that closed on the XXXX. The prepayment rider executed on the XXXX was uploaded by mistake as this one was not recorded. Thank you.<br>Reviewer 08/24/2022 11:47 AM; Per client: Per title and closing department, this was a RON(Remote Online Notary) signing that closed on the XXXX. The prepayment rider executed on the XXXX was uploaded by mistake as this one was not recorded.<br>Reviewer 08/24/2022 11:50 AM; <br>Reviewer 08/24/2022 11:50 AM; Hello, Condition has been cleared based on your escalation comments. Thank you!<br>| 08/24/2022 |  | A | 1 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432730 | XXXX | XXXX | 6949729 | 851 | 08/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-SFR only permitted for Foreign national program, No visa requires closing in XXXX. Deviation Request-Exception for 2 unit duplex on foreign national program. Exception for no Visa closing in personal name and not LLC. Compensating Factors- Applicant has strong credit 806, previous US mortgage history 0x30x71, good reserves after close (12 months US dollars) |  | Compensating Factors- Applicant has strong credit 806, previous US mortgage history 0x30x71, good reserves after close (12 months US dollars) |  |  |  | 08/21/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432735 | XXXX | XXXX | 6949733 | 272 | 07/28/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Property is a Hi-rise condotel. |  | The exception was granted for the Hi-rise condotel with the following compensating factors: 5 years AA mortgage history: long term jobs, upward income trend, Low DTI. |  |  |  | 07/28/2022 B | 2 | XXXX | SC | 3 | 1 A B | N/A | N/A B |  | Exempt | 1 |
| 1432739 | XXXX | XXXX | 6949736 | 121 | 08/18/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Prepayment Penalty Rider terms incorrect. |  | Prepayment Penalty Structure is missing from Note addendum and from Deed Prepayment Rider. | Per client there is no prepay on this file, this is supported by the final CD saying "No" & blank terms |  | Client 08/19/2022 04:29 PM; Hi, there is no prepay on this file, this is supported by the final CD saying "No". In Pennsylvania, PPP are not allowed on loans less than $278k. Thanks.<br>Reviewer 08/21/2022 07:06 PM; <br>Reviewer 08/22/2022 08:53 AM; Hello, Condition has been cleared. Thank you!<br>| 08/22/2022 |  | A | 1 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432739 | XXXX | XXXX | 6949737 | 851 | 08/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Investment Purchase use market rent from Appraisal |  | DEVIATION REQUEST: Sr Management approval to use new lease going into effect XXXX, with proof of security deposit + first months rent; cost 1pt to LMC COMPENSATING FACTORS: Good FICO w/71% revolving credit available and good payment history. Experienced Investor. Borrower already has property rented for Sept 1 above market rent estimated. Priced on XXXX off of XXXX Rate Sheet (COC done 8/12/2022) : 7.99% Base/FINAL. 1pt to LMC for Sr Management approval + .25 Extension = 1.25 pt TOTAL pt to LMC. 3 BPC pt to broker. Unstacked loan amount $XXXX/Stacked loan amount $XXXX. LTV: 50/82% |  |  |  | 08/21/2022 B | 2 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432743 | XXXX | XXXX | 6949741 | 110 | 08/01/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  |  | Information provided |  |  | 08/04/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432745 | XXXX | XXXX | 6966623 | 861 | 08/16/2022 | Credit | Note |  | Note - Other: |  | Cross-out and corrections on note are not initialed by borrower. |  |  | Client 08/17/2022 10:38 AM; Hi, as we have dealt with this in the past, the borrower acknowledged the corrections in the signature line by signing the documents, as well as initialing the page. This has been acceptable to clear in the past. Please escalate if needed. Thanks.<br>Reviewer 08/17/2022 11:17 AM; <br>Reviewer 08/17/2022 11:17 AM; Hello, When cross-outs are not initialed we don't know if they were made before or after the document was signed by the Borrower. That is the purpose of initialing them. Any cross-outs on a Note or other legal document need to be initialed. Thank you<br>Client 08/18/2022 03:16 PM; Regarding statement, "When cross-outs are not initialed we don't know if they were made before or after the document was signed by the Borrower," please explain how the presence of initials would tell you when the cross-out was made." In addition, last time on file #XXXX, our general counsel stated "No need to initial as borrower signed right next to the correction and initialed bottom of the page." This was deemed sufficient to clear in that circumstance. Thanks.<br>Reviewer 08/18/2022 03:25 PM; Hello, The presence of initials would tell you that the cross-out was there when the borrower signed. The initials indicate they acknowledge that crossed out item. If the cross-out was after they signed they couldn't initial it. They signed but not next to the cross-out. They signed the signature line. Thank you. Since it is just the title under the signature line if you want me to make an exception I can but it is not initialed as it should be. Thank you<br>Client 08/18/2022 04:11 PM; Hi, this one is not about the signer's title but about an obvious typo in the LLC name, which we think is also insignificant, and we would request an exception be made. Thanks, really appreciate your help.<br>Reviewer 08/18/2022 04:39 PM; Hello, Agreed. I misspoke and said title but you are right it's a typo in the LLC name. Condition has been cleared. Thank you!<br>Reviewer 08/18/2022 04:39 PM; <br>Reviewer 08/18/2022 04:39 PM; <br>| 08/18/2022 |  | A | 1 | XXXX | NV | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1432750 | XXXX | XXXX | 6949744 | 851 | 08/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower has 1X30X12 on mortgage which exceeds guideline of 0X30X12 for cash out loan products |  | Compensating factors: Low risk, 65% LTV, DSCR 1%, Experienced investor, owning multiple investment properties, good collateral, well maintained. Pricing: (July 6th Investor Cash Flow rate sheet) 7.625 (base rate) + .25 (c/o) + .24 (2-4 unit) + .25 (I/O) + .25 (FICO Exception) -1.00 (rate buy down) = 7.625%. 2 Pts to LMC for rate buy down. 1.5 pts to broker. Unstacked/Stacked. Loan amt: $XXXX/$XXXX. LV-65%/66.950%. |  |  |  | 08/16/2022 B | 2 | XXXX | MA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1432756 | XXXX | XXXX | 6949751 | 272 | 08/19/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The property has occupancy deed restrictions. |  | The exception for property restrictions was granted with the following compensating factors: Deposits have upward trajectory; nice new property; Long time homeownership with AA credit. |  |  |  | 08/19/2022 B | 2 | XXXX | CA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1432758 | XXXX | XXXX | 6949752 | 851 | 08/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Cash out may be used for reserves with LTV < 70% and a min score of 700. Borrower has 709 score, LTV is 76.875 |  | Compensating factors; residual income $3651, owned property 15 years, 10 months reserves |  |  |  | 08/22/2022 B | 2 | XXXX | NC | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1432761 | XXXX | XXXX | 6949754 | 1006 | 08/15/2022 | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Property is Rural zoned agriculture with 10.16 acres. Missing senior management approval. | received |  |  | 08/19/2022 |  | A | 1 | XXXX | WI | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1432764 | XXXX | XXXX | 6949756 | 851 | 08/15/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines state that gift funds, regardless of donor, require Sr. Management Approval. Gift funds from the spouse on contract. Sr. Management did approve using funds from the spouse's XXXX account that originated from his European bank asset in the name of his XXXX in XXXX. |  | COMPENSATING FACTORS: (1) FICO of 781. (2) Zero mortgages, 2 installments, 12 revolving. 90% credit available. Not a credit abuser. (3) Excellent credit with no derogs. (4) 1.3% payment shock. (5) Reserves after closing of over $98k. |  |  |  | 08/15/2022 B | 2 | XXXX | FL | 3 | 1 B C |  | N/A |  | Exempt | 1 |
| 1432764 | XXXX | XXXX | 6949757 | 399 | 08/15/2022 | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | Gift Letter is missing from the loan file. A signed gift letter from the spouse (XXXX) is needed to use the $XXXX funds in his XXXX #XXXX account that is solely in his name. | Per guidelines, Gift funds from a spouse can be used at underwriter discretion without a gift letter if the funds are sourced Funds supported with XXXX, |  | Client 08/15/2022 04:01 PM; Per guidelines, Gift funds from a spouse can be used at underwriter discretion without a gift letter; however, must source funds from spouse. Funds sourced from XXXX, uploaded as Source of large deposit- XXXX bank stmts and info.pdf. Please clear, or escalate further if needed. Thanks. <br>Reviewer 08/15/2022 05:50 PM; Condition has been cleared Thank you <br>| 08/15/2022 |  | A | 1 | XXXX | FL | 3 | 1 B C |  | N/A |  | Exempt | 1 |
| 1432768 | XXXX | XXXX | 6949761 | 321 | 08/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Exception for Co borrower less than three open tradelines. |  | Exception granted: Excellent collateral, Seasoned investors, good cash down payment |  |  |  | 08/11/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432771 | XXXX | XXXX | 6949763 | 110 | 08/18/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  | Please provide true and certified copy of DOT/MTG including legal description and letter of intent to re-record. | Information provided |  |  | 08/19/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432772 | XXXX | XXXX | 6966627 | 101 | 08/10/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | County does not matches legal description | Information provided |  |  | 08/22/2022 |  | A | 1 | XXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432773 | XXXX | XXXX | 6949766 | 437 | 08/10/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | \*VVOE needed for Borrower XXXX from employer Partners in Performance | VVOE dated 8/17/2022 Borrower Active |  | Reviewer 08/10/2022 12:22 PM; Documents received did not include VVOE for Partners In Performance for XXXX<br>| 08/17/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1432773 | XXXX | XXXX | 6949767 | 861 | 08/11/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. There are 2 PPP Addendums attached to the note, structure reflects 5% or 6-month interest. | Per Client, Correct PPP is the one with 6 month Interest |  | Client 08/11/2022 04:42 PM; Correct PPP is the one with 6 month Interest. Please clear, thanks!<br>Reviewer 08/12/2022 08:20 AM; <br>Reviewer 08/12/2022 08:41 AM; Good Morning! Condition has been cleared. Thank you <br>| 08/12/2022 |  | A | 1 | XXXX | FL | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1432776 | XXXX | XXXX | 6949773 | 851 | 08/17/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES 3MO RESERVES DEVIATION REQUEST ALLOW RESERVE SHORTAGE OF APPROX $600 WHICH IS LESS THAN 1MO PITI OF 4201. |  | COMPENSATING FACTORS: Strong employment history that indicates stability and a likelihood of continued income flow, Good credit, not a credit abuser, Excellent credit, minor derog on credit bureau. Pricing: 7.50% Fixed + .25 (12 month bk st's) = 7.75%. Used Broker Credit report dated 06/28/2022, Mid Score of 707 to price the loan. |  |  |  | 08/17/2022 B | 2 | XXXX | OR | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432777 | XXXX | XXXX | 6949774 | 986 | 08/15/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Please provide accepted E consent dated 7/18 or earlier for XXXX. | Information provided |  |  | 08/16/2022 |  | A | 1 | XXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432777 | XXXX | XXXX | 6949775 | 851 | 08/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES MAX pmt shock cannot exceed 3X DEVIATION REQUEST XXXX SR Management has approved the payment shok of 7.6689163% with pricing loan is currently priced |  | COMPENSATING FACTORS: Mid FICO score 741 Coborrower 719. All mortgages paid as agreed, Good residual income for a family of 5, 4918.51 |  |  |  | 08/16/2022 B | 2 | XXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432777 | XXXX | XXXX | 6949776 | 330 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Sr. Management approval required for subject being a rural property. | received |  |  | 08/19/2022 |  | A | 1 | XXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432777 | XXXX | XXXX | 6949777 | 330 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing form 4506C(T). XXXX Sr Mgt has approved to trail for transcripts. | received |  |  | 08/19/2022 |  | A | 1 | XXXX | OR | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1432779 | XXXX | XXXX | 6949781 | 666 | 08/10/2022 | Compliance | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  |  | Information provided |  |  | 08/11/2022 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1432780 | XXXX | XXXX | 6949782 | 330 | 08/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Max cash-out $350k at 75% LTV. Allow for cash out over $350k |  | Experienced homeowner (current and investment), strong mtg pay history (11yrs) Good job time (11yrs) nice collateral, strong residual income ($48k) |  |  |  | 08/09/2022 B | 2 | XXXX | OR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1432780 | XXXX | XXXX | 6949783 | 861 | 08/11/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. There is a fully executed Prepayment Addendum to the Note in the file refers to a prepayment period. However, the terms on the Prepayment Penalty Addendum are not completed. Please provide corrected Note and/or Prepayment Addendum and confirm the prepayment terms. (Currently reads as If within the first BLANK MONTHS & also Prepayment charge will equal BLANK % of the amount prepaid). | Client confirmed no PPP on this loan |  | Client 08/11/2022 05:58 PM; Confirming no PPP on this loan. Please clear, thanks!<br>Reviewer 08/11/2022 07:46 PM; <br>Reviewer 08/12/2022 08:45 AM; Hello, this has been cleared. Thank you!<br>| 08/12/2022 |  | A | 1 | XXXX | OR | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1432781 | XXXX | XXXX | 6949784 | 851 | 08/09/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR > .75 but < 1.00 (actual DSCR = 0.7594). Minimum DSCR required is 1.00. |  | COMPENSATING FACTORS: (1) 72% LTV. (2) $122,920 cash down. (3) $117,572.82 cash reserves after closing, 45.78 months. |  |  |  | 08/09/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432784 | XXXX | XXXX | 6949785 | 330 | 08/30/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum of 2 years Self-Employed |  | Less than 2 years self-Employed apprved by Senior Operations Manager XXXX. |  |  |  | 08/30/2022 B | 2 | XXXX | TX | 1 | 1 A B | A | A |  | Non-QM | 1 |
| 1432793 | XXXX | XXXX | 6949793 | 851 | 08/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Min loan size is $150k per guidelines, subject loan is $XXXX |  | Compensating factors; 25 years s/e, good reserves, experienced property manager |  |  |  | 08/21/2022 B | 2 | XXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432797 | XXXX | XXXX | 6949795 | 186 | 08/17/2022 | Credit | Flood Certificate |  | Flood Certificate - Certificate is not "Life of Loan " |  |  | Information provided |  |  | 08/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1432797 | XXXX | XXXX | 6949796 | 336 | 08/19/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Guidelines dated 08/01/2022 requires form 4506C(T). | received |  |  | 08/19/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1432800 | XXXX | XXXX | 6949800 | 272 | 08/31/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | guidelines state minimum sq ft of 600, condo is XXXX provide senior management approval |  |  |  |  |  | 09/07/2022 B | 2 | XXXX | SC | 3 | 1 A B | N/A | N/A B |  | Exempt | 1 |
| 1432801 | XXXX | XXXX | 6949801 | 330 | 08/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower is a permanent resident alien under the Foreign National Program. |  | The exception for the borrower having permanent resident alien status under the Foreign National Program was granted with the following compensating factors: The borrower is an experienced homeowner, (primary for 10 years); Long time job (5 years); Nice collateral, 67% funds down. |  |  |  | 08/04/2022 B | 2 | XXXX | GA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1432801 | XXXX | XXXX | 6949802 | 321 | 08/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Insufficient tradelines. |  | The exception for the borrower having insufficient tradelines under the Foreign National Program was granted with the following compensating factors: The borrower is an experienced homeowner, (primary for 10 years); Long time job (5 years); Nice collateral, 67% funds down. |  |  |  | 08/04/2022 B | 2 | XXXX | GA | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1432802 | XXXX | XXXX | 6949803 | 851 | 08/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Current housing payment history required. Minimum loan amount is $150k. Deviation Request- Borrower currently living rent free however has a strong prior mortgage history. Compensating Factors- Strong residual of $10697.00, low DTI, not a credit abuser, strong reserves in retirement account of over $100k. |  | Compensating Factors- Strong residual of $10697.00, low DTI, not a credit abuser, strong reserves in retirement account of over $100k. |  |  |  | 08/22/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432804 | XXXX | XXXX | 6949804 | 851 | 08/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | guidelines require 2 years self-employment, borrower is self employed less than 2 years |  | Borrower self employed 1 yr and 7 months. Compensating factors; excellent credit excellent collateral. |  |  |  | 08/18/2022 B | 2 | XXXX | AR | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432805 | XXXX | XXXX | 6949805 | 322 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | FICO of 604 does not meet the guideline of 640 for 24 month bank statement income |  | Deviation Request 24-month bank stmts on 604 score Compensating Factors In file since 2004, Assets after close = 97,972. residual= 10963, 17 yrs. current residence 15-year self-employed, 22-years same line of work | Client 08/18/2022 01:53 PM; Deviation already reflected on loan approval. Please clear, thanks.<br>Client 08/18/2022 01:56 PM; Deviation already reflected on loan approval. Please clear, thanks.<br>Reviewer 08/18/2022 02:27 PM; Condition has been reviewed Thank you <br>Reviewer 08/18/2022 02:28 PM; Condition has been reviewed Thank you <br>|  |  | 08/18/2022 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432806 | XXXX | XXXX | 6949806 | 330 | 08/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Fair Rental Income Protection on the hazard policy does not reflect the coverage amount. Need the amount of coverage for the Fair Rental Income Protection. | document provided |  | Reviewer 08/18/2022 07:00 PM; Received an email from processor. The "Loss of Rents" coverage amount must be reflected on the policy<br>Client 08/19/2022 10:33 AM; Please escalate, processor cert has been deemed sufficient to clear this finding several times in the past. Thanks.<br>Reviewer 08/19/2022 01:07 PM; deficiency cleared <br>| 08/19/2022 |  | A | 1 | XXXX | IL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432806 | XXXX | XXXX | 6949807 | 851 | 08/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION 24-month housing payment history required |  | Mortgage History for 14 months prior history living rent free exception approved by LMC senior management. Compensating Factors: Strong savings history with good reserves of over $79,000, excellent credit with no major credit events or derogatory and excellent mortgage history. Not a credit abuser. | Client 08/18/2022 02:42 PM; Senior management approval already reflected on loan approval. Please clear, thanks. <br>Reviewer 08/18/2022 02:55 PM; Condition has been reviewed Thank you <br>|  |  | 08/18/2022 B | 2 | XXXX | IL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432807 | XXXX | XXXX | 6949809 | 330 | 08/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR is less than 1.00 |  | The exception was granted for less than a 1.00 DSCR with the following compensating factors: Good credit with 744 FICO, owned primary 14+ years; Good payment history mortgage is 0x30x24. |  |  |  | 08/25/2022 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432808 | XXXX | XXXX | 6949810 | 330 | 08/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*First page of Loan Approval is missing from this file | Loan approval provided |  | Client 08/15/2022 04:50 PM; Loan approval uploaded to loan file a few days ago. Please review and clear. Thanks.<br>Reviewer 08/16/2022 07:21 AM; Condition has been cleared Thank you <br>| 08/16/2022 |  | A | 1 | XXXX | SC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1432808 | XXXX | XXXX | 6949811 | 330 | 08/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Interest rate on 2nd page of Loan Approval reflects 7.625% when it should reflect per Note 7.875 |  |  |  | 08/12/2022 |  | A | 1 | XXXX | SC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1432808 | XXXX | XXXX | 6949812 | 330 | 08/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Hazard Insurance reflects Rental Loss is included but does not state how much coverage is included in the policy. Rent Loss Insurance Amount is required. | HOI Declaration Fair Rental Loss included |  | Reviewer 08/12/2022 08:30 PM; The document received did not reflect the rent loss amount on the Dec page. An email is not sufficient to clear this condition.<br>| 08/16/2022 |  | A | 1 | XXXX | SC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1432810 | XXXX | XXXX | 6949814 | 898 | 08/18/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $653.82. Due to addition in origination fee. Change did not occur within 3 days. COC reflect July 15 was the pricing change. Initial LE was issued on 7/25. Loan origination fee was added on 7/27. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing | Information provided |  | Reviewer 08/19/2022 12:08 PM; COC provided was already provided and reviewed to be invalid. COC reflects July 15 was the pricing change. Initial LE was issued on 7/25. Loan origination fee was added on 7/27. Condition remains for refund. <br>Client 08/19/2022 03:01 PM; Hi, please refer to rate sheets and guidelines. Origination fees of .50 points are standard on all loans less than $200k as of the updated pricing that was used for this COC. Please escalate if needed or clear. Thanks.<br>Reviewer 08/19/2022 03:03 PM; Escalation has been assigned for Further Review<br>Reviewer 08/19/2022 03:13 PM; <br>Reviewer 08/19/2022 03:30 PM; Hi XXXX <br> The application date on this loan is XXXX which is after the 7/15 "updated pricing". This should have been disclosed on the 7/25 initial LE. I agree with the findings that there is not a valid COC for the addition of this fee. <br>Thanks <br> XXXX<br>Client 08/19/2022 04:05 PM; Hi, the expanded rate sheets identify that a .500 origination fee is required for all loans less than $200k. This loan was less than $200k so it was added to the file. Thank you.<br>Reviewer 08/21/2022 07:06 PM; <br>Reviewer 08/22/2022 05:57 AM; Approval sheet provided is again dated 7/15. The origination fee was added on 7/27 LE so any COC's or rate sheets dated 7/15 do not apply to this 7/27 LE. Condition remains.<br>Reviewer 08/22/2022 08:46 AM; Good Morning, The loan amount has always been less than $200k so it is not clear why the increase was added on 7/27 vs. 7/25. It should have been disclosed on 7/25. Thank you<br>| 08/23/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432810 | XXXX | XXXX | 6949815 | 902 | 08/18/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 08/23/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432810 | XXXX | XXXX | 6949816 | 439 | 08/24/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing W2s |  | Missing 2020 W2 for XXXX. Document provided indicates This form can not be used for filing of W2's for tax purposes. | received transcripts |  |  | 08/24/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432810 | XXXX | XXXX | 6949817 | 336 | 08/24/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing form 4506 for borrower. | The 2020 & 2021 transcripts provided |  | Client 08/24/2022 04:55 PM; HI, transcripts uploaded to clear. Thanks.<br>Reviewer 08/25/2022 08:26 AM; Condition has been cleared Thank you <br>Client 08/25/2022 10:07 AM; Hi, could you please clear this finding? Still showing up as not clear. Thanks!<br>Reviewer 08/25/2022 10:31 AM; Not sure why it didn't clear before; however, it is cleared now. Thank you <br>| 08/25/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1432813 | XXXX | XXXX | 6949820 | 357 | 08/27/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Rate term Refi cash out cannot exceed 2% of new mortgage $2057.94 CD provided dated 8/15 exceeded with $2535.21 |  |  | Reviewer 09/06/2022 07:05 PM; The document received did not reflect any deviation request specific to the amount of cash out exceeding 2% of new mortgage.<br>| 09/07/2022 |  | A | 1 | XXXX | AZ | 3 | 3 A | N/A | N/A |  | Exempt | 1 |
| 1432815 | XXXX | XXXX | 6949822 | 72 | 08/25/2022 | Credit | Closing Package |  | Closing Package - |  | The Prepayment Penalty Addendum did not reflect the term or rate of interest to be paid. Please provide complete Prepayment Penalty Addendum. | Client confirms no PPP on this loan |  | Client 08/29/2022 05:16 PM; Confirming no PPP on this loan. Please clear. <br>Reviewer 08/29/2022 07:35 PM; <br>Reviewer 08/30/2022 09:07 AM; Client confirms no PPP on this loan<br>Reviewer 08/30/2022 09:07 AM; Hello, Condition has been cleared. Thank you <br>| 08/30/2022 |  | A | 1 | XXXX | NJ | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1432819 | XXXX | XXXX | 6949825 | 445 | 08/18/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | Missing form 4056C(T). | received |  | Reviewer 08/18/2022 10:41 AM; Correction: 4506C(T). <br>| 08/18/2022 |  | A | 1 | XXXX | TX | 3 | 1 A D |  | N/A |  | Exempt | 1 |
| 1432820 | XXXX | XXXX | 6949828 | 201 | 08/24/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Missing please provide HO6 coverage is required if the Blanket HOA Master Policy does not provide "Walls In" coverage. (HO6 policy is the borrower's separate, individual insurance policy covering contents/improvements.) |  |  | Reviewer 08/25/2022 06:11 AM; Rec'd email stating Condo Ins is 'XXXX". Please provide an updated ACORD stating "XXXX".<br>| 08/25/2022 |  | A | 1 | XXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432820 | XXXX | XXXX | 6949829 | 851 | 08/24/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | First time homebuyer with no housing history |  | Compensating factors: Borrower has a FICO of 796 with no derogatory, Borrower has good assets, Good job time of 9 years. Note rate 6.75%, Qual rate 6.75% XXXX. |  |  |  | 08/24/2022 B | 2 | XXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432820 | XXXX | XXXX | 6949830 | 1108 | 08/24/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing the second collateral evaluation | Received |  |  | 08/24/2022 |  | A | 1 | XXXX | UT | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1432823 | XXXX | XXXX | 6949834 | 851 | 08/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- For Super-Prime/Alt A, 680 minimum FICO, 70% max LTV Deviation Request-FICO score is 686 with an 80% LTV Compensating Factors- In file since 2001, assets after close $34955.12, residual $8851.42. |  | Compensating Factors- In file since 2001, assets after close $34955.12, residual $8851.42. |  |  |  | 08/19/2022 B | 2 | XXXX | NV | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1432826 | XXXX | XXXX | 6949837 | 336 | 08/25/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Borrower has expired Employment Authorization. |  | The exception for expired employment authorization was granted with the following compensating factors: Stron employment, job time indicates stability, good credit not a credit abuser, and high cash reserves level. |  |  |  | 08/25/2022 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432830 | XXXX | XXXX | 6949839 | 330 | 09/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Guideline, Maximum payment shock when the DTI is less than 40%. Payment shock is 3.35%. XXXX Sr. Mgt has approved the payment sshock > than 3% |  | Mid FICO Borrower 669, 25.333% DTI, Credit depth of 33 years. All Mortgages paid as agreed. High residual income of $42,184.70 per month. Pricing 5.750% Fixed 2.00% stacked. |  |  |  | 09/07/2022 B | 2 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432830 | XXXX | XXXX | 6949840 | 330 | 09/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | UW Credit UW - Credit Other COMMENT Per guidelines dated 07/01/2022 XXXX will consider some rural properties but all rquire senior management approval | Information provided |  | Reviewer 09/07/2022 04:01 PM; The document received did not include the management approval for the rural property exception.<br>| 09/08/2022 |  | A | 1 | XXXX | ID | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1432831 | XXXX | XXXX | 6949842 | 336 | 09/01/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | First time homebuyer 2nd home purchase with foreign income using Exp AA program ,using a hybrid income. |  | The exception was granted for income deviations with the following compensating factors: Mid FICO 756; FTHB; 0 mortgages, o installments, 4 revolving, 95% revolving limit available, not a credit abuser; excellent pay histories; reserves at $28915.51. |  |  |  | 09/01/2022 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1432831 | XXXX | XXXX | 6949843 | 330 | 09/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | No available housing history. First time homebuyer requires 24 months. |  | The exception was granted for lack of housing history with the following compensating factors: Mid FICO 756; FTHB; 0 mortgages, o installments, 4 revolving, 95% revolving limit available, not a credit abuser; excellent pay histories; reserves at $28915.51. |  |  |  | 09/01/2022 B | 2 | XXXX | FL | 2 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1432833 | XXXX | XXXX | 6949844 | 986 | 08/24/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Earliest e-signature on file dated 7/27, e-consent on file dated 8/11. Please provide e-consent signed by borrower and dated prior to earliest e-signature on file. | Information provided |  |  | 08/25/2022 |  | A | 1 | XXXX | WA | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1432836 | XXXX | XXXX | 6949845 | 330 | 08/23/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of 6 months of PITIA coverage of rent loss insurance of $11,750 while $10,000 was provided. |  |  |  |  |  | 08/31/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432836 | XXXX | XXXX | 6949846 | 320 | 08/23/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | satisfactory evidence borrower is owner of Corporate business account that was used for purchase of subject. | received |  |  | 08/30/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1432837 | XXXX | XXXX | 6949847 | 272 | 08/17/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal not from approved XXXX and is not in LMC name |  | compensating factors; Seasoned home owner, fico score 709, mtg and consumer credit 0x30x24 |  |  |  | 08/17/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A B |  | Exempt | 1 |
| 1432841 | XXXX | XXXX | 6949854 | 272 | 08/30/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Senior management approval required for Non LMC XXXX appraisal in brokers name. | received |  |  | 08/30/2022 |  | A | 1 | XXXX | TX | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1432841 | XXXX | XXXX | 6949855 | 1006 | 08/30/2022 | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | provide updated underwriter approval referencing Senior management approval for non LMC XXXX | received |  |  | 08/30/2022 |  | A | 1 | XXXX | TX | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1432846 | XXXX | XXXX | 6949860 | 110 | 08/23/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  |  | Information provided |  |  | 08/24/2022 |  | A | 1 | XXXX | SC | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1432846 | XXXX | XXXX | 6949861 | 272 | 08/23/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Subject square footage of XXXX does not meet guideline of minimum square footage of 600 |  | Client approved the square footage |  |  |  | 08/23/2022 B | 2 | XXXX | SC | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1432858 | XXXX | XXXX | 6949874 | 350 | 08/28/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | Over max LTV for a purchase with a bridge loan. |  | The exception was granted for 80% LTV on a purchase with a bridge loan, with the following compensating factors: 3 years in current residence; Upward income trajectory and Nice property. |  |  |  | 08/28/2022 B | 2 | XXXX | ID | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1432858 | XXXX | XXXX | 6949875 | 272 | 08/28/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Property is rural. |  | The approval was granted for rural property with the following compensating factors:3 years in current residence; Upward income trajectory, and Nice property. |  |  |  | 08/28/2022 B | 2 | XXXX | ID | 1 | 1 C B | A | A C B |  | Non-QM | 1 |
| 1434300 | XXXX | XXXX | 6956871 | 330 | 09/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | LTV exceeds guideline of 75% when the borrower is an inexperienced investor. |  | The exception for an 80% LTV for an inexperienced investor was granted with the following compensating factors: The borrower has owned a primary residence for 24 months; Owns one investment property for 6 months; Has a 1.02 DSCR and 78 months reserves. |  |  |  | 09/17/2022 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1434301 | XXXX | XXXX | 6956284 | 418 | 09/16/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Condo Questionnaire and/or Condo Warranty or Cert is missing from the loan file. (XXXX) |  |  |  | 10/14/2022 |  | A | 1 | XXXX | TX | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1434301 | XXXX | XXXX | 6956285 | 340 | 09/16/2022 | Credit | UW Other |  | UW Other - UW - Insurance Missing (MI or Project) |  | Condo Master Insurance Policy is missing from the loan file (XXXX) |  |  |  | 10/14/2022 |  | A | 1 | XXXX | TX | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1434304 | XXXX | XXXX | 6959134 | 330 | 09/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | First Time Investor per guidelines allows a Max LTV of 75%. LTV is 77.25% | received |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1434304 | XXXX | XXXX | 6959172 | 330 | 09/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Insurance Policy does not reflect Rental Loss Insurance. | received |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1434307 | XXXX | XXXX | 6956695 | 330 | 09/16/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The DSCR is less than required 1.00 loan is at .90 | received |  |  | 10/12/2022 |  | A | 1 | XXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1434309 | XXXX | XXXX | 6959240 | 330 | 09/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR score less than 1.00 requires management exception. DSCR score 0.94. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | AZ | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1434309 | XXXX | XXXX | 6959242 | 330 | 09/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per XXXX rate sheet dated 08/24/2022 Max LTV for purchase of 2-4 units (subject is 3 units) is 75%. Loan is 82.40% LTV. | Archived rate sheet prior to 8/15/22 allows 80% |  |  | 10/12/2022 |  | A | 1 | XXXX | AZ | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1434310 | XXXX | XXXX | 6956887 | 851 | 09/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Rent free living exception with 0.125% hit to the rate |  | EXCEPTION REQUEST Borrower lives with parents. Please approve this exception COMPENSATING FACTORS Reserves: 39,000.00 FICO: 710 Existing mortgage at 12.0% Approved:08/16/2022 |  |  |  | 09/18/2022 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1437534 | XXXX | XXXX | 6966154 | 72 | 10/03/2022 | Credit | Closing Package |  | Closing Package - |  | Property rights are Leasehold, a copy of the lease agreement must be in the file | Information provided |  | Reviewer 10/12/2022 10:06 AM; Property is in a Leasehold, meaning you do not own the land the house is sitting on. Please provide a copy of the Leasehold agreement<br>| 11/01/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1437534 | XXXX | XXXX | 6966155 | 72 | 10/03/2022 | Credit | Closing Package |  | Closing Package - |  | Leasehold Estates Required Documents Ground/lease rents, other payments or assessments must be paid current. Provide updated title to confirm payments are current. Doc in file states that confirmation of status is required. | Loan is in XXXX. confirmation that it has not been registered has been provided from the title company. Per MD law if ground lease is not registered: the ground lease holder may not: collect any ground rent payments due under the ground lease, bring a civil action against the leasehold tenant to enforce any rights the round lease holder may have under the ground lease; or bring an action against the leasehold tenant under the ground rent laws. |  | Reviewer 10/12/2022 10:06 AM; No documentation provided<br>Reviewer 11/01/2022 11:00 AM; Documentation that the ground rents are current have not been provided. Per Title commitment, rents of $27 are due on February and August (twice yearly).<br>Reviewer 11/10/2022 10:51 AM; On title commitment uploaded , Section B #14 and #15 reflect that it is Subject to the annual ground rents of $27 payable on August 1 and February 1. But it does not state of the ground rents are current. Please provide documentation that the ground rents are current. <br>Client 12/05/2022 05:34 PM; Per title, "The ground rent holder is not registered therefore we have no information as to who would collect and provide information regarding the payments. At the point someone in a transaction requires the ground rent to be redeemed taking it to fee simple, since its not registered, SDAT offers a solution which is about a 5-6 month process and in the end the redemption amount is paid. But there is no way to know what was or was not paid prior. A lien cannot be f<br>Reviewer 12/05/2022 09:10 PM; <br>Reviewer 12/05/2022 09:10 PM; Hello, This has been cleared due to the fact that they have not registered. Thank you!<br>| 12/05/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1437534 | XXXX | XXXX | 6969279 | 851 | 10/05/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES Minimum DSCR 1.0% EXCEPTION REQUEST DSCR .95 |  | COMPENSATING FACTORS: Reserves 56k,, FICO 732 approved |  |  |  | 10/05/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1437536 | XXXX | XXXX | 6966240 | 219 | 10/03/2022 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Executed copy of settlement statement is missing; please upload. |  |  | Reviewer 10/17/2022 10:48 AM; Settlement statement provided has not been signed by the borrower and escrow officer<br>| 10/19/2022 |  | A | 1 | XXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1437536 | XXXX | XXXX | 6971460 | 324 | 10/10/2022 | Credit | UW Credit |  | UW Credit - UW - Debt Calculations Incorrect |  | DSCR is .89%; however, per AHL Retail Rate Sheet DSCR <1.00 requires a management Exception | Received/Archived guidelines allow |  | Reviewer 10/13/2022 03:23 PM; The lock expiration on the loan approval is 9/9/22 and the closing date is XXXX. Provide documentation the guidelines prior to 8/15/22 locks apply to this loan<br>| 10/14/2022 |  | A | 1 | XXXX | NY | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1437537 | XXXX | XXXX | 6965661 | 962 | 09/30/2022 | Credit | Appraisal |  | Appraisal - FEMA Disaster |  | Disaster Cert required | Information provided |  |  | 10/12/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1437537 | XXXX | XXXX | 6966852 | 323 | 10/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Debt Service Coverage Ratio of 0.954 was less than the guideline minimum requirement of 1.0. Senior Management Approval required. | received |  |  | 10/12/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1437538 | XXXX | XXXX | 6966063 | 861 | 10/03/2022 | Credit | Note |  | Note - Other: |  | Maturity date is not correct | Information provided |  | Reviewer 10/17/2022 10:58 AM; Note reflects a maturity date of XXXX. This is not 30 years from the first payment date of XXXX<br>| 10/31/2022 |  | A | 1 | XXXX | KY | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1437538 | XXXX | XXXX | 6977521 | 114 | 10/17/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Maturity date does not matches term |  | Maturity date on DOT is XXXX. First payment date is XXXX. This is not 30 years from the first payment date. Please provide a corrected DOT and a LOI to re-record. | Information provided |  |  | 12/08/2022 |  | A | 1 | XXXX | KY | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1437539 | XXXX | XXXX | 6966746 | 323 | 10/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Debt Service Coverage Ratio of 0.89% does not meet the guideline minimum requirement of 1.0%. Senior Management Approval was not provided in the loan file. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | NC | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1437544 | XXXX | XXXX | 6967102 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/11/2022 |  | A | 1 | XXXX | FL | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1437545 | XXXX | XXXX | 6966531 | 387 | 10/03/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Missing the hazard insurance policy | received |  | Reviewer 10/13/2022 03:10 PM; <br>| 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1437546 | XXXX | XXXX | 6967168 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/12/2022 |  | A | 1 | XXXX | FL | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1437547 | XXXX | XXXX | 6966216 | 351 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DSCR of 0.89x does not meet minimum guideline of 1.00x | received/Archived guidelines allow |  |  | 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1437549 | XXXX | XXXX | 6966333 | 323 | 10/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Debt Service Coverage Ratio of 0.945% does not meet the minimum requirement of 1.0. |  | An exception was granted with the following compensating factors: Reserves of $595,000 exceed guideline minimum of 6 months ($28,357.62). No mortgage late payments within the last 24 months. Experienced Investor. Multiple Business Owner. |  |  |  | 10/03/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1437549 | XXXX | XXXX | 6966334 | 387 | 10/03/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Liability Coverage of $100,000 does not meet the minimum coverage requirement of $300,000 as required per guidelines. |  | An exception was granted with the following compensating factors: Reserves of $595,000 exceed guideline minimum of 6 months ($28,357.62). No mortgage late payments within the last 24 months. Experienced Investor. Multiple Business Owner. |  |  |  | 10/03/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1437549 | XXXX | XXXX | 6966335 | 350 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 80% exceeds the guideline maximum of 75% for a qualifying credit score of 694. |  | An exception was granted with the following compensating factors: Reserves of $595,000 exceed guideline minimum of 6 months ($28,357.62). No mortgage late payments within the last 24 months. Experienced Investor. Multiple Business Owner. |  |  |  | 10/03/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1437549 | XXXX | XXXX | 6972185 | 961 | 10/11/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  | Information provided |  |  | 10/14/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1437553 | XXXX | XXXX | 6966360 | 336 | 10/03/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | DSCR is < 1.00. Minimum DSCR requirement is 1.00%. Exception/Management approval for DSCR < 1.00 is missing from the file. |  |  | Reviewer 10/11/2022 09:29 AM; Document received did not include the management approval for the DSCR exception<br>| 10/13/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1437553 | XXXX | XXXX | 6966373 | 320 | 10/03/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | 2 months Statements for XXXX accounts #XXXX and XXXX missing from the file. Aug 31 statement for each account in file. The accounts were used as compensating factor for exception approval. | received |  |  | 10/10/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1437553 | XXXX | XXXX | 6967110 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/12/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1437553 | XXXX | XXXX | 6966241 | 851 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 70% Maximum LTV for Cash-Out Refinance based on FICO (720 is needed to reach 75%). |  | Compensating factors: Reserves $285,640. Years on job: 25. Borrower has closed 9 loans with us already. Reserves are broken down as $180,847 401k, $17,197 stocks and $87,800 Cash. |  |  |  | 10/03/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1437556 | XXXX | XXXX | 6965697 | 185 | 09/30/2022 | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | The Flood Insurance Policy was not found in the file. | Information provided |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437556 | XXXX | XXXX | 6965698 | 200 | 09/30/2022 | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | The Master Hazard Insurance Policy was not found in the file. | Information provided |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437556 | XXXX | XXXX | 6966993 | 851 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- 70% LTV to XXXX million & reduction 5% for 12 months bank statements/ payment shock 3x DTI under 45%. Exception- 70% with 12 months bank statements, payment shock 3.65x, open active tradelines 1 over 12 months. |  | Compensating Factors- $368k in reserves and DTI 39%/43% |  |  |  | 10/03/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437556 | XXXX | XXXX | 6967009 | 336 | 10/03/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Bank statement loan, 12 months bank statements are required with one of the following options needed to analyze business accounts- (1) fixed expense ratio based on analysis of the borrower's business functions, (2)Business expense statement letter or (3) 24 or 12 month third party prepared P&L statement. |  |  |  | 10/27/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437556 | XXXX | XXXX | 6969340 | 330 | 10/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines verification that the borrower is at least 25% owner of the business by providing one of the followng CPA letter, Tax Prepare letter, operating agreement, or equivalent reflecting the borrower's ownership percentage. | received/comp factors, high monthly income, reserves. |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437556 | XXXX | XXXX | 6969345 | 434 | 10/06/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Per guidelines 12 months PITI required for loan amounts >$1,500,000. |  | received exception approval | Reviewer 10/18/2022 10:27 AM; The document received was a XXXX bank statement dated 11/2021. The loan closed XXXX. The bank statements dated 7/2022 prior to closing = #XXXX = $74,322 and #XXXX = $1,227,215 total $1,301,537 and does not equal 12 months reserve of $1,419,858<br>|  |  | 10/20/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437558 | XXXX | XXXX | 6966931 | 851 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Max LTV is 80% with gift funds and Maximum payment shock is 250%. Exception Request- 85% LTV with 10% gift funds ($150k) and Payment shock is 333%. Compensating Factors- Borrower has contract with XXXX to XXXX to XXXX, stable income as evidenced by bank statements, good mortgage history and substantial disposable income. |  | Compensating Factors- Borrower has contract with XXXX to XXXX to XXXX, stable income as evidenced by bank statements, good mortgage history and substantial disposable income. |  |  |  | 10/03/2022 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437558 | XXXX | XXXX | 6969643 | 330 | 10/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per Guidelines verification that the borrower is at least 25% owner of the business by providing one of the following CPA letter, Tax Preparer letter, operating agreement or equivalen reflecting the borrowers ownership percentage. | received |  | Reviewer 10/18/2022 05:20 PM; The document received did not reflect the amount of ownership for the borrower of the business XXXX<br>| 10/19/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1437558 | XXXX | XXXX | 6969645 | 336 | 10/06/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Using bank statements to qualify, missing 1 of the following fixed expense ratio based on analysis of the borrower's business functions, Business expense statement letter or third pary prepared P&L statement. | received |  | Reviewer 10/20/2022 03:52 PM; The document received did not include a Business expense statement letter or third party P&L<br>| 10/27/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1438294 | XXXX | XXXX | 6967606 | 101 | 08/23/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | Correct property county is XXXX, not XXXX. | Information provided |  | Reviewer 08/29/2022 10:56 AM; DOT provided has not been corrected. Deficiency remains open<br>| 09/28/2022 |  | A | 1 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1438294 | XXXX | XXXX | 6967607 | 851 | 08/24/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Bank statement requires 2 years self employed in same business borrower is 1 yr 7 months |  | XXXX Sr. Mgt has approved the borrowers self employment of 1 year and 7 months. Pricing for the deviation has been added. Compensating factors; Mid FICO 703, Credit depth of 6 years. Never had any late payments with 6 years credit depth. 39.212% DTI. Pricing: 7.50% fixed 2.75% stacked. |  |  |  | 08/24/2022 B | 2 | XXXX | AZ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1438546 | XXXX | XXXX | 6971104 | 851 | 10/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower living rent free |  |  |  |  |  | 10/13/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438547 | XXXX | XXXX | 6971013 | 851 | 10/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Appraisal completed value as fee simple, when subject is a Leasehold rights. | per sr management approval in file, appraisal transfer letter requirement has been waived due to lender/client list on appraisal being out of business. appraised value supported by comps and third party CDA |  | Reviewer 10/13/2022 09:14 PM; XXXX guidelines require all appraisals to be ordered through an XXXX approved Appraisal Management Company (XXXX). The transfer of appraisal documents per guidelines were not located in the file. TRANSFER OF APPRAISALTo transfer an appraisal, a transfer letter must be executed by the Client (Lender) that ordered the appraisal and must be signed by an authorized member of the company. The letter must include the following:•Prepared on Letterhead of the original Lender• Reviewer 10/14/2022 08:08 PM; LOE received states the transfer letter is not required. The approval date on the loan approval is XXXX and requires an appraisal transfer letter- #3 prior to approval. The email received stating this is not required is dated 8/11/22. The appraisal that reflects the property is leasehold has not been received.<br>Client 10/19/2022 04:06 PM; The conditional approval item #3 asks for appraisal transfer letter. As the transfer letter cannot be obtained, the this condition was cleared with the LOE received from XXXX dated 8/11 (attached).<br>Reviewer 10/20/2022 08:14 AM; deficiency has been cleared<br>| 10/20/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438547 | XXXX | XXXX | 6973705 | 330 | 10/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | 75% LTV, LTV to 80% updating form for new loan amount (originally approved at $XXXX, XXXX) |  | Reserves 97,869.33 LTV/CLTV 78.941/78.941 FICO 785 years on job 11 years at present address XXXX owns over 100 rental pproperties approved by XXXX. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438551 | XXXX | XXXX | 6972023 | 327 | 10/10/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing VOR for borrowers current residence at XXXX for $2200 per month. | received |  | Reviewer 10/13/2022 08:27 PM; The 1003 reflects current primary house rent is $2,200<br>| 10/14/2022 |  | A | 1 | XXXX | CO | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438551 | XXXX | XXXX | 6972024 | 330 | 10/10/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing exception for Letter of explanation stating that the borrower is now living rent free. |  |  |  |  |  | 10/13/2022 B | 2 | XXXX | CO | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438551 | XXXX | XXXX | 6972026 | 330 | 10/10/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the exception for .80 DSCR. |  |  |  |  |  | 10/13/2022 B | 2 | XXXX | CO | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438554 | XXXX | XXXX | 6970902 | 851 | 10/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR calculations less than 1.00- Rents $1400 PITI $1463.29 | received |  | Reviewer 10/13/2022 04:05 PM; the loan approval reflects a lock expiration date of 9/21/22 and the note date is XXXX. Provide evidence that this loan/lock was valid at time of closing under the archived guidelines to support the DSCR <1.00<br>| 10/14/2022 |  | A | 1 | XXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438554 | XXXX | XXXX | 6974156 | 330 | 10/13/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit Report 1 day beyond the credit expiration date. |  | Exception granted for 1 day beyond the credit expiration date, Excessive reserve from cash proceeds. Approved XXXX 09/23/2022. |  |  |  | 10/13/2022 B | 2 | XXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438557 | XXXX | XXXX | 6974584 | 330 | 10/13/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR score less than 1.00 requires management exception. DSCR score is 0.76. |  |  |  | 10/14/2022 |  | A | 1 | XXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438557 | XXXX | XXXX | 6971414 | 851 | 10/10/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural Property. |  | Compensating Factors: Credit Score 772 with Multiple mortgages paid on time. The subject is in a rural part of the XXXX county community. |  |  |  | 10/10/2022 B | 2 | XXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438560 | XXXX | XXXX | 6970644 | 851 | 10/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower lives rent free- borrower was subleasing-no proof of rent being paid. |  | Granted, borrower has multiple investment properties, and loans with AHL. |  |  |  | 10/07/2022 B | 2 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438560 | XXXX | XXXX | 6969728 | 72 | 10/06/2022 | Credit | Closing Package |  | Closing Package - |  | Title commitment indicates subject is held as FEE SIMPLE, however, the appraisal indicates LEASEHOLD and the final HUD 1 has Ground Rent Redemption costs and fees in section 1306. Please provide the Lease Hold Lease Agreement for this property |  |  | Reviewer 10/13/2022 10:08 AM; escalated for review<br>| 10/13/2022 |  | A | 1 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438560 | XXXX | XXXX | 6969730 | 72 | 10/06/2022 | Credit | Closing Package |  | Closing Package - |  | Due to the Appraisal and the HUD 1 indicating the subject is a LEASEHOLD please provide the Ground rents documentation to reflect payments are current. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438564 | XXXX | XXXX | 6969658 | 328 | 10/06/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing verification of mortgage for the borrowers primary residence XXXX, as required per guidelines. Borrowers that are living rent free require a loan exception. A copy of the exception form was not provided in the loan file. | received |  |  | 10/17/2022 |  | A | 1 | XXXX | NC | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1438569 | XXXX | XXXX | 6969430 | 851 | 10/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower lives rent free which is outside of guidelines |  | Client approved due to multiple investment properties and loans with AHL. |  |  |  | 10/06/2022 B | 2 | XXXX | MD | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1438588 | XXXX | XXXX | 6969588 | 328 | 10/06/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | evidencing subject property mortgage with XXXX 0x30x12 | Servicing history provided |  |  | 10/11/2022 |  | A | 1 | XXXX | WI | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438588 | XXXX | XXXX | 6969613 | 851 | 10/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum property requirement for 2-4 unit of 400 sqft per individual unit was not met for unit 3 of XXXX sqft per appraiser |  | Exception approved for 3rd unit under 400 sq. ft. Compensating Factors: Value is supported, desk review came in at value. Low risk |  |  |  | 10/11/2022 B | 2 | XXXX | WI | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438588 | XXXX | XXXX | 6969615 | 851 | 10/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR calculations of leases $3030 does not cover PITI of $3044.98 = .98 vs 1.00 requirement | Received/Archived guidelines allow |  | Reviewer 10/12/2022 10:18 AM; The DSCR is not 1.00. LOE received states loan was locked prior to 8/15/22. Loan was locked on XXXX and expired XXXX. Loan closed on XXXX after the expiration date of lock. Provide evidence that DSCR is approved at .98.<br>| 10/14/2022 |  | A | 1 | XXXX | WI | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1438589 | XXXX | XXXX | 6973170 | 272 | 10/12/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraiser noted an existing lease for $975 expiring XXXX- Provide lease to be used in DSCR calculations | received |  |  | 10/13/2022 |  | A | 1 | XXXX | NM | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1438594 | XXXX | XXXX | 6970387 | 851 | 10/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower has no primary housing payment, living with family and pays no rent. |  | received exception approval / Comp factors - Experienced investor, 784 fico, 70.6 LTV, DSCR 1.25% |  |  |  | 10/13/2022 B | 2 | XXXX | LA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1439746 | XXXX | XXXX | 6972669 | 957 | 10/11/2022 | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | First payment letter shows $1,755.42, however calculated total payment on escrow screen shows $1,706.87 | Monthly amount on First Payment, & total escrows on IEADS collected are correct. Total annual taxes on the SS are correct $257.32/mo. |  | Reviewer 10/28/2022 09:12 AM; Estimated taxes on first payment letter do not match the HUD 1 in the file. 1st pay letter reflects $257.32 while the HUD ! reflects $208.77. Please provide a corrected 1st pay letter or corrected HUD 1. These documents must match<br>Reviewer 12/14/2022 10:45 AM; Nothing provided <br>Client 12/20/2022 02:10 PM; Final Grade B is acknowledged by XXXX. Non-material. Please update and complete loan. Thank you.<br>Reviewer 12/20/2022 02:23 PM; <br>Reviewer 12/20/2022 02:33 PM; Hello, This has been acknowledged w/ action comments. Thank you<br>|  |  | 12/20/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1439746 | XXXX | XXXX | 6973221 | 321 | 10/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Qualifying Credit Requirements for Foreign National is missing from the file 2 open trade lines reporting for 2 years with activity in the most recent 12 months, no derrog credit history within 2 years. US Credit Report, International credit report or alternative verification(credit reference letters from international institution meeting all alternative trade line requirements)required. | received |  | Reviewer 10/27/2022 07:41 PM; The documents received did not reflect 2 open credit trade lines as requested<br>| 12/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1439746 | XXXX | XXXX | 6974187 | 962 | 10/13/2022 | Credit | Appraisal |  | Appraisal - FEMA Disaster |  | Disaster Cert required | Information provided |  | Reviewer 10/28/2022 10:39 AM; Disaster Cert was inspected on 9/29, which is the FEMA incident date. Disaster cert must be inspected after this date.<br>| 12/12/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1439747 | XXXX | XXXX | 6973852 | 350 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV exceeds the guideline maximum LTV of 75% for loans that closed under the XXXX program. |  | An exception was granted with the following compensating factors: Verified Reserves of exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439747 | XXXX | XXXX | 6972667 | 187 | 10/11/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Missing flood certificate for this transaction. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439747 | XXXX | XXXX | 6972668 | 201 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Missing Hazard policy for this transaction |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439747 | XXXX | XXXX | 6972671 | 689 | 10/11/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | Title commitment is missing for this refinance transaction. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439748 | XXXX | XXXX | 6972879 | 187 | 10/11/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood cert is missing; please upload. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439748 | XXXX | XXXX | 6972880 | 201 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Insurance policy is missing; please provide proof of insurance. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439748 | XXXX | XXXX | 6972881 | 689 | 10/11/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | Title commitment missing; please upload. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439748 | XXXX | XXXX | 6972882 | 861 | 10/11/2022 | Credit | Note |  | Note - Other: |  | Articles of Incorporation or other document proving the borrower has the right to sign on behalf of XXXX missing; please provide evidence borrower XXXX is allowed to sign on behalf of XXXX. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439748 | XXXX | XXXX | 6973875 | 350 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV exceeds the guideline maximum LTV of 75% for loans that closed under the XXXX program. |  | An exception was granted with the following compensating factors: Verified Reserves exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439749 | XXXX | XXXX | 6974727 | 851 | 10/13/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV 80% exceeds program guides of 75% |  | Exception granted: Experienced borrower with over 100 property history, all trades paid as agreed, 33 months reserves. |  |  |  | 10/13/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439750 | XXXX | XXXX | 6973736 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR XXXX program does not allow for Rural Property |  |  |  |  |  | 10/18/2022 B | 2 | XXXX | NY | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 1439752 | XXXX | XXXX | 6973678 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV over 70% due to credit score of 671 |  | Exception granted borrower reserves of $730,000 and 20 plus year experience with primary mortgage payments timely. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439752 | XXXX | XXXX | 6973687 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR below 1.00 |  | Exception granted borrower reserves of $730,000 and 20 plus year experience with primary mortgage payments timely. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439753 | XXXX | XXXX | 6973934 | 350 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 78.59% exceeds the guideline maximum LTV of 75% for loans that closed under the XXXX program. |  | An exception was granted with the following compensating factors: Verified Reserves exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439753 | XXXX | XXXX | 6972610 | 187 | 10/11/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  |  |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439753 | XXXX | XXXX | 6972611 | 201 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439753 | XXXX | XXXX | 6972616 | 689 | 10/11/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | Title commitment not in file |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439755 | XXXX | XXXX | 6973756 | 350 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV exceeds the guideline maximum LTV of 75% for loans that closed under the XXXX program |  | An exception was granted with the following compensating factors: Verified Reserves of $97869.33 exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439755 | XXXX | XXXX | 6973757 | 357 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | Cash back of $4,208.63 exceeds the guideline maximum of $XXXX Per guidelines, cash back cannot exceed 2% of the loan amount (XXXX) or $5,000 whichever is the lesser. |  | An exception was granted with the following compensating factors: Verified Reserves of $97869.33 exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439756 | XXXX | XXXX | 6977404 | 330 | 10/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception LTV to 80%-/DSCR .902. Guideline 75% max LTV/Minimum DSCR 1.0. |  | Compensating factors: Reserves $97869.33, FICO 770, Years at present address: XXXX owns over 100 rental properties, seasoned investor. |  |  |  | 10/17/2022 B | 2 | XXXX | MD | 3 | 3 A B | N/A | N/A |  | Exempt | 1 |
| 1439757 | XXXX | XXXX | 6973655 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max LTV 75% - request LTV to 80% |  | Reserves $97869.33, 770 FICO, 11 year job. XXXX owns more than 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439759 | XXXX | XXXX | 6972625 | 961 | 10/11/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  | Information provided |  | Reviewer 10/14/2022 01:06 PM; Appraisal dated XXXX is prior to incident begin date of 09/23/2022.<br>| 10/24/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1439760 | XXXX | XXXX | 6972816 | 868 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Property is an attached condo meaning that a master policy is required. Please provide proof of a master condo policy with borrower's name, address, and unit number. |  |  |  | 10/17/2022 |  | A | 1 | XXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1439760 | XXXX | XXXX | 6973675 | 868 | 10/12/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Missing Rental loss coverage |  |  |  | 10/17/2022 |  | A | 1 | XXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1439762 | XXXX | XXXX | 6974126 | 328 | 10/13/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Borrower does not own primary residence and payments for rent are inconsistent. |  | Compensating factor: Fico 720. Reducing interest from 19.95% to 8.125%. Good credit score and payment history. Management review and exception are required for all XXXX loans when living rent free. An Approved exception will include a negative pricing adjustment of .25 to rate. | Reviewer 10/17/2022 10:18 AM; Borrower lives with relative, provided documentation supporting rent payments is inconsistent. <br>|  |  | 10/13/2022 B | 2 | XXXX | PA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1439763 | XXXX | XXXX | 6974118 | 330 | 10/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR is less than 1.00 |  | The exception for less than a 1.00 DSCR was granted with the following compensating factors: $30,922 in reserves, FICO is 735, 7 years at current address and 7 years of monthly payments. Borrower has excess reserves, credit score 735. |  |  |  | 10/12/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1439763 | XXXX | XXXX | 6974119 | 259 | 10/12/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Disaster Recertification Required |  | Missing Disaster recertification from original images. | received |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1439763 | XXXX | XXXX | 6974189 | 962 | 10/13/2022 | Credit | Appraisal |  | Appraisal - FEMA Disaster |  | Disaster Cert required |  |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1439764 | XXXX | XXXX | 6973047 | 330 | 10/12/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Appraised value on the Loan Approval reflects XXXX when the correct Value per Appraisal is XXXX | received |  |  | 10/28/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1439765 | XXXX | XXXX | 6973692 | 380 | 10/12/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Missing corrected lease agreement or addendum to the lease evidencing the correct property address of XXXX. Lease agreement in file list the address as XXXX. Numeric portion missing an additional 7. | received |  |  | 10/20/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439765 | XXXX | XXXX | 6973693 | 350 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 81.63% exceeds the guideline maximum LTV of 75% for loans that closed under the XXXX program. |  | An exception was granted with the following compensating factors: Verified Reserves of $97869.33 exceed the guideline requirement of 6 months. FICO 770. Years on the job:11. Years in Present Address: 6 Years. Borrower owns over 100 rental properties. Seasoned Investor. |  |  |  | 10/12/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439765 | XXXX | XXXX | 6973009 | 187 | 10/11/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing, needed for input |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439765 | XXXX | XXXX | 6973010 | 201 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard Insurance is missing. |  |  |  | 10/12/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439767 | XXXX | XXXX | 6972628 | 187 | 10/11/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing for loan. Required for data purposes. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439767 | XXXX | XXXX | 6972629 | 201 | 10/11/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Proof of Hazard Insurance is missing for loan. Evidence of Insurance is required for loan. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439767 | XXXX | XXXX | 6972630 | 689 | 10/11/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If refinance, title must be vested in our borrower(s), if not suspend for Quit Claim or Warranty Deed. |  | Title Policy/Commitment must be in file. Currently missing for loan. |  |  |  | 10/13/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1439767 | XXXX | XXXX | 6975119 | 357 | 10/14/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | \*GUIDELINE EXCEPTION Current Guideline LTV 75% Guideline Exception LTV to 80% |  | COMPENSATING FACTORS: Reserves: 97,869.33 FICO: 770 Years on Job: 11 Years at present address: 6 Comp Factor Detail: XXXX owns over 100 rental properties, seasoned investor APPROVED BY: XXXX |  |  |  | 10/14/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1441762 | XXXX | XXXX | 6978967 | 200 | 10/18/2022 | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | The Master Hazard Insurance Policy was not found in the file. | Information provided |  |  | 10/31/2022 |  | A | 1 | XXXX | MO | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1441768 | XXXX | XXXX | 6979164 | 851 | 10/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 75% LTV for borrower living rent free with fiance- guideline requires 70% LTV |  | Exception granted. Compensating factors: Reserves $162,800. Fico 704. Seasoned Real Estate Investor, Loan is currently locked at 75% LTV, wants to relock at worse case and keep the LTV at 75%, Cash Out is approx $162,800, and DSCR is 1.074- lives with mother of his son- property is in her name for Liability reasons. |  |  |  | 10/19/2022 B | 2 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1441768 | XXXX | XXXX | 6979167 | 851 | 10/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 12 month housing history not available- living rent free |  | Exception granted. Compensating factors: Reserves $302,000. DTI 1.20. Season real estate investor. |  |  |  | 10/19/2022 B | 2 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1441768 | XXXX | XXXX | 6978900 | 592 | 10/18/2022 | Credit | Note |  | Note - Compliance \ Note - Do the all of the following items on the Note match the terms of the loan approval: Property address, Loan Type, Loan Amount, Interest Rate, Term |  | Interest rate on clear to close approval is 7.875% and the interest on the note is 7.750%. Please provide approval with interest rate matching the note. | Information provided |  |  | 10/31/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1441769 | XXXX | XXXX | 6978667 | 187 | 10/18/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  |  |  |  |  | 10/19/2022 |  | A | 1 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441769 | XXXX | XXXX | 6978668 | 201 | 10/18/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  |  |  | Reviewer 10/19/2022 04:22 PM; <br>| 10/19/2022 |  | A | 1 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441769 | XXXX | XXXX | 6978670 | 824 | 10/18/2022 | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  |  |  |  |  | 10/19/2022 |  | A | 1 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441774 | XXXX | XXXX | 6978969 | 187 | 10/18/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing. |  |  |  | 10/31/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6978970 | 201 | 10/18/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard Insurance is missing. |  |  |  | 10/31/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6978971 | 687 | 10/18/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Fee Simple |  | Title Commitment is missing |  |  |  | 10/31/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6978774 | 891 | 10/18/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Information provided |  | Reviewer 10/31/2022 02:24 PM; No documentation provided<br>Reviewer 11/01/2022 01:41 PM; No LE's have been provided<br>| 11/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6978775 | 902 | 10/18/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 11/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6978776 | 970 | 10/18/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | Information provided |  | Reviewer 10/31/2022 02:24 PM; No documentation provided<br>Reviewer 11/01/2022 01:41 PM; CD provided is the final CD. Initial CD has not been provided<br>| 11/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1438050 | XXXX | XXXX | 6991552 | 851 | 06/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE 75% MAX LTV ON FC < 3YRS DEVIATION REQUEST Allow 85% LTV with Forclosure Jan 2020. Approved by XXXX |  |  | Reviewer 06/08/2022 09:54 PM; COMPENSATING FACTORS: 4YRS in current home, 18yrs on the job, Nice property<br>|  |  | 06/08/2022 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | QM Rebuttable Presumption | 1 |
| 1441762 | XXXX | XXXX | 6979557 | 877 | 10/19/2022 | Credit | AUS |  | AUS - Other: |  | The Loan Approval reflected the "Purpose of Loan" as No Cash-out Refinance; however, the Settlement Statement dated XXXX reflected cash back to the borrower in the amount of $XXXX. Provide updated Loan Approval reflecting Cash-Out loan purpose. | Per client: this is delayed financing. No cash out on approval is allowed for delayed financing. The borrower provided their settlement statement and proof of funds used to purchase the subject. Purchase price at that time was $XXXX which is what was used for appraised value. Loan amount is acceptable as is the cash out. |  | Reviewer 10/31/2022 02:34 PM; No documentation provided<br>Client 12/13/2022 05:24 PM; This is delayed financing. No cash out is allowed for delayed financing. The borrower provided their settlement statement and proof of funds used to purchase the subject. Purchase price at that time was $XXXX which is what we used for our appraised value. <br>Loan amount is acceptable as is the cash out. Delayed financing is reimbursing the borrower for the amount they paid for the property (or a portion thereof). Cash out is being used for the reserves. <br>Reviewer 12/14/2022 07:45 AM; <br>Reviewer 12/14/2022 08:51 AM; Hello, This has been cleared. Thank you!<br>| 12/14/2022 |  | A | 1 | XXXX | MO | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1441764 | XXXX | XXXX | 6979786 | 272 | 10/20/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The property is a High Rise Condominium |  | The exception for the property was granted with the following compensating factors: Excess reserves, a Credit score of 700, and an experienced Investor. |  |  |  | 10/20/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441764 | XXXX | XXXX | 6979787 | 336 | 10/20/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | DSCR is below minimum of 1.00 at .96. |  | The exception for the DSCR of .96 was granted with the following compensating factors: Excess reserves, a Credit score of 700, and an experienced Investor. |  |  |  | 10/20/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1441766 | XXXX | XXXX | 6979244 | 851 | 10/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural Property |  | exception granted. Compensating factors: SFR 85% per appraiser, Comps are within 7 miles, 50% LTV, 1.671% DSCR |  |  |  | 10/19/2022 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441766 | XXXX | XXXX | 6979247 | 851 | 10/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max 1x30 mortgage history- borrower has rolling late for two months |  | exception granted. Compensating factors: SFR 85% per appraiser, Comps are within 7 miles, 50% LTV, 1.671% DSCR |  |  |  | 10/19/2022 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441766 | XXXX | XXXX | 6979275 | 851 | 10/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Primary Housing payment history for past 12 months | 1003 reflects prior residence ownership of 25% or more for 10 years |  | Reviewer 10/31/2022 07:14 PM; Documents received did not reflect the past 12 months primary housing payment history.<br>Reviewer 12/21/2022 10:40 PM; Received history of payment from 4/22 - 9/22. Provide previous rental history - Per LOE borrower states he was renting in XXXX until Jan 2022 and then moved into parents home. Provide supporting documentation.<br>Reviewer 12/22/2022 02:38 PM; The document received is from XXXX and references the name, XXXX. The document does not verify the borrower, XXXX, as the resident<br>Reviewer 01/06/2023 06:13 PM; Provide the final 1003 with 2 year primary addresses<br>Client 01/11/2023 01:59 PM; Final application can only show 2 addresses: current and previous. It doesn't give an option to add more former addresses. <br>Reviewer 01/11/2023 02:16 PM; Condition has been cleared Thank you <br>| 01/11/2023 |  | A | 1 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441766 | XXXX | XXXX | 6979276 | 330 | 10/19/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final application showing primary housing address's for past 12 months |  |  | Reviewer 10/31/2022 07:14 PM; Only 10 months primary housing addresses were reflected on the 1003.<br>| 12/13/2022 |  | A | 1 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441768 | XXXX | XXXX | 6979179 | 272 | 10/19/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | CDA from XXXX to correct date of report from XXXX to match compliance certificate XXXX | received |  |  | 11/08/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1441769 | XXXX | XXXX | 6979874 | 351 | 10/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DSCR 0.83x is less than the minimum of 1.00x. |  | Client approved due to excessive reserves |  |  |  | 10/20/2022 B | 2 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441769 | XXXX | XXXX | 6979593 | 199 | 10/19/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Hazard insurance coverage is insufficient- Must cover the loan amount or estimated cost new, or policy to state guaranteed replacement cost |  | Loan amount is $XXXX however coverage amount on the HOI policy is $302125.00 Coverage is insufficient |  |  |  | 10/31/2022 |  | A | 1 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1441770 | XXXX | XXXX | 6982869 | 336 | 10/25/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing Verification of 25% ownership of business with one of the following CPA letter, tax preparer letter, operating agreement, or equivalent reflecting the borrowers ownership percentage. |  |  |  | 10/31/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1441770 | XXXX | XXXX | 6979988 | 418 | 10/20/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | The Condo Questionnaire is missing from the loan file. Per AHL Non-QM guidelines (8/01/2022) on page 93 "All Loan secured by condominium projects require a completed Homeowners Association (HOA) questionnaire." |  |  |  | 10/31/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1441770 | XXXX | XXXX | 6979989 | 418 | 10/20/2022 | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | The Condo Master Insurance Policy ("XXXX") is missing from the loan file. Per AHL Non-QM guidelines (8/01/2022) on page 96 "The condominium association must maintain a master of blanket type of insurance policy." | received |  |  | 11/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1441770 | XXXX | XXXX | 6979990 | 327 | 10/20/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | A VOR of the borrower's current primary residence ("XXXX" for $1,150) is missing from the loan file. Per AHL Non-QM guidelines (8/01/2022) on page 60 "If a borrower's mortgage or rental history is not reported on the credit report, a VOM/VOR must be provided." |  |  |  | 10/31/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1441770 | XXXX | XXXX | 6979992 | 851 | 10/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Current DTI is 51.626% with a 90% LTV. Locked at lowest rate available. Guidelines state a Max DTI of 45% when the LTV is 90%. |  | COMPENSATING FACTORS: (1) FICO of 767. (2) 4 Years on the current job. (3) 5 Years at present address. (4) No late rent payments. |  |  |  | 10/20/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6979745 | 330 | 10/19/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The loan approval is missing. | received |  | Reviewer 10/31/2022 06:43 PM; The loan approval received reflects interest of 6.875% and the note reflect 6.75%<br>| 11/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6982861 | 330 | 10/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Fraud Guard |  |  | Reviewer 10/31/2022 06:24 PM; The participant search did not include XXXX and XXXX.<br>| 11/08/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1441774 | XXXX | XXXX | 6982862 | 330 | 10/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guides verification borrower is at least 25% owner of the business by providing one of the following, CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage. | Documentation provided is sufficient. |  | Reviewer 11/08/2022 10:59 AM; Provide third party verification of borrower's percent of ownership. The document received is signed and dated by the borrower.<br>| 11/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1443658 | XXXX | XXXX | 6986126 | 330 | 10/28/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Discount Points finance. Base LTV is 65% Credit and FICO Meet, Cash Out, Using Rent Range Data as an exception based on the comps reflected in the Rent Range Anlysis, the Radius Median value is conservative for the home's square footage and bed/bath count. |  | DSCR excepton to .978 approved by XXXX 09/29/2022 Approving Authority XXXX 10/17/2022 |  |  |  | 10/28/2022 B | 2 | XXXX | FL | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1443667 | XXXX | XXXX | 6983483 | 323 | 10/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower does not meet the minimum tradeline requirement of three tradelines 1 open within 24 months and 2 open or closed for 12 months. |  | An exception was granted with the following compensating factors: Excessive Reserves: $100,000+; DSCR above guideline: 1.616 vs 1.00. FICO 708. |  |  |  | 10/25/2022 B | 2 | XXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1443667 | XXXX | XXXX | 6983485 | 323 | 10/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Borrower does not meet inexperienced investor guidelines of must own primary residence for 12 months. |  | An exception was granted with the following compensating factors: Excessive Reserves: $100,000+; DSCR above guideline: 1.616 vs 1.00. FICO 708. |  |  |  | 10/25/2022 B | 2 | XXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1443667 | XXXX | XXXX | 6983506 | 258 | 10/25/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Per page 2 of 6 of the appraisal report shows the property was subject to the furnace cover needs to be added on the machine as it could be a safety issue, and a fee for the 1004D inspection was charged on the settlement statement, however was not provided in the loan file. | received |  | Reviewer 10/31/2022 07:21 PM; The documents received did not include the 1004D with photos<br>| 11/15/2022 |  | A | 1 | XXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1443667 | XXXX | XXXX | 6983245 | 187 | 10/25/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing for loan. Required for data purposes. | Information provided |  |  | 10/31/2022 |  | A | 1 | XXXX | MI | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1443668 | XXXX | XXXX | 6986033 | 322 | 10/28/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | FICO for cash-out 3-6 months requires 680. Borrower has 671 FICO |  | Exception Approved by: XXXX. Compensating Factors: 65% base LTV, Minimal cash out=/-$5000, Experienced investor, 1.266 DSCR |  |  |  | 10/28/2022 B | 2 | XXXX | MO | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1443669 | XXXX | XXXX | 6983465 | 200 | 10/25/2022 | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | The Master Hazard Insurance Policy was not found in the file. |  |  |  | 10/31/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1443670 | XXXX | XXXX | 6984528 | 959 | 10/26/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS is missing from file. Please provide a signed copy of IEADS that matches calculated amount of 2,035.92 |  |  |  | 11/09/2022 |  | A | 1 | XXXX | CA | 3 | 13 B A | N/A | N/A |  | Exempt | 1 |
| 1443675 | XXXX | XXXX | 6986172 | 330 | 10/28/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines dated 08/24/2022 Asset Verfication is 2 months statements. Asset documentation in file only reflects 1 month | received 2 quarter statements for XXXX. |  |  | 11/16/2022 |  | A | 1 | XXXX | VA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1443679 | XXXX | XXXX | 6983302 | 187 | 10/25/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing for loan. Required for data purposes. |  |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6983303 | 201 | 10/25/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Evidence of Hazard Insurance is required. Currently missing for loan. |  |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6983304 | 685 | 10/25/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit |  | Title Commitment not in file. Required for data purposes. |  |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984227 | 317 | 10/26/2022 | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | Supply closing disclosure evidencing cash to borrower of $260.445.26for property located at XXXX FL, showing mortgage with XXXX paid off. | received |  |  | 12/12/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984228 | 851 | 10/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Appraiser noted subject in RURAL area, exception required |  |  |  |  |  | 10/31/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984229 | 330 | 10/26/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final loan approval required | Information provided |  | Reviewer 10/31/2022 08:29 PM; received<br>| 10/31/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984241 | 851 | 10/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Housing event in past 24 months present with current primary being sold. XXXX mortgage was deferred for 18 months ending XXXX |  | Exception approval received for payment shock over 300% comp factors - $130,000 24 months reserves, Lot DTI, score over 640 |  |  |  | 10/31/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984260 | 384 | 10/26/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Satisfactory evidence of self employment for at least 2 years, confirming 100% ownership with 60% expenses. | Documentation provided is sufficient. |  | Reviewer 10/31/2022 08:29 PM; Document received did not confirm 60% expenses.<br>Reviewer 12/21/2022 11:10 PM; The document received did not verify 2 years of self-employment with 60% expenses and the business narrative was not completed by completed by an employee (non-relative) of the borrower's business, with knowledge and information of the operations and finances of the business. Typical positions held by this employee would include: XXXX. This form can also be completed by a third-party individual w<br>Client 12/22/2022 01:25 PM; Bank Statement Review showing expense ratio and ownership % provided.<br>Reviewer 12/23/2022 08:19 AM; The document received did not verify 2 years of self-employment with 60% expenses and the business narrative was not completed by completed by an employee (non-relative) of the borrower's business, with knowledge and information of the operations and finances of the business. Typical positions held by this employee would include: XXXX. This form can also be completed by a third-party individual w<br>| 12/27/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1443679 | XXXX | XXXX | 6984261 | 336 | 10/26/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Business narrative provided by borrower's business | Documentation provided is sufficient. |  | Reviewer 12/21/2022 11:10 PM; business narrative was not completed by completed by an employee (non-relative) of the borrower's business, with knowledge and information of the operations and finances of the business. Typical positions held by this employee would include: XXXX. This form can also be completed by a third-party individual with direct knowledge of the borrower's business, such as Certified Public Accountant or an<br>| 12/27/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1445946 | XXXX | XXXX | 6991448 | 894 | 11/04/2022 | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Need evidence LE dated 10/19/22 was received by borrower 4 days prior to consummation date of 10/25/22. |  |  |  | 11/15/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1445946 | XXXX | XXXX | 6991449 | 902 | 11/04/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 11/15/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1445946 | XXXX | XXXX | 6992938 | 851 | 11/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline housing history/payment shock <300%, borrower living rent free. |  | Compensating factors; borrower had previous mtg paid in full XXXX $1277.00 payment shoic is within guides based on previous mtg. 59% LTV |  |  |  | 11/06/2022 B | 2 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1445951 | XXXX | XXXX | 6988405 | 187 | 11/01/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  |  |  |  |  | 11/03/2022 |  | A | 1 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445951 | XXXX | XXXX | 6988406 | 201 | 11/01/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  |  |  |  | 11/03/2022 |  | A | 1 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445951 | XXXX | XXXX | 6990695 | 851 | 11/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception for DSCR < 1.00 is missing from the file. Required per guidelines. |  | Received exception approval/ comp factors - has good reserves. | Client 11/10/2022 05:51 PM; DSCR ratio is at 1.024<br>Reviewer 11/11/2022 08:15 AM; Market Rents $1925.00 PITIA $1939.38=993% XXXX Approval reflects .992%<br>Reviewer 11/11/2022 08:16 AM; Market Rents $1925.00 PITIA $1939.38=993% XXXX Approval reflects .992%<br>|  |  | 11/18/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445952 | XXXX | XXXX | 6991023 | 687 | 11/03/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Fee Simple |  | Property is leasehold. Please provide proof that Ground/lease rents, other payments or assessments are paid current. The information is not on the title. | Information provided |  |  | 12/09/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1445952 | XXXX | XXXX | 6994036 | 330 | 11/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Max LTV 75% LTV 79.005% |  | Reserves $52,000 DSCR 1.316, FICO 773 DSCR per appraisal is 1.34 DSCR based on lease provided is 1.60 |  |  |  | 11/08/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1445952 | XXXX | XXXX | 6994037 | 330 | 11/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception for LTV max 75% has not been executed. | Documentation has been provided. |  | Reviewer 11/18/2022 12:04 PM; The exception approval document received does not have the decision section completed.<br>Client 12/01/2022 04:38 PM; No exception needed as DSCR used was the lowest one and the loan qualified. <br>Reviewer 12/02/2022 10:31 AM; Documentation has been provided.<br>| 12/02/2022 |  | A | 1 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1445952 | XXXX | XXXX | 6992494 | 851 | 11/04/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rate/Term refinance paying off short term loan. |  | Compensating factors; 773 credit score, DSCR>1.25 67k in reserves |  |  |  | 11/04/2022 B | 2 | XXXX | MD | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1445956 | XXXX | XXXX | 6989706 | 272 | 11/02/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Ineligible Property Type Page 1 of the Appraisal report list the property location as Rural. Per guidelines, rural properties are ineligible per guidelines. |  |  | Reviewer 11/02/2022 03:43 PM; Executive Summary provided indicates an exception was granted, however compensating factors section was blank.<br>|  |  | 11/08/2022 B | 2 | XXXX | AL | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1445961 | XXXX | XXXX | 6990778 | 851 | 11/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES VALUE, Lessor of the most recent list price or current appraised value should be used to determine loan-to-value for both rate /term and cash-out transactions for properties listed within the last 6months EXCEPTION REQUEST Please use appraised value instead of most recent listing price |  | COMPENSATING FACTORS: RESERVES 100K+, DTI/DSCR 1.4, FICO 713, 1.4 DSCR, 713 credit score, experienced XXXX, decided to hold the property long term instead of sell due to market changes, high credit score with favorable payment history |  |  |  | 11/03/2022 B | 2 | XXXX | OH | 3 | 3 C B | N/A | N/A C |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6992533 | 336 | 11/04/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Appraiser noted three of the four units are currently rented, refinance cash out requires evidence of lease and evidence of rent(s) received | Qualified with the lower of 3 leases. |  | Reviewer 11/18/2022 10:53 AM; Received the 3 leases for $5,320 total rents. Did not receive evidence of rents received.<br>Client 12/05/2022 05:55 PM; We used the rents from the appraisal as they were lower. A new Final Approval has been uploaded. We do not need receipt of rents in this case.<br>Reviewer 12/06/2022 08:21 AM; Condition has been cleared Thank you <br>| 12/06/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6988727 | 187 | 11/01/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood cert is missing, please provide flood certificate. | Information provided |  |  | 11/18/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6988728 | 868 | 11/01/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard insurance is missing, please provide proof of hazard insurance. | Information provided |  | Reviewer 11/04/2022 02:33 PM; HOI premium is missing from policy.<br>| 11/18/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6988729 | 592 | 11/01/2022 | Credit | Note |  | Note - Compliance \ Note - Do the all of the following items on the Note match the terms of the loan approval: Property address, Loan Type, Loan Amount, Interest Rate, Term |  | Approval is missing. please provide proof of final approval for loan. |  |  |  | 11/04/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6988730 | 861 | 11/01/2022 | Credit | Note |  | Note - Other: |  | Needing operating agreement or something showing evidence that XXXX is an authorized signer for the entity. | Information provided |  |  | 11/18/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445966 | XXXX | XXXX | 6988731 | 824 | 11/01/2022 | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Title is missing, please provide copy of title. |  |  |  | 11/04/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1445971 | XXXX | XXXX | 6991218 | 851 | 11/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Cash out refinance with properties listed within 90 days by exception only |  | COMPENSATING FACTORS: \*773 FICO \*LOE from borrower explaining why property was listed and then taken off market is acceptable \*Listing cancelled 8/3 \*Exception Approved By: XXXX 10/18/2022 |  |  |  | 11/03/2022 B | 2 | XXXX | CO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1445975 | XXXX | XXXX | 6990484 | 330 | 11/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Rent Estimate was used to calculate DSCR. Per guidelines, gross rents are the lower of the actual rents from lease agreement(s) or long-term market rents from either Fannie Mae® Form 1007 or Form 1025 in the case of a multi-family property. If property is vacant, only the form 1007 or form 1025 will be used to calculate the gross rent and DSCR. Property was a vacant purchase. Market Rents of $1350/monthly should have been used to calculate the DSCR. |  | An exception to use Rent Range to calculate the DSCR percentage was granted based on the following compensating factor: The borrower provided an executed lease agreement with verification of the security deposit. |  |  |  | 11/03/2022 B | 2 | XXXX | MO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445977 | XXXX | XXXX | 6991135 | 327 | 11/03/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | The borrower lives rent free. |  | The exception was granted for the borrower living rent-free with an explanation with the following compensating factors: Reserves $273,333.34; 1.13 DSCR, 752 FICO, and the borrower is a seasoned investor. |  |  |  | 11/03/2022 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445978 | XXXX | XXXX | 6991122 | 327 | 11/03/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | The borrower is living rent free. |  | The exception was granted for the borrower living rent-free with an explanation with the following compensating factors: Reserves $273,333.34; 1.13 DSCR, 752 FICO, and the borrower is a seasoned investor. |  |  |  | 11/03/2022 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1445980 | XXXX | XXXX | 6991083 | 330 | 11/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower is living rent free. |  | The exception was granted for the borrower living rent-free with explanation with the following compensating factors: Reserves $273,333.34; 1.13 DSCR, 752 FICO and the borrower is a seasoned investor. |  |  |  | 11/03/2022 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1446284 | XXXX | XXXX | 6988674 | 187 | 10/28/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing. | Information provided |  | Reviewer 11/02/2022 10:15 AM; Flood cert has not been provided.<br>Client 11/02/2022 02:07 PM; uploaded<br>Reviewer 11/02/2022 02:17 PM; <br>Reviewer 11/02/2022 02:17 PM; Hello, Tdocs will be reviewed within 24 hours of upload. No need to escalate when Tdocs are uploaded unless not reviewed within this timeframe. Thank you<br>| 11/02/2022 |  | A | 1 | XXXX | CA | 3 | 13 A C |  | N/A |  | Exempt | 1 |
| 1447282 | XXXX | XXXX | 6991802 | 959 | 09/29/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS Initial Escrow Account Disclosure is incorrect. Amount shown on IEADS must match amount shown on Final CD. Final CD shows $1,561.30, while IEADS shows $18,411.94. |  |  |  | 10/04/2022 |  | A | 1 | XXXX | FL | 2 | 1 D B | A | A |  | Non-QM | 1 |
| 1447282 | XXXX | XXXX | 6991803 | 851 | 09/30/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan has a stacked LTV of 76.5%. Guidelines state a max LTV for a Foreign National of 70%. |  | COMPENSATING FACTORS: (1) 10+ years of excellent credit history, no lates. (2) Stable employment. (3) Residual income $6k. |  |  |  | 09/30/2022 B | 2 | XXXX | FL | 2 | 1 D B | A | A |  | Non-QM | 1 |
| 1447282 | XXXX | XXXX | 6991804 | 438 | 09/30/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing pay stub |  | File is missing the "Payslip - December 2021" and/or "Annual Payroll Summary 2021" (or any other document to validate the XXXX base earnings and the XXXX XXXX Earnings from 2021. | received |  |  | 10/04/2022 |  | A | 1 | XXXX | FL | 2 | 1 D B | A | A |  | Non-QM | 1 |
| 1447285 | XXXX | XXXX | 6991806 | 897 | 09/13/2022 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | A PCCD needs to be issued to reflect the Total for the Deed and Mortgage in Section E. | Information provided |  | Client 09/15/2022 06:29 PM; This was caused by system error. Final Settlement Statement shows proof the borrower did not pay the $60.00 fees. The closing costs on the CD also did not include the $60.00. Please clear, thanks!<br>Reviewer 09/15/2022 07:18 PM; <br>Reviewer 09/16/2022 09:13 AM; Happy Friday! Condition has been cleared. Thank you<br>| 09/16/2022 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447285 | XXXX | XXXX | 6991807 | 902 | 09/13/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Final Settlement Statement shows proof the borrower did not pay the $60.00 fees. The closing costs on the CD also did not include the $60.00. It's also on the Seller final SS that the Seller paid the recording fees $60 |  |  | 09/16/2022 |  | A | 1 | XXXX | AZ | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447287 | XXXX | XXXX | 6991810 | 851 | 09/28/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require FTHB 24 months rent verified. Borrower has 15 months VOR history |  | Compensating factors; Assets after close 38k, 9082 in residual income |  |  |  | 09/28/2022 B | 2 | XXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447287 | XXXX | XXXX | 6991811 | 851 | 09/28/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require minimum 700 credit score for FTHB at 85%. Borrower credit score is 674 |  | Compensating factors; Assets after close 38k, 9082 in residual income |  |  |  | 09/28/2022 B | 2 | XXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447294 | XXXX | XXXX | 6991821 | 330 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower is required funds to close in the amount of $68,966.25. Final Application reflects Funds from XXXX in the amount of $81,977.92 which were not available in file. | received |  |  | 09/22/2022 |  | A | 1 | XXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1447294 | XXXX | XXXX | 6991822 | 330 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines 4506 is requied | received |  |  | 09/22/2022 |  | A | 1 | XXXX | FL | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1447297 | XXXX | XXXX | 6991823 | 884 | 09/20/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/04/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1447297 | XXXX | XXXX | 6991824 | 898 | 09/20/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% tolerance violation in the amount of $125 for the increase in the appraisal fee without a valid COC. Please provide a PCCD reflecting full cure along with LOX and proof of $125 refund and evidence of refund delivery. |  |  | Reviewer 09/21/2022 02:23 PM; COC provided is not valid. "Market Conditions" is not a valid reason for the increase. Refund required.<br>Client 09/29/2022 04:59 PM; The COC documented as "market conditions" is proper following the detailed explanation of said "market conditions" reported by the appraiser. Please reference bottom of page 7 and middle of page 9, lines 116 – 128 of the appraisal that yields information on the area's market condition. Please clear or escalate further.<br>Client 09/29/2022 05:12 PM; Furthermore, as we rely on the broker for appraisal invoices, we received the invoice for this appraisal on XXXX, and we were disclosed within three days of our knowledge of the increase in the 9/14/2022 revised CD. Please Clear or escalate further. <br>Reviewer 09/29/2022 05:54 PM; <br>Reviewer 09/29/2022 05:58 PM; <br>Reviewer 09/30/2022 08:23 AM; Good Morning, <br>The reason "market conditions" does not give enough reason to validate. Will you please provide more detail in to this ? Thank you<br>Reviewer 09/30/2022 08:23 AM; Good Morning, <br>The reason "market conditions" does not give enough reason to validate. Will you please provide more detail in to this ? Thank you<br>|  | 10/04/2022 | B | 2 | XXXX | CA | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1447297 | XXXX | XXXX | 6991825 | 851 | 09/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Loan Amount <$150,000.00 |  | DEVIATION REQUEST: Loan amount <$150,000000 Actual loan amountn$XXXX. (Approved by XXXX) 5% LTV Exception to 75% on Expanded BB for 4X30 on Mortgage payment in the last 12 Months COMPENSATING FACTORS: The borrower is not a credit abuser, Larg down payment of XXXX, Sufficient assets, XXXX, Expanded Approval Pricing: 7.875% (base rate) + 0.625% (LTV Exception) + 0.250% (LTV Exception) + .25% (15 day extension) = 8.999% (final rate); 0.500 (Orig fee for loan < $200,000.00) 2.000 BPC points to broker: Unstacked loan amount: $XXXX; Stacked loan amount: $XXXX |  |  |  | 09/20/2022 B | 2 | XXXX | CA | 1 | 1 C B | C | B A |  | Non-QM | 1 |
| 1447298 | XXXX | XXXX | 6991827 | 851 | 10/04/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \*GUIDELINE EXCEPTION 79% Investor concentration in condo project reqs max 65% LTV, GLs require reserves. |  | DEVIATION REQUEST: Sr Mgmt approved COC using current pricing and adding another .500pt to buy down rate another .250%. Approval is in Pricing Bucket Sr Mgmt approved litigation, condo project with 79% investor concentration with 7% LTV and 1% reserves. COMPENSATNG FACTORS: Reserves $163,729.00; 1.16 DSCR, Both borrowers are long time primary home owners 9.23.22 COC done due to new market rates published on already expired rate on this loan. 9.22.2022 Pricing: 8.125%(Base FN, 70% LTV) + .500%(DSCR+Exception for 70% LTV) + .500%(Non-Warrantable) - 1.25%(By-down w/2.5pts = 7.875% |  |  |  | 10/04/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447300 | XXXX | XXXX | 6991830 | 330 | 09/20/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Payment Shock is not to exceed 3%. |  | The exception for payment shock over 3% was granted with the following compensating factors: 755 FICO with 26 years credit history; All previous mortgages paid as agreed; not a credit abuser w/96% available revolving credit; self employed owning same business for 6 years(same line of work for 20 years) Showing stable income; High residual income of $22,960/mo |  |  |  | 09/20/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447300 | XXXX | XXXX | 6991831 | 961 | 10/03/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/06/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447301 | XXXX | XXXX | 6991832 | 851 | 09/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 6 months reserves needed for Super Prime |  | 19 year credit depth, 27 years business income, residual income of 5k. Aug 2 rate sheet. Super Prime Alt A. |  |  |  | 09/22/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447302 | XXXX | XXXX | 6991839 | 434 | 09/20/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Does not meet guideline of 6 months reserves. Assets in file are joint with an undisclosed person. | bank statement clearly states borrower is on account with JT TEN rights. As a joint tenant, the borrower has account ownership rights. That would give her full access to the money just as the other owner would have. |  | Client 09/22/2022 10:58 AM; Hi, the bank statement clearly states borrower is on account with JT TEN rights. As a joint tenant, the borrower has account ownership rights. That would give her full access to the money just as the other owner would have. Thanks.<br>Reviewer 09/22/2022 11:39 AM; deficiency has been cleared based on information provided<br>| 09/22/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447302 | XXXX | XXXX | 6991840 | 335 | 09/20/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | Lender used 40 hour work week when the written VOE and current paystubs indicate much less | VOE form from borrower employer confirms average hours per week to be 40. Paystubs indicate covid sick time was used, which accounts for the reduction in hours |  | Client 09/20/2022 03:02 PM; VOE form from borrower employer confirms average hours per week to be 40. Paystubs indicate covid sick time was used, which explains why regular hours are less during this period. Please clear or escalate further, thanks!<br>Reviewer 09/21/2022 07:57 AM; reviewed DTI calculation. Income based on paystubs and borrower employment letter. $18 x 80 hours = $1,440 x 26 bi-weekly pays / 12 = $3,120 monthly. pension = $1,525.19 monthly. Social Security = $1,963.38 monthly. Total income = $6,608.57. Total debt = $3,542.25. (PITIA = $3,160.24 + $382 total tradeline debt) Audited DTI = 53.60% exceeds guideline max<br>| 09/21/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447302 | XXXX | XXXX | 6991841 | 351 | 09/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - DTI exceeds maximum limit |  | DTI of 74.98% exceeds guideline of 50.00% for < 80% LTV | Documentation provided is sufficient. |  | Reviewer 09/21/2022 07:54 AM; Income based on paystubs and borrower employment letter. $18 x 80 hours = $1,440 x 26 bi-weekly pays / 12 = $3,120 monthly. pension = $1,525.19 monthly. Social Security = $1,963.38 monthly. Total income = $6,608.57. Total debt = (PITIA = $3,160.24 + $382 total tradeline debt $3,542.25. Audited DTI = 53.60% exceeds guideline max<br>Client 09/21/2022 03:45 PM; The discrepancy appears to be the digital fed credit union auto loan payment. Uploaded docs showing that it was paid in full. Please clear, thanks!<br>Reviewer 09/21/2022 08:07 PM; Received documentation of payment of XXXX $21,993 on 8/30/22. Provide documentation of source of funds used to make this payment. As of 6/31/22 on $19,962 was available in the XXXX and XXXX accounts.<br>Reviewer 09/22/2022 09:22 AM; document received, and deficiency has been cleared. thank you<br>Reviewer 09/30/2022 05:46 PM; Received LOE from brother, XXXX, that $21,993 was given as a gift to borrower, XXXX, to pay off the XXXX on 8/30/22. Provide completed gift letter, paper trail of the gift and AUS, 1003 and 1008 that reflects gift funds of $21,933<br>Reviewer 10/01/2022 07:56 PM; Documents received were the Death Certificate for XXXX and the same LOE from XXXX. These documents do not clear the condition.<br>Client 10/04/2022 01:28 PM; LOE from explaining payoff of the XXXX car loan does not require gift letter documentation as it is not being used as assets for loan with lender. Additionally, LOE signed from gifter confirms no repayment. Please clear or escalate further. Thanks!<br>Reviewer 10/05/2022 10:45 AM; Documentation provided is sufficient.<br>| 10/05/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447302 | XXXX | XXXX | 6991842 | 851 | 09/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment shock exceeds guideline of 2.5x when DTI is > 45% |  | Client approved due to LTV |  |  |  | 09/20/2022 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447303 | XXXX | XXXX | 6991847 | 851 | 09/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline requires min credit score of 700, borrower credit score is 689 |  | compensating factors, low ltv 60% strong mortgage history of 17 years, seasoned investor. |  |  |  | 09/21/2022 B | 2 | XXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1447305 | XXXX | XXXX | 6991848 | 440 | 09/14/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete 1040's |  | Both borrowers to sign/date 1040s for 2020 & 2021 | received/there is only 1 borrower |  |  | 09/26/2022 |  | A | 1 | XXXX | ID | 1 | 1 A | A | A |  | QM Rebuttable Presumption | 1 |
| 1447305 | XXXX | XXXX | 6991849 | 441 | 09/14/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing Business Tax Returns |  | Borrower to sign 1120 from XXXX for 2020 & 2021 | received |  |  | 09/26/2022 |  | A | 1 | XXXX | ID | 1 | 1 A | A | A |  | QM Rebuttable Presumption | 1 |
| 1447307 | XXXX | XXXX | 6991851 | 986 | 10/03/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Please provide proof of the borrower's e-consent on or prior to 8/22. | Information provided |  |  | 10/05/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1447307 | XXXX | XXXX | 6991852 | 322 | 10/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | FICO score of 623 does not meet guidelines for Expanded BB of 640. |  | Compensating Factors: Great job time of 18 years, Pride in ownership living in primary for 20 years, Low LTV of 52%. |  |  |  | 10/04/2022 B | 2 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1447307 | XXXX | XXXX | 6991853 | 330 | 10/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower had an NOD dated 06/2022. Does not meet guidelines. |  | Compensating Factors: Great job time of 18 years, Pride in ownership living in primary for 20 years, Low LTV of 52%. |  |  |  | 10/04/2022 B | 2 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1447310 | XXXX | XXXX | 6991860 | 317 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | Supply satisfactory evidence of co borrowers primary home sale evidencing $XXXX from sale used for closing of subject | received |  |  | 09/22/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447310 | XXXX | XXXX | 6991861 | 434 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Supply satisfactory evidence of 3 months reserves | received |  |  | 09/22/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447310 | XXXX | XXXX | 6991862 | 330 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Bankruptcy not 24 months from discharge |  | Exception less than 1 year granted, both borrowers show pride of ownership of renting for over 2.6 years, and living in CA Primary for 22 years, co borrower, no derogatory with 711 FICO, Low LTV of 45%, good down payment. |  |  |  | 09/22/2022 B | 2 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447310 | XXXX | XXXX | 6991863 | 326 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | Supply satisfactory evidence installment loan has been paid in full with XXXX xXXXX $266 monthly balance $6920 with funds used to payoff documented | Updated loan approval provided includes the additional debt |  | Reviewer 09/26/2022 10:32 AM; the documents received did not include satisfactory evidence installment loan has been paid in full with XXXX xXXXX $266 monthly balance $6920 with funds used to payoff documented<br>Reviewer 10/17/2022 03:40 PM; Document received did not include evidence of pay off and source of funds used to pay off XXXX XXXX $266 monthly balance $6920<br>Client 10/17/2022 04:36 PM; XXXX XXXX $266 monthly payment added to DTI calculation. Loan approval reflecting updated DTI uploaded to file. Thanks!<br>Reviewer 10/18/2022 08:24 AM; trailing document is under review<br>Reviewer 10/18/2022 08:34 AM; Condition has been cleared Thank you <br>| 10/18/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447313 | XXXX | XXXX | 6991870 | 335 | 10/06/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Calculation Incorrect |  | Loan was approved using total income of $XXXX I calculated $19076.98 x 36% expense factor = $12209.27 ($756)REO = Total income should be $XXXX a month. | received |  |  | 10/10/2022 |  | A | 1 | XXXX | IL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1447313 | XXXX | XXXX | 6991871 | 272 | 10/12/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Per the appraiser the subject's Neighborhood Characteristics is marked Rural.Per guideline rural properties require senior management approval. | received |  | Reviewer 10/12/2022 09:48 AM; The document received did not reflect a deviation request for property being rural<br>| 10/12/2022 |  | A | 1 | XXXX | IL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1447314 | XXXX | XXXX | 6991873 | 884 | 09/29/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 09/29/2022 |  | A | 1 | XXXX | TX | 1 | 13 C A | C | A |  | QM Rebuttable Presumption | 1 |
| 1447314 | XXXX | XXXX | 6991874 | 895 | 09/29/2022 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Please provide the initial CD issued and received 3 days prior to consummation |  |  |  | 09/29/2022 |  | A | 1 | XXXX | TX | 1 | 13 C A | C | A |  | QM Rebuttable Presumption | 1 |
| 1447314 | XXXX | XXXX | 6991875 | 898 | 09/29/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% Tolerance exceeded by $25 due to the increase in the doc prep fee in section B, please provide proof of refund, LOX and PCCD reflecting the cure within 60 days of consummation |  |  | Client 09/29/2022 02:11 PM; COC provided indicates 3rd party attorney changed from XXXX and XXXX who charge $125.00 doc prep fee to another company who charged $150.00. Thanks.<br>Reviewer 09/29/2022 02:47 PM; <br>Reviewer 09/29/2022 03:53 PM; Hello, <br> Def has been updated. Thank you! <br>| 09/29/2022 |  | A | 1 | XXXX | TX | 1 | 13 C A | C | A |  | QM Rebuttable Presumption | 1 |
| 1447316 | XXXX | XXXX | 6991876 | 897 | 09/23/2022 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | A PCCD needs to be issued to reflect the Total for the Recording Fees in Section E. | Information provided Per client: This is a system error, the recording fees are not included in any closing costs. client uploaded the final settlement statement to show borrower was not charged for them either |  | Client 09/26/2022 06:24 PM; This is a system error, the recording fees are not included in any closing costs. I have also uploaded the final settlement statement to show borrower was not charged for them either. Thanks.<br>Reviewer 09/27/2022 07:14 AM; <br>Reviewer 09/27/2022 09:24 AM; Settlement statement will not clear def. A PCCD with corrections is required.<br>Reviewer 09/27/2022 10:44 AM; Per client: This is a system error, the recording fees are not included in any closing costs. client uploaded the final settlement statement to show borrower was not charged for them either<br>Reviewer 09/27/2022 10:47 AM; Hello, Condition has been cleared. Thank you<br>| 09/27/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447316 | XXXX | XXXX | 6991877 | 902 | 09/23/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  | Client 09/27/2022 10:58 AM; Please clear, thank you!!<br>Reviewer 09/27/2022 11:05 AM; <br>Reviewer 09/27/2022 11:05 AM; Hello, All set. Condition has been cleared. Thank you!<br>| 09/27/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447316 | XXXX | XXXX | 6991878 | 851 | 09/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require credit report dated within 60 days of closing. Credit report is dated XXXX loan closed XXXX |  | compensating factors; assets after close of 56k, residual income of 11k |  |  |  | 09/26/2022 B | 2 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447316 | XXXX | XXXX | 6991879 | 272 | 09/28/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The XXXX Approval reflects the LTV of 82.30% Purchase price $XXXX/$XXXX. The LTV should be based off the appraised value of $XXXX which would increase the LTV to 86.48% stacked | Corrected Loan Underwriting Analysis and Loan Approval provided |  | Reviewer 09/28/2022 08:12 PM; The 1008 reflects an LTV of 82.302<br>| 09/29/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447317 | XXXX | XXXX | 6991885 | 383 | 09/19/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Divorce Decree |  | Missing divorce decree confirmation of child support payment | received |  |  | 09/19/2022 |  | A | 1 | XXXX | UT | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1447317 | XXXX | XXXX | 6991886 | 320 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Two months of consecutive statements are required for three XXXX accts #XXXX, XXXX & XXXX. Received only XXXX for each acct. | received |  |  | 10/12/2022 |  | A | 1 | XXXX | UT | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1447318 | XXXX | XXXX | 6991888 | 851 | 09/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | unstacked loan amount $XXXX below minimum loan amount of $150,000 |  | Exception granted XXXX. Good credit with excellent mortgage history for over 4 years, Good reserves of over $66,000 with additional assets in business account, Good Residual of $5462. |  |  |  | 09/26/2022 B | 2 | XXXX | IL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447318 | XXXX | XXXX | 6991889 | 387 | 09/26/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Primary residence at XXXX mortgage is not escrowed for Taxes and Insurance to be evidenced and included to Ratios, with updated final loan approval |  |  | Client 09/27/2022 05:59 PM; Please clarify deficiency. Thanks!<br>Reviewer 09/28/2022 10:33 AM; verification of taxes and insurance on the primary residence is required as it appears that full amounts are not included in escrow per the mortgage statement in file. Escrows on statement only reflect $8.83 monthly. <br>Reviewer 10/01/2022 08:46 PM; the documents received reflect the insurance is $1,386 and the taxes are $19,540 for property XXXX. Provide loan approval and 1003 to include additional $1,743 in the primary housing debt.<br>| 10/25/2022 |  | A | 1 | XXXX | IL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447325 | XXXX | XXXX | 6991898 | 322 | 10/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | FICO of 650 does not meet minimum of 700m for FTHB at 80% LTV |  | Compensating Factors: 650 mid FICO with well paid installment and revolving, 130K annual income and on job for 30+ years, 100K+ assets. |  |  |  | 10/04/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447325 | XXXX | XXXX | 6991899 | 330 | 10/04/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a 24 month rent history for a FTHB |  | Compensating Factors: 650 mid FICO with well paid installment and revolving, 130K annual income and on job for 30+ years, 100K+ assets. |  |  |  | 10/04/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447325 | XXXX | XXXX | 6991900 | 353 | 10/04/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | LA of $XXXX does not meet minimum guidelines of $150,000. |  | Compensating Factors: 650 mid FICO with well paid installment and revolving, 130K annual income and on job for 30+ years, 100K+ assets. |  |  |  | 10/04/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447330 | XXXX | XXXX | 6991908 | 884 | 10/04/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/06/2022 |  | A | 1 | XXXX | TX | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1447330 | XXXX | XXXX | 6991909 | 851 | 10/05/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Foreign National credit requires 12-months reserves |  | DEVIATION REQUEST: Senior mgmt approval to use 6 months vs 12-months COMPENSATING FACTORS: Compensating factors: ASSETS AFTER CLOSE = $19,034.10 RESIDUAL = $33,944.29, Borrower has been the CEO for 11 years and per credit report mtg has been paid AA Pricing: Note rate 7.875%, qual rate 8.250%. XXXX pricing. Base rate 7.875% + I –551 or Non Perm Resident Visa 0.250% = required rate of 8.125% Approved by XXXX |  |  |  | 10/05/2022 B | 2 | XXXX | TX | 2 | 1 C B | C | A |  | Non-QM | 1 |
| 1447641 | XXXX | XXXX | 6993285 | 884 | 09/23/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/04/2022 |  | A | 1 | XXXX | TX | 1 | 3 C B | C | B A |  | Non-QM | 1 |
| 1447641 | XXXX | XXXX | 6993286 | 898 | 09/23/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% tolerance violation for increase in underwriting fee in the amount of $176.00. The COC in the file says the fee went from lender paid to borrower paid and back to the initially disclosed at $1595 but the initial fee was $1419 and the fee was never lender paid. The COC is not valid. A PCCD along with a refund in the amount of $176.00 along with a copy of the refund check, lox to the borrower and proof of refund delivery within 60 days of consummation |  |  |  |  | 10/04/2022 | B | 2 | XXXX | TX | 1 | 3 C B | C | B A |  | Non-QM | 1 |
| 1447641 | XXXX | XXXX | 6993287 | 851 | 09/25/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require 4 tradelines, 2 active. Borrower has 6 tradelines ,1 active |  | Credit depth of 13 yrs, credit score of 767, 6 year homeowner. |  |  |  | 09/25/2022 B | 2 | XXXX | TX | 1 | 3 C B | C | B A |  | Non-QM | 1 |
| 1447641 | XXXX | XXXX | 6993288 | 323 | 09/25/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Minimum 24 months mortgage history required; Borrower VOM 18 month mortgage history. |  | Credit depth of 13 yrs, credit score of 767, 6 year homeowner. |  |  |  | 09/25/2022 B | 2 | XXXX | TX | 1 | 3 C B | C | B A |  | Non-QM | 1 |
| 1447642 | XXXX | XXXX | 6993289 | 961 | 10/11/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/17/2022 |  | A | 1 | XXXX | FL | 1 | 1 A | A | A |  | Non-QM | 1 |
| 1447643 | XXXX | XXXX | 6993292 | 851 | 10/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max payment shock 3%. |  | Long Term home ownership: good liquidity post close. Nice property. |  |  |  | 10/11/2022 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1447644 | XXXX | XXXX | 6993293 | 1009 | 10/04/2022 | Credit | UW Credit |  | UW Credit - UW - Debt clarification - Provide explanation regarding the following liability in the file |  | Per the Final 1003 (section 2C), there is an additional debt to "XXXX" ($XXXX payment, $XXXX balance). There is no evidence of this debt in the file to validate the amounts. Evidence of the debt payment & balance is needed. | received |  | Reviewer 10/06/2022 06:37 PM; Provide the payment history for the XXXX auto loan with balance of $XXXX and payment of $987. Provide the 1003 with correct debt information.<br>Reviewer 10/07/2022 09:52 AM; the 1003 received reflects the debt is with XXXX and it is revolving. The auto debt is with XXXX and the debt is not revolving. Did not receive the payment history for this debt with XXXX<br>Client 10/07/2022 01:35 PM; Per guidelines: Installment debt is a monthly obligation on accounts with fixed payments and terms. The monthly payment for installment debt used in calculating the debt ratio is the monthly payment amount indicated on the credit report, monthly statement or coupon book or installment contract. <br> Debts listed on the application, but not appearing on the credit report, must be included, unless proof of payoff is shown. Monthly payment amount verified with XXXX do<br>Reviewer 10/07/2022 02:24 PM; deficiency has been cleared<br>| 10/07/2022 |  | A | 1 | XXXX | MA | 1 | 13 C A | A | A |  | QM Rebuttable Presumption | 1 |
| 1447646 | XXXX | XXXX | 6993296 | 986 | 10/10/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Need proof of e-consent dated 9/14 or earlier. | Earliest e sig by borrower was 9/16 |  | Reviewer 10/10/2022 12:30 PM; E-consent provided is from 9/16. Earliest e-signed document is 9/14. Need e-consent from 9/14 or earlier<br>Client 10/10/2022 04:06 PM; Please clarify what document borrower e-signed on 9/14? <br>Reviewer 10/10/2022 04:19 PM; <br>Reviewer 10/10/2022 04:21 PM; Hello, this has been cleared. I did not find anything e signed by the borrower prior to 9/16. Thank you!<br>| 10/10/2022 |  | A | 1 | XXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447646 | XXXX | XXXX | 6993297 | 851 | 10/10/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines requires 24 month mortgage history. Borrower lives rent free |  | Compensating factors; 20 year job good assets, 727 fico score. |  |  |  | 10/10/2022 B | 2 | XXXX | NV | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447647 | XXXX | XXXX | 6993299 | 851 | 10/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require self employed 2 years, borrower 1099 11 months same line of work. |  | Compensating factors; experienced homeowner, 9 years perfect mtg history. Strong credit profile, 20% funds down |  |  |  | 10/11/2022 B | 2 | XXXX | WA | 1 | 1 C B | A | A |  | QM Safe Harbor | 1 |
| 1447749 | XXXX | XXXX | 7002925 | 201 | 11/16/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide the HOI policy for the subject property, copy of policy in file is for borrower's current home address not the subject property. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 6997995 | 891 | 11/11/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 6997996 | 902 | 11/11/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 6997997 | 970 | 11/11/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 6997998 | 840 | 11/11/2022 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  |  | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 6997999 | 846 | 11/11/2022 | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Missing home loan toolkit. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 7005165 | 851 | 11/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception 1- 6 months reserves required and borrower only has 3 months. Exception 2- Minimum credit score 720 with LTV over 85% and the current credit score is 718 with LTV of 88.23%. Exception 3- DTI 45% and borrower DTI is 45.686%. Compensating Factors-2 years at address, 20 years in the industry,$70k after close. |  | Compensating Factors-2 years at address, 20 years in the industry,$XXXXk after close. |  |  |  | 11/18/2022 B | 2 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447749 | XXXX | XXXX | 7005382 | 336 | 11/20/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing income information for XXXX and voe. | received |  |  | 11/30/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 7003175 | 330 | 11/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Per Guidelines First Time Homebuyer 12 months cancelled rent checks required. No verification of prior primary rent payments. Stated Rent Payments on 1003 2430.00 | received |  |  | 12/13/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6996766 | 840 | 11/10/2022 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  |  |  |  |  | 11/15/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6996769 | 902 | 11/10/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6996770 | 970 | 11/10/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6996771 | 891 | 11/10/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6997235 | 187 | 11/10/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide a copy of missing Flood Certificate. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6997236 | 201 | 11/10/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide a copy of missing Hazard Insurance policy. | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447752 | XXXX | XXXX | 6997237 | 685 | 11/10/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - Borrower names (Match to mortgage) If different audit for name affidavit |  | Please provide a copy of Missing Title Commitment | Information provided |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1447756 | XXXX | XXXX | 6994178 | 868 | 11/08/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Insurance effective date must be on or before loan disbursement date. |  | Exception per client w/ comp factors: 58 Months reserves and 721 qualifying credit score |  |  |  | 11/17/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447759 | XXXX | XXXX | 6997491 | 330 | 11/11/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR < 1% |  | Compensating Factors: 765 FICO, $200K in reserves after closing. Approved by XXXX 10/22/2022 |  |  |  | 11/11/2022 B | 2 | XXXX | NJ | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1447762 | XXXX | XXXX | 6994760 | 323 | 11/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Loan amount of $XXXX was less than the guideline minimum of $75,000 for a loan approved under the XXXX program. |  | Compensating Factors: Credit Score of 718 vs Guideline Min of 680. Reserves after closing greater than min requirement of 6 months PITI. Repeat client with proven payment history. |  |  |  | 11/08/2022 B | 2 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447762 | XXXX | XXXX | 6994565 | 219 | 11/08/2022 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Final executed copy of settlement statement is missing; please upload executed copy. |  |  |  | 11/16/2022 |  | A | 1 | XXXX | NC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447763 | XXXX | XXXX | 6996447 | 187 | 11/10/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the flood certificate for the subject property. |  |  |  | 11/15/2022 |  | A | 1 | XXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1447765 | XXXX | XXXX | 6997669 | 851 | 11/11/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Seller concession exceeds 3% of sales price, and exceeds closing costs. |  | received exception approval/ Seller paid $24,759 which was all of buyer's closing costs. Comp Factors: Borr has owned primary for 14 years, recently purchased investment property/ 785 Fico, 19 months reserves, Other entity owner has $71,000 in 401K and is guaranteeing the loan |  |  |  | 11/18/2022 B | 2 | XXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1447765 | XXXX | XXXX | 6994755 | 959 | 11/08/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | The IEADS was not found in the file. | Information provided |  |  | 11/17/2022 |  | A | 1 | XXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1447765 | XXXX | XXXX | 6994756 | 108 | 11/08/2022 | Credit | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  |  | Information provided |  |  | 11/17/2022 |  | A | 1 | XXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1447765 | XXXX | XXXX | 6994757 | 861 | 11/08/2022 | Credit | Note |  | Note - Other: |  | The Note reflected a Prepayment Penalty; however, a Prepayment Penalty to the Note was not found in the file. Furthermore, the prepayment penalty information was not found in the body of the Note. Provide Prepayment Penalty Addendum. | Information provided |  |  | 11/17/2022 |  | A | 1 | XXXX | TN | 3 | 1 D B | N/A | N/A |  | Exempt | 1 |
| 1447773 | XXXX | XXXX | 6996257 | 851 | 11/09/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Guideline for units – all units must be >/=400sqft. One of the units is XXXX sqft |  | COMPENSATING FACTORS: \*DSCR 1.313 \*All units are currently leased \*One rental comp has a smaller 3rd unit confirming not usual for area Exception Approved: XXXX 10//25/2022 Approving Authority: XXXX 10/25/2022 |  |  |  | 11/09/2022 B | 2 | XXXX | NJ | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1447775 | XXXX | XXXX | 6995426 | 851 | 11/09/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require 1 DSCR, subject is .854 |  | Compensating factors; experienced investor currently owns 3 properties, 69k reserves, 77 ltv |  |  |  | 11/09/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1447776 | XXXX | XXXX | 6994371 | 851 | 11/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | guidelines require 6 months reserves, borrower is 2 months |  | Compensating factors: Reserves $2163.50, DSCR 1.387, LTV/CLTV 68/68; FICO 687. Has 3 Investment properties. |  |  |  | 11/08/2022 B | 2 | XXXX | IL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1450285 | XXXX | XXXX | 7001641 | 330 | 11/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Credit expired 3 days prior to Note in the file. |  | The exception for the expired credit report was granted with the following compensating factors: DSCR is 1.203; Years at address is 5.5, and this is a business purpose loan. |  |  |  | 11/15/2022 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1450286 | XXXX | XXXX | 7002103 | 320 | 11/16/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing documentation of $XXXX in additional reserves; listed bank accounts on final 1003 acc# ending XXXX and XXXX were missing from the original images. | received |  |  | 11/29/2022 |  | A | 1 | XXXX | CA | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1450286 | XXXX | XXXX | 7002104 | 432 | 11/16/2022 | Credit | UW Assets |  | UW Assets - UW - Evidence of downpayment missing/incomplete |  | Missing evidence of downpayment and deposit for total of $XXXX from original images. | received |  |  | 11/29/2022 |  | A | 1 | XXXX | CA | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1450287 | XXXX | XXXX | 7002836 | 200 | 11/16/2022 | Credit | Hazard Insurance |  | Hazard Insurance - If Condo, blanket coverage policy is missing |  | The flood policy held by the Condo is in the file, but the blanket policy is missing. Please provide a copy of the blanket coverage held by the condo association. | Master Policy shows building and Unit #. This is acceptable |  | Reviewer 11/30/2022 04:33 PM; Blanket policy does not reference the borrower name, policy number or coverage. <br>Reviewer 12/22/2022 12:28 PM; Still need hazard blanket policy<br>Reviewer 12/22/2022 01:30 PM; Master blanket policy reflect at least 1 borrower name and property address with unit <br>Client 12/22/2022 04:00 PM; Please refer to the letter where it states the insurance company cannot add for each unit owner <br>Reviewer 12/22/2022 04:18 PM; <br>Reviewer 12/22/2022 04:18 PM; Hello, This has been cleared. Thank you<br>| 12/22/2022 |  | A | 1 | XXXX | MD | 3 | 1 D A | N/A | A |  | Exempt | 1 |
| 1450287 | XXXX | XXXX | 7010468 | 437 | 11/26/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | \*Only documentation to evaluate income are paystubs. VVOE is missing from this file. | received |  | Reviewer 11/30/2022 08:57 PM; The XXXX VOE states $58 per hour full time. TWN reflects only 16 hours per pay period. $58 X 16 = $928 per week or $4,021 per month. At 40 hours per week (according to pay stub) the income is $10,053 per month. 1003 reflects income of $13,920 per month from XXXX and does not match the income documentation in the file.<br>Client 12/21/2022 06:48 PM; As stated in the executive summary the borrower had a job gap due to COVID and caring for family. <br> - Worked for XXXX from 3.2010 to 10.18.2019 <br> - Started at XXXX 10.4.2021 part time and went full time 4.22 <br> Borrower went full time 4.22 and received a raise. We have 5 pay stubs documenting 40 hour work weeks. Letter with hourly wage increase from $55 to $58 is attached. <br>Reviewer 12/22/2022 12:27 PM; Deficiency previously cleared. Clearing escalation only.<br>| 12/22/2022 |  | A | 1 | XXXX | MD | 3 | 1 D A | N/A | A |  | Exempt | 1 |
| 1450287 | XXXX | XXXX | 7010469 | 439 | 11/26/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing W2s |  | \*Only documentation to evaluate income are paystubs. 2020 & 2021 W-2's are missing from this file | Documentation provided is sufficient. |  | Reviewer 11/30/2022 08:59 PM; Received 2019 and 2021 W-2's. Did not receive 2020 W-2<br>| 12/22/2022 |  | A | 1 | XXXX | MD | 3 | 1 D A | N/A | A |  | Exempt | 1 |
| 1450288 | XXXX | XXXX | 7003165 | 851 | 11/17/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR Calculation is less than 1.0%. Current DSCR Calculations Market Rent 1100.00/PITI 1234.46=0.89%. DSCR Must be greater than 1.00. DSCR< 1.00 by management exception only. No exception in file. (XXXX 8/24/2022) |  | Exception approval received/ comp factors - fico 731, owner primary residence for 3 years, and 3 additional investment properties |  |  |  | 11/18/2022 B | 2 | XXXX | MS | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1450291 | XXXX | XXXX | 7002691 | 435 | 11/16/2022 | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | The credit report in the file is dated XXXX and expired on XXXX and the Note date is XXXX. |  | Exception approval received. Comp factors - OK per XXXX/ Fico 765, reserves from subject C/O. |  |  |  | 11/18/2022 B | 2 | XXXX | LA | 3 | 13 D B | N/A | N/A |  | Exempt | 1 |
| 1450292 | XXXX | XXXX | 7002170 | 851 | 11/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | High Rise Condo at management approval and 12 month housing payment history; investor experience. Condo is over 8 floors and borrower is living rent free, currently owns real estate. |  | Excess reserves, borrower lives with brother not able to documnet monthly contributions to rent. |  |  |  | 11/16/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1450293 | XXXX | XXXX | 7003173 | 336 | 11/17/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Borrower is self employed, missing proof of income. This is a foreign national loan so need letter from CPA showing YTD and last 2 years. All documents must be translated. |  |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 2 | 1 C A | A | A |  | Non-QM | 1 |
| 1450301 | XXXX | XXXX | 7001688 | 851 | 11/15/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural property |  | Appraiser marked subject property as rural. XXXX is a small town, property is located within minutes of public facilities. All comps used in appraisal are within 4 miles of the subject. |  |  |  | 11/15/2022 B | 2 | XXXX | NY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1451957 | XXXX | XXXX | 7006385 | 898 | 10/21/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation due to increase in Credit Report with no valid coc. Please provide proof of $25.44 refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. | Information provided |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451957 | XXXX | XXXX | 7006386 | 902 | 10/21/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451957 | XXXX | XXXX | 7006387 | 330 | 10/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*First Page of the Loan Approval is missing from this file | received |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451957 | XXXX | XXXX | 7006388 | 330 | 10/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \* 1008 reflects appraised value of XXXX thus the LTV is reflecting 776.696% | received/ Value for appraisal used on loan approval was $XXXX |  | Reviewer 10/26/2022 02:42 PM; The documents received did not include th 1008/LT with the correct value of $XXXX<br>Reviewer 10/27/2022 09:44 AM; The documents received did not include th 1008/LT with the correct value of $XXXX<br>| 10/27/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451957 | XXXX | XXXX | 7006389 | 445 | 10/24/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | \*Loan Underwriting Analysis states per Senior Management ok to use income from the most recent 12 months Bank Statements. No documentation in file to verify Senior Management approved using income from the last 12 mo. This is needed as this approach is not the most conservative approach. See Below \*\*24mo Net Deposits 1,122,377.06\*90% Ownership=1,010,139.35\*89%(11% Expense Factor)=899,024.03/24= 37,459.33 \*\* The most recent 12mo Net Deposits 651,132.21/12mo=54,261.01\*90% Ownership\*0.89(11% Exp Factor)=43,463.08 should have been used Per Senior Management Approval that is missing from this file, But previously calculated income used most recent 11 months not 12mo. October was excluded. Most Recent 11 Months 602,389.21/11mo=54,726.66\*90% Ownership=49,286.39\*0.89(11% Exp Factor)=43,864.88. Most Conservative Approach if based on the Manager Approval would be to use the most recent 12 months not the most recent 11. Should have used 43,463.08 not 43,864.88. DTI is still within tolerance. | received- Per Sr Mgmt - XXXX - ok to use 12 months income analysis for DTI purposes, but leave 24 months of bank statements in file. |  |  | 10/26/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451959 | XXXX | XXXX | 7006394 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  | Information provided |  |  | 10/06/2022 |  | A | 1 | XXXX | FL | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1451959 | XXXX | XXXX | 7006395 | 330 | 10/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Using one lease for all four units being serviced as a XXXX house for DSCR calculations |  | Compensating Factors: Exception approved, Credit Depth 28 years, not a credit abuser, strong employment history which indicates stability and the likelihood of continued cash flow. |  |  |  | 10/18/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1451961 | XXXX | XXXX | 7006401 | 898 | 10/10/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 10% tolerance violation due to increase in Recording Fee with no valid coc. Please provide proof of $40.40 refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation.LOX to borrower and evidence of payment shipped is required. |  |  | Reviewer 10/11/2022 12:48 PM; Documentation provided reflects a COC dated 9/21 with a change in recording fee due to the addition of a borrower. Disclosure tracking reflects a CD was issued on 9/22. This CD has not been provided to us. Please upload the 9/22 CD so we may properly test your loan<br>| 10/12/2022 |  | A | 1 | XXXX | CO | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1451961 | XXXX | XXXX | 7006402 | 902 | 10/10/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 10/12/2022 |  | A | 1 | XXXX | CO | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1451963 | XXXX | XXXX | 7006416 | 851 | 09/28/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Rural property not permitted. Deviation Request- Property is located in a rural area. Compensating Factors-Borrower has good residual income, strong credit with low LTV. |  | Compensating Factors-Borrower has good residual income, strong credit with low LTV. |  |  |  | 09/28/2022 B | 2 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451964 | XXXX | XXXX | 7006417 | 851 | 10/17/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment Shock of 3.0x when DTI is <45% |  | Compensating factors/Exception granted: 10 years self employed., Perfect Mtg History, Credit depth of 15 years. |  |  |  | 10/17/2022 B | 2 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451964 | XXXX | XXXX | 7006418 | 389 | 10/17/2022 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Satisfactory documentation clearing FRAUD ALERT on credit report required | received |  |  | 10/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006423 | 959 | 10/11/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS is incorrect. Initial escrow account deposit shows $2,672.81, according to the Final signed CD at closing it should be $354.76. Please provide correct IEADS showing $354.76. |  |  |  | 10/14/2022 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006424 | 884 | 10/11/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/13/2022 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006425 | 898 | 10/11/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% Tolerance exceeded by $1091.22 due to the increase in Origination and Transfer tax, the CD cured $16.13, still need the remaining $1075.09 along with proof of refund, LOX and PCCD reflecting the cure within 60 days of consummation | Information provided |  |  | 10/13/2022 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006426 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES 24 Months since BK DEVIATION REQUEST CH 7 Discharged 10/2020 |  | COMPENSATING FACTORS: 1. Good re established credit after BK. 2. Excellent collateral. 3. Down payment over $140k |  |  |  | 10/14/2022 B | 2 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006427 | 851 | 10/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES FTHB 24 MO Cancelled checks or management company VOR is required. Private party VOR is not allowed. FTHB 45% max DTI DEVIATION REQUEST VOR Last 12 months residing in rental property. DTI 50% |  | COMPENSATING FACTORS: 1. Good re established credit after BK. 2. Excellent collateral. 3. Down payment over $140k |  |  |  | 10/14/2022 B | 2 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451968 | XXXX | XXXX | 7006428 | 851 | 10/14/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | FTHB, Max 45% DTI. DTI 50% |  | COMPENSATING FACTORS: 1. Good re established credit after BK. 2. Excellent collateral. 3. Down payment over $140k |  |  |  | 10/14/2022 B | 2 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451971 | XXXX | XXXX | 7006430 | 884 | 10/19/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/20/2022 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451971 | XXXX | XXXX | 7006431 | 986 | 10/19/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 9/8/2022 |  |  |  | 10/20/2022 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451972 | XXXX | XXXX | 7006433 | 851 | 10/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXX Subject property must be < 50% commercial & HOA budget must include a dedicated line item allocation to replacement reserves of at least 8% of the budget. Deviation Request- XXXX 73% commercial use w/ 86% investor concentration & no separate reserves line item; both approved by Sr management ; charging 1pt for exception. Compensating Factors- Excellent FICO w/ 95% revolving credit available, low DTI under 15% and self employed for over 20 years. |  | Compensating Factors- Excellent FICO w/ 95% revolving credit available, low DTI under 15% and self employed for over 20 years. |  |  |  | 10/06/2022 B | 2 | XXXX | PA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1451973 | XXXX | XXXX | 7006435 | 321 | 10/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Borrower has less than minimum tradelines and credit history. |  | The exception for less than required tradelines and credit history was granted with the following compensating factors: 20% own funds down; Nice Collateral; Strong Assets post-close; excellent payment shock (1.00x) and strong rent history. |  |  |  | 10/17/2022 B | 2 | XXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451973 | XXXX | XXXX | 7006436 | 322 | 10/17/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The borrower has a 668 FICO which is less than the required FICO of 700 for First Time Homebuyer. |  | The exception for less than required FICO was granted with the following compensating factors: 20% own funds down; Nice Collateral; Strong Assets post-close; excellent payment shock (1.00x) and strong rent history. |  |  |  | 10/17/2022 B | 2 | XXXX | MT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451974 | XXXX | XXXX | 7006437 | 861 | 10/11/2022 | Credit | Note |  | Note - Other: |  | Articles of incorporation or other evidence the borrowers are allowed to sign for XXXX is missing. Please provide evidence both XXXX and XXXX are allowed to sign on behalf of XXXX. | Information provided |  |  | 10/12/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1451974 | XXXX | XXXX | 7006438 | 861 | 10/11/2022 | Credit | Note |  | Note - Other: |  | The Guaranty is only signed by XXXX; it must be signed by both XXXX and XXXX. Additionally, the Guaranty in file states "Signatures must be notarized. Please use jurisdiction-appropriate notary acknowledgement form(s)." However, the Guaranty is not notarized. Since the form used requires it, please be sure the copy signed by both borrowers is also notarized. | Information provided |  | Client 10/12/2022 04:24 PM; LMC does not require Personal Guaranty to be notarized, please clear. <br>Reviewer 10/12/2022 06:41 PM; <br>Reviewer 10/13/2022 09:02 AM; Update: Rec'd newly uploaded guaranty but XXXXs name is not on page 8 and the signature added to the signature line does not match XXXX's signature on all other closing docs. In addition, the form provided by XXXX states that it must be notarized. Please provide clarification and a guaranty w/ the CoBorrower's name and signature on page 8. <br>Reviewer 10/13/2022 09:03 AM; Hello, I reviewed what was uploaded and I added the following follow up comments: Rec'd newly uploaded guaranty but XXXX's name is not on page 8 and the signature added to the signature line does not match XXXX's signature on all other closing docs. In addition, the form provided by XXXX states that it must be notarized. Please provide clarification and a guaranty w/ the CoBorrower's name and signature on page 8. Thank you<br>Client 10/14/2022 10:43 AM; LMC does not require this to be notarized and we have never gotten the guaranty notarized on other files. Thanks.<br>Reviewer 10/14/2022 10:53 AM; Hello, there are 2 separate issues. 1. This is still not completed on page 2. The following comments were not addressed: Update: Rec'd newly uploaded guaranty but XXXX's name is not on page 8 and the signature added to the signature line does not match XXXXs signature on all other closing docs. 2. Also, please upload an LOX to the file stating that XXXX is not requiring their form that indicates a notary signature is required so that it<br>Reviewer 10/14/2022 10:53 AM; <br>Reviewer 10/14/2022 11:45 AM; Escalated for review<br>| 10/14/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1451978 | XXXX | XXXX | 7006445 | 330 | 10/13/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Non Arms Length Transaction on an Investment Property. Borrower purchased the subject property from a business partner. |  | Approved by Senior Management with the following Compensating Factors: Over $25,000 monthly in residual income. 728 FICO and 16 years credit history. |  |  |  | 10/13/2022 B | 2 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1451982 | XXXX | XXXX | 7006450 | 902 | 10/24/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 10/25/2022 |  | A | 1 | XXXX | KS | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451982 | XXXX | XXXX | 7006451 | 970 | 10/24/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. |  |  |  | 10/25/2022 |  | A | 1 | XXXX | KS | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451982 | XXXX | XXXX | 7006452 | 851 | 10/24/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Max 65% LTV for Rural Properties |  | DEVIATION REQUEST: 70% LTV for Rural Property approved by Senior Manager, XXXX COMPENSATING FACTORS: Good residual income of $5500/mo; Excellent collateral; S/E for over 5 years showing stable income. September 6th EXP AA: 7.375% (base) +.25 (12mos bk stmts) +.50 (Rural Property) -.50 (buydown) = 7.625%; .50% to LMC for loan amt <$200K; 1.5% to LMC for buydown; 2% BPC; unstacked $XXXX/stacked $XXXX |  |  |  | 10/24/2022 B | 2 | XXXX | KS | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451983 | XXXX | XXXX | 7006453 | 851 | 10/17/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan amount $150000; 24 month rent history required. |  | Compensating Factors: Loan just below minimum $XXXX. Approved by XXXX; 19 months rent history just shy of full 24 months. Approved by XXXX. Low payment shock of 1.18%. Good residential of $5326, Good reserves of over $10,000. |  |  |  | 10/17/2022 B | 2 | XXXX | MN | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1451985 | XXXX | XXXX | 7006455 | 986 | 10/18/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 9/20/2022. |  |  |  | 10/18/2022 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1451988 | XXXX | XXXX | 7006459 | 851 | 10/31/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Income from two sources W2 & 12 month bank statement for self employment has been approved by SR Mgmt |  | Compensating factors: 15 year credit depth PPA FICO 782, 20 Yrs S/E Business income, Residual income of $14k, Sept 6 rate sheet - Super Prime Approval. |  |  |  | 10/31/2022 B | 2 | XXXX | MT | 1 | 1 A B | A | A |  | Non-QM | 1 |
| 1451993 | XXXX | XXXX | 7006462 | 320 | 10/17/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing verification of $250,000 gift funds | received |  |  | 10/17/2022 |  | A | 1 | XXXX | SC | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1451996 | XXXX | XXXX | 7006464 | 986 | 10/25/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 9/27/2022. |  |  |  | 10/26/2022 |  | A | 1 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1451996 | XXXX | XXXX | 7006465 | 851 | 10/26/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- Non Warrantable High Risk - Required to be reviewed by Senior Management and FTHB-requires 24 months rental payment checks/ receipts. Deviation Request-Non Warrantable Condo approves with .75% add to rate and FTHB with no 24 month rental history (lives with parents). Compensating Factors- Good FICO and payment history, salaried employee with same employer 2+ years, excellent collateral location and HOA ammenities. |  | Compensating Factors- Good FICO and payment history, salaried employee with same employer 2+ years, excellent collateral location and HOA ammenities. |  |  |  | 10/26/2022 B | 2 | XXXX | NJ | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1452002 | XXXX | XXXX | 7006471 | 330 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Maximum number of properties owned is limited to 10. |  | The exception was granted for the borrower exceeding the maximum of properties owned with the following compensating factors: Great assets from a 1031 Exchange, good pride in ownership being in a primary residence for 23 years, and great credit with a FICO of 764. |  |  |  | 11/01/2022 B | 2 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452003 | XXXX | XXXX | 7006472 | 330 | 11/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Maximum number of properties owned is limited to 10. |  | The exception was granted for the borrower exceeding the maximum of properties owned with the following compensating factors: Great assets from a 1031 Exchange, good pride in ownership being in a primary residence for 23 years and great credit with a FICO of 764. |  |  |  | 11/02/2022 B | 2 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452004 | XXXX | XXXX | 7006473 | 72 | 10/31/2022 | Credit | Closing Package |  | Closing Package - |  | Loan approval does not match closing docs. Loan was locked and underwritten as a 40 yr Fixed 10 yr IO loan, but closed as a 30 yr fixed 10 yr IO loan. |  |  | Client 11/14/2022 10:54 AM; Hi, term is correct, it is a 10 yr I/O 30 yr term loan. Thanks.<br>Reviewer 11/14/2022 11:10 AM; <br>Reviewer 11/14/2022 11:39 AM; Need updated approval showing correct loan terms as 30 yr fixed 10 yr IO loan<br>Reviewer 11/14/2022 11:40 AM; Hello, <br> An updated approval showing correct loans terms is needed. Thanks!<br>Reviewer 11/14/2022 01:10 PM; Approval provided does not reflect the loan terms<br>| 11/15/2022 |  | A | 1 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452004 | XXXX | XXXX | 7006474 | 330 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower has more than 10 properties. |  | The exception was granted for the borrower exceeding the maximum of properties owned with the following compensating factors: Great assets from a 1031 Exchange, good pride in ownership being in a primary residence for 23 years, and great credit with a FICO of 764. |  |  |  | 11/01/2022 B | 2 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452008 | XXXX | XXXX | 7006479 | 884 | 10/21/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 10/24/2022 |  | A | 1 | XXXX | ID | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452008 | XXXX | XXXX | 7006480 | 970 | 10/21/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Need the final CD signed and dated on the closing date of XXXX. | Information provided |  |  | 10/24/2022 |  | A | 1 | XXXX | ID | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452008 | XXXX | XXXX | 7006481 | 973 | 10/21/2022 | Compliance | Compliance |  | Compliance - CD- Other |  | Please provide Proof loan has disbursed or funded. |  |  |  | 10/24/2022 |  | A | 1 | XXXX | ID | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452010 | XXXX | XXXX | 7006486 | 877 | 10/23/2022 | Compliance | AUS |  | AUS - Other: |  | 1008 or Loan approval required. |  |  |  | 10/25/2022 |  | A | 1 | XXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1452014 | XXXX | XXXX | 7006488 | 986 | 10/20/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 10/04/2022. | Information provided |  |  | 10/21/2022 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452014 | XXXX | XXXX | 7006489 | 110 | 10/20/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  | Legal description is missing, please provide legal description described as "exhibit A" | Information provided |  |  | 10/21/2022 |  | A | 1 | XXXX | TX | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1452015 | XXXX | XXXX | 7006493 | 851 | 10/31/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Use of short term market rentals, approved by senior management |  | Compensating factors; Assets after close, in file since 1996, |  |  |  | 10/31/2022 B | 2 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1452015 | XXXX | XXXX | 7006494 | 272 | 10/31/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Desk review in file, photo is not subject property does not match appraisal. Provide updated corrected desk review. | Additional comment made by CDA review appraiser confirms that this photo was the only available on-line. Confirmed that the property was recently completely renovated. CDA supports OA. |  | Client 11/02/2022 05:00 PM; Please see comments on updated appraisal review as to why picture was used. The property was completely renovated and rebuilt, therefore there is no updated picture available online. The appraisal review now states this on the second page. Thanks.<br>Reviewer 11/02/2022 09:22 PM; The photo on the desk review does not look anything like the photo in the appraisal.<br>Reviewer 11/03/2022 07:35 AM; deficiency is cleared<br>| 11/03/2022 |  | A | 1 | XXXX | NJ | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1452016 | XXXX | XXXX | 7006497 | 851 | 10/30/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Payment Shock is limited to 300%. Payment Shock is 346.93%. Guideline Exception in file states Payment shock over 3% approved by XXXX, XXXX but 3% is within guidelines. Explanation needed. |  | Exception received/ payment shock over 300% comp factors - High residual income of $12,000/monthly; S/E owning same business since 2014 showing stable income; 780 FICO with 20yrs f excellent credit history; mortgage paid as agreed Oct 1st Exp AA: 8.5% (base) -.125 (LA>$750L) +.125 (24 mo bk stmt) = 8.50%; 1% to LMC for payment shock; 2.75% BPC; loan amount %816,000.00 (not stacking) |  |  |  | 10/31/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1452016 | XXXX | XXXX | 7006498 | 851 | 10/30/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Payment Shock not to exceed 3% |  | DEVIATION REQUEST Payment shock over 3% approved by Senior Operations Management,XXXX COMPENSATING FACTORS: High residual income of $12,000/monthly; S/E owning same business since 2014 showing stable income; 780 FICO with 20yrs f excellent credit history; mortgage paid as agreed Oct 1st Exp AA: 8.5% (base) -.125 (LA>$750L) +.125 (24 mo bk stmt) = 8.50%; 1% to LMC for payment shock; 2.75% BPC; loan amount %816,000.00 (not stacking) |  |  |  | 10/30/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1452017 | XXXX | XXXX | 7006499 | 851 | 11/04/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-3.00 max for DTI < 45% Deviation Request- Allow 5.53x pay shock Compensating Factors-Credit depth 16 years, fico 800/806, homeowners 15 years, mortgage PAA, $175698 reserves equal to months PITI on purchase property. |  | Compensating Factors-Credit depth 16 years, fico 800/806, homeowners 15 years, mortgage PAA, $175698 reserves equal to months PITI on purchase property. |  |  |  | 11/04/2022 B | 2 | XXXX | UT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1452217 | XXXX | XXXX | 7008827 | 434 | 11/23/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Asset statement (min 60 days) verifying min 6 months reserve $15315.78 is missing from the file. |  |  |  | 11/29/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1452223 | XXXX | XXXX | 7010247 | 851 | 11/25/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 6 month seasoning required for cash out with no restrictions, subject 5 month seasoning borrower acquired XXXX |  | Compensating factors; 1.462 DSCR, 65% LTV |  |  |  | 11/25/2022 B | 2 | XXXX | OH | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1452228 | XXXX | XXXX | 7012708 | 270 | 11/29/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Satisfactory 2nd Appraisal Report |  | Secondary evaluation required supporting appraisal $XXXX within tolerances. | received |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1452228 | XXXX | XXXX | 7012709 | 320 | 11/29/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | satisfactory evidence of 1031 exchange funds of $170,521.92 noted on closing disclosure | received |  |  | 12/01/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1452228 | XXXX | XXXX | 7012712 | 330 | 11/29/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory evidence of Fraud report with all high and medium alerts cleared | Associated with the 1031 Exchange Not on the loan |  | Reviewer 12/01/2022 07:31 PM; The document received did not include XXXX, XXXX, and XXXX in the participant search.<br>Client 12/02/2022 12:33 PM; Could you please provide more details regarding these participants? XXXX, and XXXX?<br>Reviewer 12/02/2022 06:02 PM; On the CD Bottom Right- hand corner - looks like XXXX or maybeXXXX<br>Reviewer 12/05/2022 07:20 AM; The HUD reflects signatures from XXXX, and XXXX? Thank you <br>Client 12/06/2022 04:50 PM; There was a 1031 exchange, and they were associated with the sale of the properties involved in the 1031 exchange, but not our loan. <br>Reviewer 12/07/2022 07:36 AM; Condition has been cleared Thank you <br>| 12/07/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1452232 | XXXX | XXXX | 7013291 | 330 | 11/30/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Satisfactory fraud report with all high and medium alerts cleared | Appraisal was completed by XXXX |  | Reviewer 12/02/2022 01:37 PM; The fraud report received did not include XXXX and XXXX in the participant search <br>Client 12/13/2022 02:04 PM; Appraisal was completed by XXXX by XXXX.<br>Reviewer 12/13/2022 03:56 PM; Condition has been cleared Thank you <br>| 12/13/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7013313 | 336 | 11/30/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Supply satisfactory evidence borrower is 100% owner of XXXX | received |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7013324 | 336 | 11/30/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Supply satisfactory verification of business, for XXXX | received |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7011945 | 272 | 11/29/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing appraisal review with CU score of 2.5 or less or desk review. |  |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008549 | 840 | 11/22/2022 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  |  | Information provided |  |  | 12/13/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008550 | 891 | 11/22/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008551 | 902 | 11/22/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/13/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008552 | 970 | 11/22/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008618 | 187 | 11/23/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing. | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008619 | 201 | 11/23/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard Insurance is missing. | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008620 | 666 | 11/23/2022 | Compliance | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Sales Contract missing | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452232 | XXXX | XXXX | 7008621 | 688 | 11/23/2022 | Credit | Title Commitment |  | Title Commitment - Compliance \ Title Commitment - If purchase, current owner must match current owner on Appraisal and Sales Contract |  | Commitment is missing so owner cannot be verified | Information provided |  |  | 12/02/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1452233 | XXXX | XXXX | 7008901 | 851 | 11/23/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR 1 or greater - DSCR at .948 |  | exception granted: Reserves 55k excess, FN Borrower purchasing Investment- current has seasoned domestic funds to close - sufficient credit reference letters provided |  |  |  | 11/23/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1452233 | XXXX | XXXX | 7008934 | 272 | 11/23/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Supply satisfactory 1007 from appraiser confirming current monthly market rents of $3500 for subject. | received |  |  | 11/29/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A C |  | Exempt | 1 |
| 1452235 | XXXX | XXXX | 7009939 | 330 | 11/24/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Minimum DSCR required is 1.00 and loan is at .88 DSCR. |  | The exception was granted for less than required DSCR with the following compensating factors: Reserves of $205K, 12 years residence in the primary; Not a first-time investor, has 20 years of on-time payments for mortgages. This is a purchase borrower who provided unsigned new leas for the subject and LOE. Rents on new lease are higher than market rents on appraisal 1007. Using 1007 rents of $2400 to qualify. |  |  |  | 11/24/2022 B | 2 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452235 | XXXX | XXXX | 7009940 | 320 | 11/24/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing verification of all assets. Final 1003 lists assets from acc# XXXX, XXXX and XXXX, to be used for closing and reserves. | received |  |  | 11/29/2022 |  | A | 1 | XXXX | TX | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1452241 | XXXX | XXXX | 7012735 | 1108 | 11/29/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing desk review |  |  |  | 12/02/2022 |  | A | 1 | XXXX | SC | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1452241 | XXXX | XXXX | 7012736 | 389 | 11/29/2022 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report | XXXX law is on page 95 of the Fraud Report |  | Reviewer 12/02/2022 01:29 PM; The fraud report received did not include XXXX in the participant search<br>Client 12/16/2022 02:57 PM; XXXX is included on Fraud Guard report.<br>Reviewer 12/16/2022 03:27 PM; Condition has been cleared Thank you <br>Client 01/18/2023 12:27 AM; Hi, this condition is still open but comments were made on 12/16/22 that the condition was cleared?<br>Reviewer 01/18/2023 08:20 AM; Condition has been cleared Thank you <br>| 01/18/2023 |  | A | 1 | XXXX | SC | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1452241 | XXXX | XXXX | 7012277 | 959 | 11/29/2022 | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | IEADS initial balance of $580.27 does not match settlement state initial balance of $580.20. (IEADS and Pmt Letter use $33.34 for the monthly liability insurance and the settlement statement uses $33.33.) |  |  |  |  |  | B | 2 | XXXX | SC | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7015906 | 272 | 12/02/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal review product missing |  |  |  | 12/17/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7009830 | 187 | 11/23/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Flood Certificate is missing. | Information provided |  | Reviewer 11/28/2022 01:22 PM; Nothing uploaded to clear<br>| 12/13/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7009839 | 201 | 11/23/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Hazard Insurance is missing. | Information provided |  | Reviewer 11/28/2022 01:22 PM; Nothing uploaded to clear<br>| 12/13/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7015099 | 258 | 12/02/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | \*Appraisal is Subject to 1004 is missing from this file | received |  |  | 12/13/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7015100 | 330 | 12/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*Fraud Report is missing from this file | received |  | Reviewer 12/13/2022 08:59 PM; The participant search did not include XXXX, XXXX<br>Reviewer 12/19/2022 06:03 PM; The document received did not include XXXX, in the participant search <br>| 12/21/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7015102 | 998 | 12/02/2022 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | \*Title is missing from this file | received |  | Reviewer 12/13/2022 08:51 PM; Provide evidence the ECB violation on the title report does not belong to borrower or is paid in full.<br>| 12/17/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452246 | XXXX | XXXX | 7015103 | 272 | 12/02/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | \*SSR Report is missing from this file | received |  |  | 12/13/2022 |  | A | 1 | XXXX | NY | 3 | 1 D A | N/A | N/A C |  | Exempt | 1 |
| 1452250 | XXXX | XXXX | 7012463 | 861 | 11/29/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. There is a fully executed Prepayment Addendum to the Note in the file, however, the terms on the Prepayment Penalty Addendum are not completed. Please provide corrected Note and/or Prepayment Addendum and confirm the prepayment terms. (Currently no prepayment term is listed & also Prepayment charge will equal BLANK % of the amount prepaid). | per client no PPP: There should not be a prepayment rider included with this file (it should have been deleted from the signed docs) |  | Client 12/02/2022 02:13 PM; There should not be a prepayment rider included with this file (it should have been deleted from the signed docs) <br>Reviewer 12/02/2022 02:21 PM; <br>Reviewer 12/02/2022 02:21 PM; Hello, there was a fully executed Addendum to the Note provided to us. (it was signed but blank terms). I have cleared the condition with comments that there is no PPP. Thank you<br>| 12/02/2022 |  | A | 1 | XXXX | PA | 3 | 13 A | N/A | N/A |  | Exempt | 1 |
| 1452252 | XXXX | XXXX | 7010439 | 434 | 11/25/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Missing documentation verifying bank account #XXXX to satisfy reserve requirement. | Documentation provided is sufficient. |  | Reviewer 11/29/2022 07:03 PM; Document received reflects a deposit on 11/14/22 of $11,044 from XXXX. Provide documentation of this source of funds.<br>Client 11/30/2022 05:47 PM; This is a XXXX- DSCR therefore atypical large deposit do not need to be sourced per guidelines.<br>Reviewer 12/01/2022 09:09 AM; Documentation provided is sufficient.<br>| 12/01/2022 |  | A | 1 | XXXX | NC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1452256 | XXXX | XXXX | 7010488 | 272 | 11/26/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | CDA provided by XXXXs, will need to correct date of report on page on (3/10/22)- to match signature date noted as 10/19/22 | received |  |  | 11/29/2022 |  | A | 1 | XXXX | MI | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1453779 | XXXX | XXXX | 7013841 | 201 | 11/30/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide a copy of Hazard Insurance policy for review | Information provided |  |  | 12/06/2022 |  | A | 1 | XXXX | KY | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1453781 | XXXX | XXXX | 7014088 | 851 | 12/01/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Tradeline requirement not met |  | COMPENSATING FACTORS: \*Long time AHL Client \*Has Paid all accounts as agreed \*768 FICO \*70% LTCV Approved By: XXXX XXXX |  |  |  | 12/01/2022 B | 2 | XXXX | AZ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1453782 | XXXX | XXXX | 7015268 | 851 | 12/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LLC being in existence for 2 years. Prior XXXX formed XXXX. |  | Reserves $17251.72, DTI 9.213/13.79, LTV 35.56%, FICO 718, 11 years on job. The current business was incorporated 12 months ago but Borrower has been self employed in same line of work for 11 years. |  |  |  | 12/02/2022 B | 2 | XXXX | FL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1453782 | XXXX | XXXX | 7015279 | 851 | 12/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 12 months mortgage payments. Borrower bought the house in November 2021 and has made 11 payments vs 12. |  | DTI 15.79%, LTV 35%, FICO 718, Low DTI/LTV, paying off hard money loan. |  |  |  | 12/02/2022 B | 2 | XXXX | FL | 1 | 3 C B | A | A |  | Non-QM | 1 |
| 1453785 | XXXX | XXXX | 7014793 | 862 | 12/01/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Planned Unit Development Rider to the Deed of Trust was illegible. Please provide legible copy, updated Deed of Trust and a Letter of Intent to Re-record. | Information provided |  | Reviewer 12/02/2022 09:39 AM; New docs uploaded still have a corrupt pud rider (pg 68 of upload) please upload clear copy of PUD Rider<br>| 01/04/2023 |  | A | 1 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1453785 | XXXX | XXXX | 7015142 | 851 | 12/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV 80% - exceeds guideline max LTV of 75%. |  | Application for residency has been initiated for both borrowers - LOW provided and application indicating delays with immigration in approval. Both Borrowers are considered asylum applicants in pending status. |  |  |  | 12/02/2022 B | 2 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1453785 | XXXX | XXXX | 7015242 | 330 | 12/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Documentation addressing forbearance/modification for XXXX #XXXX (unpaid second principal balance $XXXX) missing from file. Documentation must meet Forbearance Guidelines. All deferred/postposed payments are considered missed payments. Loan may not be eligible. | This was a covid forbearance and borrowers deferred balance are the payments missed during that time. More than 3 payments have been made on time per the credit report and mortgage statements supplied |  | Client 12/16/2022 05:46 PM; This was a covid forbearance and borrowers deferred balance are the payments missed during that time. More than 3 payments have been made on time per the credit report and mortgage statements supplied.<br>Reviewer 12/19/2022 12:57 PM; This was a covid forbearance and borrowers deferred balance are the payments missed during that time. More than 3 payments have been made on time per the credit report and mortgage statements supplied<br>| 12/19/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1453787 | XXXX | XXXX | 7015012 | 271 | 12/01/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Per appraisal property is Rural. Rural property is ineligible per guidelines. |  |  |  |  |  | 12/05/2022 B | 2 | XXXX | GA | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1453788 | XXXX | XXXX | 7015826 | 851 | 12/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | No primary housing history provided | Property profile provided. |  | Client 12/05/2022 06:40 AM; No Exception needed- property in husband name- property profile and marriage cert provided. (Uploaded again)<br>Reviewer 12/05/2022 08:05 AM; Property profile provided.<br>| 12/05/2022 |  | A | 1 | XXXX | NJ | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1453788 | XXXX | XXXX | 7013545 | 459 | 11/30/2022 | Credit | Note |  | Note - is missing - No Image of Note found in file |  | Executed copy of Note not in file; please upload. | Information provided |  | Client 12/05/2022 06:39 AM; Note uploaded again- <br>Reviewer 12/05/2022 07:22 AM; <br>Reviewer 12/05/2022 08:49 AM; Hello, This has been cleared. We had a few copies of the Note before but none were executed. Thank you!<br>| 12/05/2022 |  | A | 1 | XXXX | NJ | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1455176 | XXXX | XXXX | 7018956 | 851 | 12/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- DSCR 1 or greater. Exception-DSCR is .952 Compensating Factors-FICO is 786 and excess cash-out of $200k. |  | Compensating Factors-FICO is 786 and excess cash-out of $200k. |  |  |  | 12/06/2022 B | 2 | XXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455179 | XXXX | XXXX | 7019076 | 330 | 12/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The rent loss coverage is less than the required 6 months rent. The required is $14,400 and current policy coverage is $12,800 |  | The exception for less than the required rental loss insurance coverage was granted with the following compensating factors: Reserves are $25,957; 726 FICO; 10+ years of monthly payments; the borrower is a seasoned investor and numerous additional investments. |  |  |  | 12/06/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455179 | XXXX | XXXX | 7019077 | 330 | 12/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR is less than required 1.00. |  | The exception for less than the required DSCR ratio was granted with the following compensating factors: Reserves are $25,957; 726 FICO; 10+ years of monthly payments; the borrower is a seasoned investor and numerous additional investments. |  |  |  | 12/06/2022 B | 2 | XXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455181 | XXXX | XXXX | 7018732 | 327 | 12/06/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Missing 12 month rent cancelled checks for FTHB | received VOR |  |  | 12/08/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018889 | 187 | 12/06/2022 | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide a copy of missing Flood Certificate. | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018890 | 201 | 12/06/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  | Please provide a copy of missing hazard insurance policy | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018891 | 824 | 12/06/2022 | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide a copy of missing title commitment/policy. | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018892 | 29 | 12/06/2022 | Valuation | Appraisal |  | Appraisal - is missing |  | Please provide a copy of missing appraisal report. | Information provided |  |  | 12/08/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018375 | 840 | 12/06/2022 | Compliance | Disclosure |  | Disclosure - HPML- need evidence of rate lock date with borrower |  |  | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018378 | 891 | 12/06/2022 | Compliance | Compliance |  | Compliance - TRID LE- Initial LE not disclosed within 3 days of Application |  | Missing image of LE in file. | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018379 | 902 | 12/06/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7018380 | 970 | 12/06/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. | Information provided |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455203 | XXXX | XXXX | 7018058 | 72 | 12/06/2022 | Credit | Closing Package |  | Closing Package - |  | Final HUD/Settlement statement is missing. | Information provided |  | Reviewer 12/08/2022 12:49 PM; Doc uploaded is estimated. Need final HUD/settlement statement <br>| 12/19/2022 |  | A | 1 | XXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1455213 | XXXX | XXXX | 7018760 | 258 | 12/06/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Missing Final Inspection/Completion Cert. from original images. | received LOE |  |  | 12/13/2022 |  | B | 2 | XXXX | LA | 3 | 1 B A |  | N/A C B |  | Exempt | 1 |
| 1455213 | XXXX | XXXX | 7018761 | 272 | 12/06/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Missing exception approval for Rural property. |  | Exception approval received/ Comp factors - Most comps within reasonable distance, rental comps within 5 miles, schools, employment and other public facilities are located within a convenient commuting distance. |  |  |  | 12/13/2022 B | 2 | XXXX | LA | 3 | 1 B A |  | N/A C B |  | Exempt | 1 |
| 1455220 | XXXX | XXXX | 7018620 | 219 | 12/06/2022 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Final executed copy of HUD1/Settlement Statement missing. Please upload for review. | Information provided |  |  | 12/16/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455221 | XXXX | XXXX | 7019312 | 328 | 12/07/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Provide payment history for XXXX mortgage being paid off with subject loan. Mortgage is not on the credit report. | received |  | Reviewer 12/14/2022 09:27 PM; The document received did not include the payment history<br>| 12/16/2022 |  | A | 1 | XXXX | IN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1455224 | XXXX | XXXX | 7019269 | 901 | 12/07/2022 | Compliance | Compliance |  | Compliance - TRID Other |  | This loan failed the high-cost mortgage points and fees threshold test in the amount of $461.89. If the starting/undiscounted rate is provided as evidence the discount points are bona fide we can further review | Information provided |  | Reviewer 01/05/2023 01:35 PM; Please highlight, circle or underline undiscounted starting rate. <br>| 01/09/2023 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455224 | XXXX | XXXX | 7019270 | 902 | 12/07/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 01/09/2023 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455275 | XXXX | XXXX | 7017280 | 851 | 09/27/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines limit max number of properties to one borrower 10. allow borrower to have more than 10 properties with XXXX |  | Compensating factors; low ltv 60%, experienced investor, |  |  |  | 09/27/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455275 | XXXX | XXXX | 7017281 | 961 | 10/03/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/06/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455277 | XXXX | XXXX | 7017285 | 986 | 11/01/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 06/10/2022. |  |  |  | 11/02/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1455277 | XXXX | XXXX | 7017286 | 851 | 11/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- MAX CLTV is based on program max ltv and 3 months required for program. Deviation Request- CLTV maxed at 99% per mgmt and mgmt approval to use reserves of $17013 which is less than 3 months required reserves. Compensating Factors- In file since 1976, assets after close $17013, residual $36305, 44 year job time, 20 years in the subject property, cltv less than 99%. |  | Compensating Factors- In file since 1976, assets after close $17013, residual $36305, 44 year job time, 20 years in the subject property, cltv less than 99%. |  |  |  | 11/02/2022 B | 2 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1455277 | XXXX | XXXX | 7017287 | 851 | 11/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed to use appraisal dated XXXX. | received/recert of Value |  |  | 11/03/2022 |  | A | 1 | XXXX | CA | 1 | 13 C B | C | A |  | Non-QM | 1 |
| 1455279 | XXXX | XXXX | 7017291 | 330 | 09/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*\* Payment Shock Max 3.0X when DTI is less than 45%. The current Payment Shock is 499.58%. Payment shock of 499.58% does not meet the guidelines. No Notes or Exception found in file for Payment Shock. | prior payment $3000 in rents noted on loan details |  |  | 09/07/2022 |  | A | 1 | XXXX | FL | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1455281 | XXXX | XXXX | 7017292 | 884 | 09/02/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 09/08/2022 |  | A | 1 | XXXX | OK | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1455284 | XXXX | XXXX | 7017318 | 321 | 08/29/2022 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | Guidelines state FTHB must have 2 tradelines with a high credit of $5,000 for 12 months. Borrower has high credit of $3000 |  | compensating factors 705 credit score, low DTI 7.642 |  |  |  | 08/29/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455284 | XXXX | XXXX | 7017319 | 434 | 08/29/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Guidelines require 6 months reserves borrower has 4.09 months |  | compensating factors 705 credit score, low DTI 7.642 |  |  |  | 08/29/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455285 | XXXX | XXXX | 7017320 | 884 | 09/29/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  |  |  |  | 10/04/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1455285 | XXXX | XXXX | 7017321 | 898 | 09/29/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 0% tolerance violation in the amount of $20 for the increase in the XXXX Management fee without a valid COC. Please provide a PCCD reflecting full cure along with lox and proof of refund and receipt of refund for $20. |  |  |  |  | 10/04/2022 | B | 2 | XXXX | TX | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1455285 | XXXX | XXXX | 7017322 | 1024 | 09/29/2022 | Credit | UW Assets |  | UW Assets - UW - Gift Receipt |  | Final Closing statement to show evidence of Gift funds $XXXX wired to closing. | Wire transfer in file to Closing title |  |  | 09/30/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1455289 | XXXX | XXXX | 7017331 | 851 | 09/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION MAX DTI 45% |  | DEVIATION REQUEST: ALLOW DTI OVER 45% COMPENSATING FACTORS: CURRENT PRIM FOR 10YRS, 33 YRS SE, RESIDE $4112, RESERV $43,275.00 PRICING NDATED 8/2 8.625% (8.25 + .125 BK STMTS + .25 DTI > 45%=8.265) .25 TO LMC FOR DTI EXCEPTION & 2.0 BPC |  |  |  | 09/07/2022 B | 2 | XXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455295 | XXXX | XXXX | 7017338 | 851 | 09/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | guidelines, 24 months cancelled rent checks required for first time home buyer. |  | Compensating factors; 17 yr credit depth, 15 years in profession. Residual income 8k per month. Sept 6 rate sheet. Expanded A Approval. Final rate: 7.75. Base rate:8.125 + .125% for 24 month bank stmt. 1.0 pt for rate buy down .50. 1.50 pts to LPC offset. Unstacked amount: $XXXX. Stacked amount: $XXXX. |  |  |  | 09/18/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455296 | XXXX | XXXX | 7017339 | 851 | 09/13/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | WVOR from a private landlord in combination with canceled rent checks with only 5 months mortgage history for a new/current primary residence to get a 0x30x24 housing history. Guidelines state that Private Landlords or Lenders for residence history require full canceled checks or bank statements to document history. |  | COMPENSATING FACTORS: (1) FICO score of 762. (2) 2 mortgages, 13 installment, 10 revolving accounts in history. (3) 99% revolving credit still available. Not a credit abuser. (4) Excellent credit & Excellent mortgage history. (5) Reserves after closing are over $11k. |  |  |  | 09/13/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455296 | XXXX | XXXX | 7017340 | 851 | 09/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | High Rise Condotel is approved by Sr Mgmt with caveat of 0x30x24 most recent housing documented with above exception. |  | COMPENSATING FACTORS: (1) FICO score of 762. (2) 2 mortgages, 13 installment, 10 revolving accounts in history. (3) 99% revolving credit still available. Not a credit abuser. (4) Excellent credit & Excellent mortgage history. (5) Reserves after closing are over $11k. |  |  |  | 09/16/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455297 | XXXX | XXXX | 7017341 | 851 | 09/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Per guidelines rent history must be verified by canceled checks or institutional VOR. Private party VOR is not acceptable. Borrower has paid receipts and private VOR. |  | 14 year credit depth, 7 year with current employer good residual income. |  |  |  | 09/21/2022 B | 2 | XXXX | CT | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455298 | XXXX | XXXX | 7017342 | 272 | 09/22/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal is not in XXXX name or completed by approved XXXX. |  | The Non-LMC/Non-XXXX appraisal was approved with the following compensating factors: Mid FICO is 718, 5 mortgages 8 installments, 40 revolving, 94% revolving limit available; not a credit abuser; good overall pay history; 233 months mortgage history paid very well; 24,157 in reserves after closing; 21 years same primary residence. |  |  |  | 09/22/2022 B | 2 | XXXX | FL | 3 | 1 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1455299 | XXXX | XXXX | 7017343 | 110 | 09/29/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - legal description is missing. |  | Deed of trust legal description is missing, please provide copy of deed of Trust with legal description attached. | Information provided |  |  | 09/29/2022 |  | A | 1 | XXXX | PA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1455299 | XXXX | XXXX | 7017344 | 186 | 09/29/2022 | Credit | Flood Certificate |  | Flood Certificate - Certificate is not "Life of Loan " |  | Flood Certificate does not indicate "life of loan" Please provide updated flood certificate with "life of Loan" |  |  |  | 09/30/2022 |  | A | 1 | XXXX | PA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1455299 | XXXX | XXXX | 7017345 | 592 | 09/29/2022 | Compliance | Note |  | Note - Compliance \ Note - Do the all of the following items on the Note match the terms of the loan approval: Property address, Loan Type, Loan Amount, Interest Rate, Term |  | Loan approval loan amount and interest rate do not match the note, please provide new approval with loan amount of $XXXX and interest rate of 7.375% | Information provided |  |  | 09/29/2022 |  | A | 1 | XXXX | PA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1455302 | XXXX | XXXX | 7017346 | 272 | 10/03/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | appraiser to comment if subject has any adverse conditions, question yes or no was blank | received |  |  | 10/07/2022 |  | A | 1 | XXXX | TX | 3 | 1 B C |  | N/A C |  | Exempt | 1 |
| 1455302 | XXXX | XXXX | 7017347 | 851 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Usage of accessory unit requires Sr. Mgmt approval, appraiser did not supply similar comps with accessory units. Subject is three family with accessory unit. |  |  |  |  |  | 10/07/2022 B | 2 | XXXX | TX | 3 | 1 B C |  | N/A C |  | Exempt | 1 |
| 1455303 | XXXX | XXXX | 7017348 | 330 | 09/28/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Senior management approval needed for ITIN loan and is in file. |  | Compensating Factors: 15 year credit depth, 9 years self employed, residual income of $4k. |  |  |  | 09/28/2022 B | 2 | XXXX | NJ | 1 | 1 A B | A | A |  | Non-QM | 1 |
| 1455305 | XXXX | XXXX | 7017349 | 868 | 09/08/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard insurance does not include a policy number | Information provided |  |  | 09/13/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455312 | XXXX | XXXX | 7017354 | 101 | 09/06/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - County does not matches legal description |  | Please provide a corrected Mortgage with the correct county of XXXX. The current deed of trust is misspelled as XXXX. The title, legal description, and appraisal all state XXXX. | Per client: After reviewing with the closing agent attorney, they have stated that this does not affect the validity of the mortgage, as the legal description is correct and accurate |  | Client 09/12/2022 12:17 PM; After reviewing with the closing agent attorney, they have stated that this does not affect the validity of the mortgage, as the legal description is correct and accurate. Please escalate for review if needed. Thanks.<br>Reviewer 09/12/2022 12:25 PM; <br>Reviewer 09/12/2022 12:25 PM; Hello, Condition has been cleared w/ comments. Thank you<br>| 09/12/2022 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1455312 | XXXX | XXXX | 7017355 | 330 | 09/10/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guidelines dated 08/01/2022 states 2 yr W2 and recent paystubs, 4506 required for the W2. File does not contain a 4506 only a transcript for 2021 | received |  |  | 09/12/2022 |  | A | 1 | XXXX | MA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1455316 | XXXX | XXXX | 7017362 | 851 | 10/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTIONS If the property was acquired 12 months or less from the application date, the lesser of the current appraisal value or previous purchase price plus documented improvements must be used |  | DEVIATION REQUEST: Loan to Value based on Appraised Value for Subject property owned <12 months (Acquired 10/7/2021) COMPENSATING FACTORS: 701 FICO with 20+yrs credit history back to 2002, 15,870 assets verified equal to 9 months reserves, experienced homeownership documented back to 2005. 9/6/2 |  |  |  | 10/02/2022 B | 2 | XXXX | TX | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1455319 | XXXX | XXXX | 7017363 | 851 | 09/30/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Max Cash out $500k < 65% LTV - cash out $540k |  | Exception granted, Seasoned investors with multiple investments properties, high residual income of over $50k, Low DTI of 13% |  |  |  | 09/30/2022 B | 2 | XXXX | TX | 3 | 13 A B | N/A | N/A |  | Exempt | 1 |
| 1455323 | XXXX | XXXX | 7017367 | 851 | 09/20/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rural Property requires Sr Management approval |  | Exception approved for rural property: Excellent collateral. Self Employed 5+ years, Good Credit, and owner of primary residence (turned investment property) for3 years +. Priced on XXXX ratesheet: 658 FICO (approval to use 665 FICO) @ 80% LTV; Expanded AA (Sr Management Approval for AA): 8.375% Base + .125% 24 mo B/S + .50% Rural= 9% - .375% buy down = 8.625% Final. 1 pt to LMC for Rural exception = .75pt for buy down = 1.75pt to LMC total. 2 BPC pt to broker. Unstacked loan amount $XXXX/stacked loan amount |  |  |  | 09/20/2022 B | 2 | XXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455323 | XXXX | XXXX | 7017368 | 348 | 09/20/2022 | Credit | UW Other |  | UW Other - UW - SSN Discrepancy/Misrep |  | Supply satisfactory evidence borrower is citizen per application, since SS card shows for work only. | Documentation showing borrower has reapplied for employment authorization in file. |  | Reviewer 09/28/2022 01:08 PM; The document received is a partial copy of the I-765 Application for Employment Authorization for XXXX. The 1003 received reflects she is a US Citizen. Provide the complete documents to validate borrower's residency and a 1003 <br>Reviewer 10/01/2022 08:32 PM; the document received expired 2/17/22. The I-765 received previously is only a partial copy and did not receive the correct residency on the 1003<br>Reviewer 10/04/2022 03:17 PM; Received the 1003 with correct residency. Provide the complete I-765 application for Employment Authorization for XXXX and unexpired proof of legal residency in the USA <br>Client 10/04/2022 03:59 PM; Hi, borrower is not a US citizen per the corrected 1003. The social security card provided indicates borrower is legally authorized to work in US and is sufficient identification for the program. Please escalate for further review if needed. Thanks.<br>Reviewer 10/04/2022 11:05 PM; Provide the complete I-765 application for Employment Authorization for XXXX and unexpired proof of legal residency in the USA <br>Reviewer 10/06/2022 07:33 AM; Employment authorization card provided expired 02/17/2022<br>Reviewer 10/06/2022 07:33 AM; Employment authorization card provided expired 02/17/2022<br>Client 10/06/2022 11:42 AM; Documentation showing borrower has reapplied for employment authorization in file. Please clear. <br>Reviewer 10/06/2022 12:40 PM; deficiency has been cleared based on additional information provided<br>| 10/06/2022 |  | A | 1 | XXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455323 | XXXX | XXXX | 7017369 | 434 | 09/20/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | 3 months reserves short at closing. Funds to close $114,220.93 + $13,358 reserves= $127,578.93 while assets verified total $121,698 |  |  |  |  |  | 09/26/2022 B | 2 | XXXX | NJ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455325 | XXXX | XXXX | 7017376 | 445 | 09/24/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Other income documentation missing/incomplete |  | \*CPA Letter is not dated. This information is needed for the Data Entry Process for TPR Loan | received |  |  | 10/17/2022 |  | A | 1 | XXXX | IL | 1 | 1 B D |  | A |  | Non-QM | 1 |
| 1455325 | XXXX | XXXX | 7017377 | 851 | 09/24/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Non-Permanent resident alien must have acceptable VISA |  | DEVIATION REQUEST: Borrower has a C14 Work Visa which is Alien granted deferred action. The card expires three years from now but is not under our qualified Visa classifications. XXXX has approved. Good residual of $4383; Good Mortgage history with low payment shock of 1.44%; Good reserves of over 14,000.00 COMPENSATING FACTORS: Good residual of $4383; Good Mortgage History with low payment shock of 1.44%; Good reserves of over 14,000.00. Pricing: Expanded AA (8.2.22 rate sheet) 7.5% + .125 24 month bank statement + .50 NPRA = 8.125%; .50 to LMC for C14 VISA; 2% BPC; Loan amount unstacked $XXXX; Loan amount stacked $XXXX |  |  |  | 09/24/2022 B | 2 | XXXX | IL | 1 | 1 B D |  | A |  | Non-QM | 1 |
| 1455326 | XXXX | XXXX | 7017378 | 851 | 09/19/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline-Using recent 1099 earnings started 6 months ago as a XXXX so technically self employed for less than 2 years. Deviation Request- B1 switching from W2 engineer to 1099 contractor engineer 6 months ago- have processor cert for verification of employment offer letter stating it is a 4 year contract. B2 lives rent free with family but has exp as investment prop owner. Compensating Factors-B1 mid fico 742, 0mtgs, 6 installs, 3 rev, not a credit abuser, exc credit w/ 3 active tradelines over 24 months old, B2 credit 8-11-2022, mid fico 756, 3 mtgs, 10 install, 3 rev with 915 rev lim avail-not a credit abuser and combined reserves of $69973. |  | Compensating Factors-B1 mid fico 742, 0mtgs, 6 installs, 3 rev, not a credit abuser, exc credit w/ 3 active tradelines over 24 months old, B2 credit 8-11-2022, mid fico 756, 3 mtgs, 10 install, 3 rev with 915 rev lim avail-not a credit abuser and combined reserves of $69973. |  |  |  | 09/19/2022 B | 2 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455326 | XXXX | XXXX | 7017379 | 330 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Per guides 4506 is required. | received |  |  | 09/22/2022 |  | A | 1 | XXXX | CO | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455328 | XXXX | XXXX | 7017380 | 868 | 09/30/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard insurance Must have a Policy ID number. Policy ID number cannot be Blank or TBD, current policy is only showing a "submission number" Please provide new evidence of insurance with a policy number. | received |  |  | 10/04/2022 |  | A | 1 | XXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455328 | XXXX | XXXX | 7017381 | 355 | 10/03/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - Incorrect Product Registration |  | Program listed on final approval is XXXX, however the documentation is 24 months Bank Statements. | received |  |  | 10/05/2022 |  | A | 1 | XXXX | UT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455336 | XXXX | XXXX | 7017393 | 986 | 09/21/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 8/24/2022 | Information provided |  |  | 09/22/2022 |  | A | 1 | XXXX | UT | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1455336 | XXXX | XXXX | 7017394 | 437 | 09/22/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | XXXX for XXXX dated within 10 days of note date XXXX | received |  |  | 09/27/2022 |  | A | 1 | XXXX | UT | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1455336 | XXXX | XXXX | 7017395 | 318 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | Supply satisfactory evidence for deposit dated XXXX for $XXXX into XXXX xXXXX | received |  |  | 10/31/2022 |  | A | 1 | XXXX | UT | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1455336 | XXXX | XXXX | 7017396 | 399 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | second gift letter for $XXXX from XXXX dated XXXX to be fully executed by borrowers. | received |  |  | 10/04/2022 |  | A | 1 | XXXX | UT | 1 | 1 D A | C | A |  | Non-QM | 1 |
| 1455337 | XXXX | XXXX | 7017397 | 986 | 09/21/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 8/24/2022. |  |  |  | 09/22/2022 |  | A | 1 | XXXX | MI | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1455341 | XXXX | XXXX | 7017399 | 327 | 09/22/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | exception for first time homebuyers without rental history |  | exception granted with 723 FICO w/ 15 yrs of excellent consumer credit: not a credit abuser with 91% available revolving credit: has been self employed for 14 years showing stable income. |  |  |  | 09/22/2022 B | 2 | XXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455341 | XXXX | XXXX | 7017400 | 434 | 09/22/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Reserves of 3 months $4445 required |  | Compensating Factors. 723 FICO w/ 15 years of excellent consumer credit, not a credit abuser with 91% available revolving credit has been self employed for 14 years showing stable income. |  |  |  | 09/23/2022 B | 2 | XXXX | NC | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455342 | XXXX | XXXX | 7017401 | 851 | 09/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Auditor calculated DSCR at 0.8934. Purchase Money with a 75% LTV. Per XXXX guidelines (7/05/2022 Rate Sheet for Investor Cash Flow) "Minimum DSCR 1.0X, below 1.0X requires Senior Management approval." Auditor calculated DSCR below 1.00% and there is no Senior Management approval. { NOTE Lender calculated DSCR at 1.000 by using $632 as the HOA Amount, putting the PITIA at $2001.63 ($2,000 rent / $2,001.63 PITIA = 0.9991). Auditor found verification that the HOA is actually $932.02, putting the PITIA at $2,238.74 ($2,000 rent / $2,238.74 PITIA = 0.89335) } | Application date XXXX Per Matrix DSCR below 1.0 requires Senior Management approval Appraisal reflects $685.00 HOA Processor Cert $697.02 PITIA $2001.65 Market Rent $2000.00 DSCR=1.0% |  | Reviewer 09/22/2022 08:14 AM; auditor correction: 65% LTV<br>Reviewer 09/26/2022 11:40 AM; Guidline date is 09/01/2022 with a minimum DSCR >=1.10 (1.00 with Senior Managment Approval.)<br>Client 09/26/2022 07:50 PM; Guideline stating "Minimum DSCR >= 1.10 (1.0 with Senior Management approval" is only applicable to the Investor Cash Flow program for 5-8 units. Loan is a single unit condotel. <br>Reviewer 09/27/2022 08:53 AM; Guidelines require senior management approval for any DSCR between 0.75 -1.0. HOA fees were determined to be more increasing PITIA.<br>| 09/29/2022 |  | A | 1 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455342 | XXXX | XXXX | 7017402 | 851 | 09/22/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | High Rise condo at XXXX square feet in XXXX in XXXX. Guidelines state a minimum of 600 square feet. (Lender management has approved this exception) |  | COMPENSATING FACTORS: (1) Good Assets. (2) FICO of 810 with no derogatory. (3) 65% LTV. (4) Good job time of 6 years. |  |  |  | 09/22/2022 B | 2 | XXXX | NV | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455347 | XXXX | XXXX | 7017407 | 868 | 09/27/2022 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Blanket HOA Master Policy is required. Evidence of Insurance/Policy must reference the borrowers' names and property address/unit number. The included master policy for TBP condominiums does not include the borrowers name or address/unit number. Please provide a new copy of the master policy including borrower name and address/unit numnber. | Information provided |  | Reviewer 09/27/2022 04:23 PM; need evidence that the Master Policy Building coverage does include the subject address/building: XXXX. The only building covered in the Master Policy docs provided which was listed as covered was : XXXX. We need to see that XXXX also has building coverage. <br>| 09/29/2022 |  | A | 1 | XXXX | MT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455350 | XXXX | XXXX | 7017413 | 851 | 09/21/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | minimum square footage is 600, subject property is XXXX |  | Compensating factors; 780 credit score, 24 year job, good residual income |  |  |  | 09/21/2022 B | 2 | XXXX | CO | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1455356 | XXXX | XXXX | 7017421 | 861 | 10/18/2022 | Credit | Note |  | Note - Other: |  | COMMENT Please verify the Prepayment Penalty. The Note has 2 attached, separate, and fully executed Prepayment addenda. One has a structure of 6 months interest and one has a structure of 3.199%. Note the PPP Addendum w/ the 3.1999 is signed individually but the one with 6 months interest is signed as the LLC matching the Note. | per client the 6 months of interest is the correct prepayment penalty |  | Client 10/18/2022 03:58 PM; Hi, the 6 months of interest is the correct prepayment penalty. Thanks.<br>Reviewer 10/18/2022 04:03 PM; per client the 6 months of interest is the correct prepayment penalty<br>Reviewer 10/18/2022 04:04 PM; <br>Reviewer 10/18/2022 04:04 PM; Hello! Condition has been cleared. Thank you<br>| 10/18/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455181 | XXXX | XXXX | 7019920 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline max LTV for program doc type is 75%, subject LTV is 80% |  | compensating factors; borrower has been renting subject property for 2 yrs paying $2000.00 per month minimal payment shock, actual DTI of 38.79 |  |  |  | 12/07/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455199 | XXXX | XXXX | 7019475 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower lives rent free with spouse |  |  |  |  |  | 12/07/2022 B | 2 | XXXX | MO | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455200 | XXXX | XXXX | 7021840 | 1108 | 12/09/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | missing desk review |  |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7021842 | 389 | 12/09/2022 | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing Fraud Report |  |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7021846 | 336 | 12/09/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | missing CPA letter | received |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455200 | XXXX | XXXX | 7022689 | 327 | 12/12/2022 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Supply satisfactory verification of rent from landlord or property manager to evidence payment history for past 12 months for current primary housing |  |  |  | 12/15/2022 |  | A | 1 | XXXX | CT | 1 | 1 C A | C | A C |  | Non-QM | 1 |
| 1455201 | XXXX | XXXX | 7019897 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require DSCR of 1 subject DSCR .95 Lease in place has 6 month term versus 1 yr term. |  | Compensating factors; Low LTV, good reserves |  |  |  | 12/07/2022 B | 2 | XXXX | WA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1455201 | XXXX | XXXX | 7019902 | 272 | 12/07/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Guidelines state Rural property is ineligible. Subject property is rural |  |  |  |  |  | 12/08/2022 B | 2 | XXXX | WA | 3 | 13 C B | N/A | N/A C B |  | Exempt | 1 |
| 1455202 | XXXX | XXXX | 7019552 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The DSCR ratio is 0.912 when the minimum required DSCR ratio is 1.0. An exception was provided to allow ratio, but comp factors identified were $100,000 in reserves and an LTV ratio of 60%. The loan closed with an LTV of 75% and the reserves verified were cash proceeds from this loan transaction. An updated exception approval is required. |  |  | Reviewer 12/08/2022 02:20 PM; The exception approval in the file is not for this loan. Exception approval for this file is required. <br>|  |  | 12/09/2022 B | 2 | XXXX | SC | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455204 | XXXX | XXXX | 7021488 | 851 | 12/09/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DTI > 45%. Max DTI 45% for Interest only loan. |  | exception approval received/ Comp factors - reserves $85,000. score 713, 5 years with current business, disposable income $9,768 |  |  |  | 12/19/2022 B | 2 | XXXX | CA | 1 | 1 A B | A | A |  | Non-QM | 1 |
| 1455207 | XXXX | XXXX | 7020028 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline Exception- Borrower resides with elderly mother to provide care. Compensating Factors- LOE in the file and utility bill to support. |  | Compensating Factors- LOE in the file and utility bill to support. |  |  |  | 12/07/2022 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455209 | XXXX | XXXX | 7019985 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guideline- 3 tradelines needed Exception- The borrower has 2 tradelines, 1 primary home mortgage, and 1cc recently opened 3 months ago. Compensating Factors-FICO 763 and 16 years at present address. |  | Compensating Factors-FICO 763 and 16 years at present address. |  |  |  | 12/07/2022 B | 2 | XXXX | IN | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455211 | XXXX | XXXX | 7023041 | 851 | 12/12/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR < 1.0 currently 0.92. |  | exception approval received / comp factors - XXXX, repeat client, excessive reserves from proceeds |  |  |  | 12/12/2022 B | 2 | XXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455215 | XXXX | XXXX | 7020171 | 851 | 12/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Living Rent Free – Max DTI is 43% DEVIATION REQUEST Current DTI 42.385%/45.162% |  | COMPENSATING FACTORS: 106K in reserves 28 Years on the Job 24 yrs of monthly payments Co-Borrower has 24 yrs of established credit. Borrowers have a history of owning property – Sold property XXXX Approved by XXXX: 11/16/2022 |  |  |  | 12/08/2022 B | 2 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455215 | XXXX | XXXX | 7020970 | 330 | 12/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Client to supply bank statement income worksheet supporting income $4,333 each borrower for total of $8,666 monthly | Documentation provided is sufficient. |  | Reviewer 12/22/2022 11:08 AM; The document received did not include the bank statement income worksheet supporting income $4,333 each borrower for total of $8,666 monthly<br>Client 12/22/2022 01:08 PM; The income worksheet is attached. Borrowers are both owners 50/50. So, the income was divided up as 50%<br>Reviewer 12/22/2022 02:30 PM; The worksheet received reflects income of $4,275 for each borrower. The loan approval reflects income of $4,333<br>Reviewer 12/23/2022 08:19 AM; The worksheet received reflects income of $4,275 for each borrower. The loan approval reflects income of $4,333<br>Client 01/05/2023 01:00 PM; Per UW, the income on the analysis, $8666.00/2=$4,333.00 for each borrower at 50%. Income worksheet provided.<br>Reviewer 01/06/2023 12:39 PM; Documentation provided is sufficient. <br>| 01/06/2023 |  | A | 1 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455215 | XXXX | XXXX | 7020982 | 320 | 12/08/2022 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | missing statements from XXXX xXXXX for months of 4/21, 6/22, 7/22, 8/22 (please send all together instead of piecemeal) | received |  | Client 12/21/2022 06:34 PM; Please provide further clarification - is it for income? <br>Reviewer 12/22/2022 09:03 AM; Yes - the bank statements are required for income calculations.<br>Reviewer 12/22/2022 11:08 AM; The 163 documents received did not include the bank statements for XXXX #XXXX for 4/21, 6/22, 7/22, 8/22<br>| 01/10/2023 |  | A | 1 | XXXX | PA | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455218 | XXXX | XXXX | 7021146 | 336 | 12/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing 2020 and 2021 W-2 Transcripts. | received |  | Reviewer 12/15/2022 10:54 AM; The W-2 transcripts were not received<br>| 01/04/2023 |  | A | 1 | XXXX | MD | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1455218 | XXXX | XXXX | 7021147 | 437 | 12/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Missing Verbal VOE dated within 10 days of the closing date XXXX. | received |  |  | 12/15/2022 |  | A | 1 | XXXX | MD | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1455218 | XXXX | XXXX | 7021151 | 330 | 12/08/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Permanent Resident Alien Registration | received |  |  | 01/04/2023 |  | A | 1 | XXXX | MD | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| 1455219 | XXXX | XXXX | 7019829 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | LTV 80% exceeds max LTV of 75% for first time investors |  | Exception granted: Reserves $30,000 after closing, and FICO 738 |  |  |  | 12/07/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455219 | XXXX | XXXX | 7019830 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | DSCR .932 does not meet program requirement of 1.00 DSCR calculation |  | Exception granted: Reserves $30,000 after closing, and FICO 738 |  |  |  | 12/07/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455220 | XXXX | XXXX | 7021045 | 384 | 12/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | Third party confirmation of percentage of ownership | received |  |  | 12/15/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455220 | XXXX | XXXX | 7021046 | 336 | 12/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Satisfactory business narrative confirming usage of 40% expense | received modification to guidelines |  | Reviewer 12/15/2022 09:22 PM; Business narrative form per lender's guidelines to be completed by an employee of the business with knowledge of the operations and finances of the business such as the controller, treasurer, finance manager, or a third-party individual with direct knowledge of the business such as a CPA<br>Reviewer 12/15/2022 09:24 PM; Provide the business narrative form<br>Reviewer 12/20/2022 12:51 PM; The document received was signed and dated by the borrower. Business narrative form per lender's guidelines to be completed by an employee of the business with knowledge of the operations and finances of the business such as the controller, treasurer, finance manager, or a third-party individual with direct knowledge of the business such as a CPA <br>Reviewer 12/21/2022 11:23 PM; The document received was signed and dated by the borrower. Business narrative form per lender's guidelines to be completed by an employee of the business with knowledge of the operations and finances of the business such as the controller, treasurer, finance manager, or a third-party individual with direct knowledge of the business such as a CPA<br>| 12/28/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455224 | XXXX | XXXX | 7020286 | 336 | 12/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Used stated income from 1003 instead of the 1040's |  | Client approved since the stated amount is less than the income from verified assets |  |  |  | 12/08/2022 B | 2 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455224 | XXXX | XXXX | 7019327 | 884 | 12/07/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 01/09/2023 |  | A | 1 | XXXX | TN | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455225 | XXXX | XXXX | 7019800 | 851 | 12/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The DSCR ratio is 0.905 when the minimum required DSCR ratio is 1.0. An exception was provided to allow 0.905 ratio, but in using the total lease income of $1700, the DSCR ratio is 0.83 and an updated exception would be required. |  |  | Reviewer 12/17/2022 03:38 PM; The closing disclosure reflects property taxes of $321 and School Tax of $187, plus HOI $133 + PI $1,417 = $2,058. DSCR = 82.6%<br>Reviewer 01/06/2023 06:18 PM; Provide documentation to verify the complete total real estate taxes on the subject property and explanation from the title company why the CD has different amounts.<br>|  |  | 01/17/2023 B | 2 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455225 | XXXX | XXXX | 7019809 | 330 | 12/07/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower does not meet the minimum investor experience requirements. The subject property was purchased XXXX for $XXXX and has no prior ownership in any other properties. | received |  |  | 12/16/2022 |  | A | 1 | XXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455356 | XXXX | XXXX | 7017422 | 851 | 10/18/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | \*GUIDELINE EXCEPTION - Loan amount less than 150,000.00 minimum has been approved by Senior Management. - Investor Concentration above 90% (currently 91.67%) approved by Senior Management. Investor Concentration above 70% caps LTV at 65% - LTV above 65% when Investor Concentration is above 70% approved by Senior Management for LTV 70% / 71.92% stacked. |  | DEVIATION REQUEST: - Loan amount less than 150,000.00 minimum has been approved by Senior Management. - Investor Concentration above 90% (currently 91.67%) approved by Senior Management. - LTV above 65% when Investor Concentration is above 70% approved by Senior Management for LTV 70% / 71.92% stacked. COMPENSATING FACTORS: 23 year credit depth with all paid as agreed. Experienced Investor. Self-Employed for almost 10 Years. Aug 2 rate sheet. Inv Cash Flow Approval. Pricing Update Oct 1 rate sheet. Final Rate: 8.999% Base rate: 8.50 + .50 for non warrantable condo with 2.50 Pts to LMC for loan amount, Investor Ratio, and LTV exceptions. Pts to Broker 1.50. Unstacked amount: $XXXX. Stacked amount: $XXXX No credit discrepancies to address or to report |  |  |  | 10/18/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455361 | XXXX | XXXX | 7017431 | 851 | 10/05/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Loan is below the required minimum loan amount of $150,000 at $XXXX. Approved by XXXX management. |  | COMPENSATING FACTORS: (1) Excellent credit, including mortgage history, for over two years. (2) Good savings history with reserves. (3) Seasoned homeowner. |  |  |  | 10/05/2022 B | 2 | XXXX | MA | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455362 | XXXX | XXXX | 7017432 | 1015 | 09/29/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | Missing 2020 and 2021 full tax transcripts for the co-borrower as required per guidelines. Co-Borrower was self employed, requiring full tax transcripts to be provided. Only transcripts for the borrower was provided. |  |  | Reviewer 10/04/2022 10:15 PM; Received the 4506-C request for XXXX 2020 transcripts. Guidelines require the transcripts to be processed and the results to be reviewed and compared to the qualifying income to confirm consistency. <br>Reviewer 10/05/2022 08:17 PM; the fully processed 2020 and 2021 tax transcripts were not received.<br>|  |  | 10/05/2022 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455365 | XXXX | XXXX | 7017443 | 902 | 09/20/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 09/22/2022 |  | A | 1 | XXXX | NC | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455365 | XXXX | XXXX | 7017444 | 970 | 09/20/2022 | Compliance | Compliance |  | Compliance - CD- Missing |  | Missing CD issued and received 3 days prior to consummation. |  |  |  | 09/22/2022 |  | A | 1 | XXXX | NC | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455365 | XXXX | XXXX | 7017445 | 434 | 09/21/2022 | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Loan is short the 3 months needed for reserves. Per the Final CD, the cash-to-close is $73,070.91. And Guidelines require 3 months PITIA for reserves ($1,431.41 x 3 = $4,294.23). That's a total of $77,365.14 needed in assets. Verified assets are XXXX #XXXX of $XXXX on XXXX + XXXX #XXXX of $XXXX on XXXX. That is a total of $77,258.06 in assets, leaving only $4,187.15 in reserves after the cash out to close (2.93 months). Loan is short the full 3.00 months of reserves by $107.07. {NOTE There is a gift letter for $XXXX to be made on XXXX. That deposit was found verified already deposited in XXXX #XXXX on XXXX, so that deposit amount is already accounted for in the account balance of that account). |  |  |  |  |  | 09/26/2022 B | 2 | XXXX | NC | 1 | 1 C B | C | A |  | Non-QM | 1 |
| 1455366 | XXXX | XXXX | 7017446 | 330 | 09/29/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Subject Property on the Final 1003 reflects Primary for B1 but B2 & B3 reflects investment property. (Loan Approval XXXX reflects that the subject is an owner occupied Condo purchase). Need to verify the occupancy for B2 & B3 | 1003 received |  | Client 09/30/2022 06:40 PM; This is borrower 1's primary residence, the other co-borrowers are non-occupant co-borrowers. However, we have adjusted the 1003 and uploaded to the loan file so that it reflects primary residence. Thanks.<br>Reviewer 10/02/2022 02:55 PM; <br>Reviewer 10/03/2022 08:21 AM; Hello, Credit has cleared their condition. Thank you<br>| 10/01/2022 |  | A | 1 | XXXX | FL | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1455366 | XXXX | XXXX | 7017447 | 961 | 10/04/2022 | Valuation | Appraisal |  | Appraisal - FEMA Disaster Re-certification Required |  |  |  |  |  | 10/06/2022 |  | A | 1 | XXXX | FL | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1455367 | XXXX | XXXX | 7017448 | 330 | 10/05/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | DSCR score below 1.00 required Senior Management approval. Market rent (1007) $2,400/mo divided by PITIA I/O $2,750.02= 0.872 DSCR score. |  | Exception approval received - Comp factors - Reserves $1.5 million, experienced investor | Client 10/06/2022 04:28 PM; Please clarify PITIA calculation, as your value differs from what we have in file. Thanks!<br>Reviewer 10/07/2022 11:39 AM; market rent = $2,400 / ITI payment = $2,506.43 (interest payment only payment = $1,630.33 + Taxes $757.92 + Insurance $118.18) <br>DSCR = 0.96%<br>Reviewer 10/07/2022 11:39 AM; market rent = $2,400 / ITI payment = $2,506.43 (interest payment only payment = $1,630.33 + Taxes $757.92 + Insurance $118.18) <br>DSCR = 0.96%<br>|  |  | 10/10/2022 B | 2 | XXXX | TX | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1455369 | XXXX | XXXX | 7017451 | 330 | 10/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final loan approval missing | received |  |  | 10/18/2022 |  | A | 1 | XXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455370 | XXXX | XXXX | 7017452 | 318 | 09/26/2022 | Credit | UW Assets |  | UW Assets - UW - Source of Large Deposit |  | XXXX foreign account for $XXXX and $XXXX on XXXX before the transfer into daughters account of $XXXX. Assets to be seasoned 60 days | Gift letter and asset documentation provided |  |  | 11/23/2022 |  | A | 1 | XXXX | VA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455371 | XXXX | XXXX | 7017453 | 330 | 10/05/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing page 1 of the Fraud Report for the subject transaction. Unable to confirm Risk Score. | Information provided |  | Reviewer 10/06/2022 05:37 PM; Provide verification of borrower's SS# from SS administration<br>| 10/06/2022 |  | A | 1 | XXXX | OH | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1455374 | XXXX | XXXX | 7017459 | 201 | 10/03/2022 | Credit | Hazard Insurance |  | Hazard Insurance - is missing. |  |  | Information provided |  | Reviewer 10/05/2022 12:48 PM; HOI for subject property in XXXX has not been provided. Hazard for XXXX properties was provided. Need HOI for XXXX<br>Client 10/05/2022 04:11 PM; At top of page 1 it states, Insured Property Address XXXX, NV XXXX. Thanks.<br>Reviewer 10/05/2022 05:04 PM; Hello, Condition has been cleared. Thank you!<br>Reviewer 10/05/2022 05:04 PM; <br>| 10/05/2022 |  | A | 1 | XXXX | NV | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1455376 | XXXX | XXXX | 7017461 | 330 | 10/02/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Exception Approval for Borrower not meeting requirements for unexpired Visa. | received valid Employment Auth C18 |  |  | 10/04/2022 |  | A | 1 | XXXX | RI | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1455378 | XXXX | XXXX | 7017466 | 998 | 10/06/2022 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Title to supply evidence Solar Lien has been satisfied and with lender in first lien position- solar purchase for power only with no lease payments | received termination |  |  | 10/07/2022 |  | A | 1 | XXXX | NV | 1 | 1 D A | A | A |  | Non-QM | 1 |
| 1455379 | XXXX | XXXX | 7017467 | 330 | 10/21/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | First Time Investor that does not own primary residence and over max LTV. |  | The exception was granted for First Time Investor that does not own a primary residence at a 80% LTV with the following compensating factors: Mid FICO is 750, 0 mortgages 2, installments, and 7 revolving 83% revolving limit available; not a credit abuser; excellent credit with five active tradelines with 4+ years seasoning on active accounts; payment shock of 0.62%. |  |  |  | 10/21/2022 B | 2 | XXXX | KY | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455381 | XXXX | XXXX | 7017468 | 851 | 10/17/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require a minimum credit score of 640 borrowers credit score is 616 |  | Compensating factors; six year self employed, low DTI and residual income of 125k monthly |  |  |  | 10/17/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455389 | XXXX | XXXX | 7017472 | 323 | 09/29/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Loan amount of $XXXX was less than the minimum loan amount of $150,000 as required per guidelines. |  | Exception was granted with the following compensating factors: Qualifying FICO 811. 2 prior mortgages, 8 install, 18 revolving. 100% revolving limit available. Excellent Credit. 53 month mtg history through 04/2021 with primary now owned free and clear. 4.95% DTI with $5438 residual income for one person. Reserves after closing $7,274. |  |  |  | 09/29/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455389 | XXXX | XXXX | 7017473 | 350 | 09/29/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 75% exceeds the max LTV of 65% allowed for a condotel with square footage less than 600 square feet. Subject property has a GLA of XXXX sq ft. |  | Exception was granted with the following compensating factors: Qualifying FICO 811. 2 prior mortgages, 8 install, 18 revolving. 100% revolving limit available. Excellent Credit. 53 month mtg history through 04/2021 with primary now owned free and clear. 4.95% DTI with $5438 residual income for one person. Reserves after closing $7,274. |  |  |  | 09/29/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455390 | XXXX | XXXX | 7017575 | 851 | 10/27/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION Not a true LTV exception, just a clarification on this new combined rate sheet dated XXXX |  | Deviation Request: 9.6.22 rate combined Investor Lns for both DSCR & Full doc. Sr Management approved not charging for this first time investor since it is a full doc alt loan, Not a DSCR. Sr Management approved going t 75% LTV as prev 2 yr Full/alt doc Inv property allowed up to 80%, therefore not a true LTV exception, just a clarification on this new combined rate sheet dated 9/6/2022 COMPENSATING FACTOR: B1 mid FICO 785, B2 mis FICO 778; 5 mtgs, 26 install, 32 rev, 92% rev lim avail-no gaps; exc cred history, 189 exc mtg hist, reserves after closing $136,185, 25/26% DTI without subj rental inc; 9.6.22 Pricing: 7.50% (Inv Ln; 785 FICO, 75%TV) - 0.250%(Full/Alt Inc) + 0.500% (First Time Inv) + = 7.625%. unstacked n$XXXX/75%. Stacked $XXXX/76.78% |  |  |  | 10/27/2022 B | 2 | XXXX | AL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455397 | XXXX | XXXX | 7017587 | 851 | 11/02/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  |  |  | DEVIATION REQUEST: Borrower has score of 577 – cash out exception B-2 just started job in August Loan Amount = XXXX mgmt approval in COC email approval COMPENSATING FACTORS: In file since 1985. ASSETS AFTER CLOSE = 176,792, residual = 4688 Pricing: Note rate 9.5 + 3.076-pts (stacked), BPC at close (0.924), qual rate 9.5. 9.22.2022 pricing. Base rate 8.25 plus bank stmt income < 2 years full doc (0.125), cash out min FICO 700 (0.375), 2-4 UNIT (0.25), FICO exception (0.25), exception point (1.0), origination fee (0.50), BPC points to broker (2.5) = required rate of 9.5 |  |  |  | 11/02/2022 B | 2 | XXXX | IL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455399 | XXXX | XXXX | 7017590 | 387 | 10/27/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Missing evidence of hazard insurance premiums for the following investment properties XXXX and XXXX. | received |  |  | 10/28/2022 |  | A | 1 | XXXX | IL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1455409 | XXXX | XXXX | 7017615 | 330 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Gift Funds Maximum 70% LTV |  | 16 years Self employer owner of XXXX, Stable/Increasing income YOY, $98K liquid assets verified, $77,898 reserves equal to 13 months PITIA, 21 years credit history FTHB with Deep Credit including 8 active revolving accounts with >$5K credit limits open > 24 months. |  |  |  | 11/01/2022 B | 2 | XXXX | CO | 1 | 1 B A |  | A |  | Non-QM | 1 |
| 1455409 | XXXX | XXXX | 7017616 | 330 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | FTHB Below 700, Max LTV 75% |  | 16 years Self employer owner of XXXX, Stable/Increasing income YOY, $98K liquid assets verified, $77,898 reserves equal to 13 months PITIA, 21 years credit history FTHB with XXXX including 8 active revolving accounts with >$5K credit limits open > 24 months. |  |  |  | 11/01/2022 B | 2 | XXXX | CO | 1 | 1 B A |  | A |  | Non-QM | 1 |
| 1455410 | XXXX | XXXX | 7017617 | 902 | 11/03/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 11/09/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455410 | XXXX | XXXX | 7017618 | 973 | 11/03/2022 | Compliance | Compliance |  | Compliance - CD- Other |  | A PCCD needs to be issued to include the Phone Number for the Mortgage Broker under Contact Information on page 5. The Final CD dated 10/28 is missing the information. |  |  |  | 11/09/2022 |  | A | 1 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455410 | XXXX | XXXX | 7017619 | 851 | 11/06/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINES MIN Credit Score 640 for 24 mo bank statements DEVIATION REQUEST Borrower has 623 credit score. Low LTV and DTI. Approval given by XXXX |  | COMPENSATING FACTORS: Stable employment for 6 years same line of work for 20, Good collateral, recently updated kitchen and baths in desirable area. Low risk 70%, 37% dti, |  |  |  | 11/06/2022 B | 2 | XXXX | TX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455413 | XXXX | XXXX | 7017620 | 392 | 11/08/2022 | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | \* Child Support in the amount of XXXX is reflected on the Final 1003 but proof of child support obligation is not in this file. Borrower to provide Court ordered child support documentation to determine and verify the borrowers child support obligation. Additional conditions may apply | received |  |  | 11/10/2022 |  | A | 1 | XXXX | SC | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1455413 | XXXX | XXXX | 7017621 | 1108 | 11/08/2022 | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA is missing from this file | received |  |  | 11/09/2022 |  | A | 1 | XXXX | SC | 1 | 1 C A | A | A C |  | Non-QM | 1 |
| 1455416 | XXXX | XXXX | 7017624 | 384 | 11/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | CPA letter to address the percentage of ownership in business for each borrower | received/email from CPA |  | Reviewer 11/29/2022 08:27 PM; Provide a letter directly from the CPA to verify the borrower's amount of ownership in XXXX<br>Client 11/30/2022 10:50 AM; A processor certification has been sufficient to clear similar findings in the past. Please clear or escalate further. <br>Reviewer 11/30/2022 12:07 PM; Condition has been reviewed Thank You <br>| 11/30/2022 |  | A | 1 | XXXX | TX | 1 | 1 A |  | A |  | Non-QM | 1 |
| 1455418 | XXXX | XXXX | 7017626 | 851 | 11/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Short term rental with less than 6 months earnings |  | Compensating factors; credit score 688, 119 mth perfect mtg pd, 50k reserves after closing, residual income of 9k |  |  |  | 11/07/2022 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1455418 | XXXX | XXXX | 7017627 | 851 | 11/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | 24 months s/e as an LLC versus combo of Sch C with personal bk stmts then llc with bus bank for 24 month bus bank statement program |  | Compensating factors; credit score 688, 119 mth perfect mtg pd, 50k reserves after closing, residual income of 9k |  |  |  | 11/07/2022 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1455418 | XXXX | XXXX | 7017628 | 851 | 11/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | HOA open litigation- senior management approval |  | Compensating factors; credit score 688, 119 mth perfect mtg pd, 50k reserves after closing, residual income of 9k |  |  |  | 11/07/2022 B | 2 | XXXX | FL | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1455420 | XXXX | XXXX | 7017629 | 851 | 11/08/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | min credit score 700 for cash out, and max LTV 70%, subject credit score of 662 with LTV of 76.69 |  | Compensating factors; experienced investor, owned subject for 17 years. S/E 4 years good residual income of 5k |  |  |  | 11/08/2022 B | 2 | XXXX | DE | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1455422 | XXXX | XXXX | 7017631 | 323 | 11/03/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Payment Shock using the Full Qualifying Payment exceeds the guideline maximum of 3x for the Super-Prime/Alt-A loan program. |  | Compensating Factors: Experienced homeowner (multiple homes). Strong credit profile of 19 years. Good FICO. 16 year mortgage history. 20% of own funds. |  |  |  | 11/03/2022 B | 2 | XXXX | UT | 1 | 1 B C |  | A |  | Non-QM | 1 |
| 1455423 | XXXX | XXXX | 7017632 | 350 | 11/07/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 75% exceeds the guideline maximum of 70% for a non warrantable condominium. |  | Compensating Factors: Good Credit Borrowers are not credit abusers; borrowers are not 1st time home owners and good collateral. |  |  |  | 11/07/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455428 | XXXX | XXXX | 7017638 | 387 | 11/11/2022 | Credit | UW Credit |  | UW Credit - UW - Taxes and Insurance documentation |  | Provide hazard insurance rating documentation for XXXX of Florida | received |  |  | 11/11/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1455428 | XXXX | XXXX | 7017639 | 330 | 11/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | 4506 form required per guidelines dated 10/05/2022. | received |  |  | 11/15/2022 |  | A | 1 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1455428 | XXXX | XXXX | 7017640 | 330 | 11/15/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Deviation request 1x60 mortgage late 4/2019 (3yrs 6 mos) \*only 1x60 reported (0x30 reported). |  | Compensating factors: 35yrs at XXXX as a XXXX, average total earnings over $55K/mo including RSU's.. $37K/mo base & bonus income. $331,392 assets verified, $250K reserves equal to 26mos PITIA, 753 FICO with excellent credit depth 22yrs since 2000, 5+ high revolving credit limits >$10K, current primary owned occupied since 2005. |  |  |  | 11/15/2022 B | 2 | XXXX | FL | 1 | 1 C B | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1455429 | XXXX | XXXX | 7017641 | 901 | 11/10/2022 | Compliance | Compliance |  | Compliance - TRID Other |  | A PCCD needs to be issued to include the Mortgage Broker Phone Number under Contact Information on page 5. |  |  |  | 11/14/2022 |  | A | 1 | XXXX | FL | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1455429 | XXXX | XXXX | 7017642 | 902 | 11/10/2022 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  |  |  |  | 11/14/2022 |  | A | 1 | XXXX | FL | 2 | 1 C A | C | A |  | Non-QM | 1 |
| 1455434 | XXXX | XXXX | 7017644 | 884 | 11/10/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/18/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B A | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1455434 | XXXX | XXXX | 7017645 | 898 | 11/10/2022 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 10% tolerance violation for increase in Lender's Title Insurance Policy without a valid COC. Total tolerance violation of $166.20. A refund in the amount of $166.20 along with Post CD, lox to borrower, copy of refund check and proof of delivery required within 60 days from consummation. |  |  | Reviewer 11/14/2022 02:05 PM; The settlement statement uploaded indicates this is not from closing. There are multiple fees on the SS that do not match the final CD at closing. A refund to the borrower is still required or a the final settlement statement uploaded.<br>|  | 11/18/2022 | B | 2 | XXXX | CA | 1 | 1 C B A | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1455434 | XXXX | XXXX | 7017646 | 986 | 11/10/2022 | Compliance | Compliance |  | Compliance - E-Consent- missing evidence of borrower's e-consent prior to earliest e-signature event |  | Missing evidence of borrower's e-consent on or prior to earliest e-signature event date of 10/12/2022. |  |  |  | 11/11/2022 |  | A | 1 | XXXX | CA | 1 | 1 C B A | C | B A |  | Safe Harbor QM (APOR) | 1 |
| 1455435 | XXXX | XXXX | 7017649 | 330 | 11/16/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | No primary mortgag history/lives with mom |  | FICO 703, BFS for over 4 years, Good collateral in other properties |  |  |  | 11/16/2022 B | 2 | XXXX | FL | 3 | 1 A B | N/A | N/A |  | Exempt | 1 |
| 1455436 | XXXX | XXXX | 7017650 | 330 | 11/06/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower has less than 24 months mortgage/rent history. |  | The exception for less than 24 months of mortgage and rent history was granted with the following compensating factors: 6 years self employed; upward income trend and nice property. |  |  |  | 11/06/2022 B | 2 | XXXX | UT | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1455437 | XXXX | XXXX | 7017651 | 552 | 11/02/2022 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Compliance \ Deed of Trust/Mortgage - PUD ____ Condo____ with project name filled in |  | Missing condo rider page 3 with signature, please provide condo rider | Information provided |  |  | 11/07/2022 |  | A | 1 | XXXX | CA | 2 | 13 C A | C | A |  | Non-QM | 1 |
| 1455439 | XXXX | XXXX | 7017652 | 1018 | 11/08/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | 2 years self-employment not verified as required for SuperPrime/Alt-A Program. |  | Borrower has been self-employed 15 months. Comp factors: 9 years in field of work, 55% LTV, long term home ownership |  |  |  | 11/08/2022 B | 2 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455439 | XXXX | XXXX | 7017653 | 382 | 11/08/2022 | Credit | UW Other |  | UW Other - UW - HUD-1 to evidence source of funds |  | Provide final and signed CD from refinance of XXXX evidencing proceeds of $XXXX to the borrower. | received $XXXX |  |  | 11/08/2022 |  | A | 1 | XXXX | AZ | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1455445 | XXXX | XXXX | 7017667 | 336 | 11/10/2022 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | CPA authentication to be verified, verify business, and license. | received |  |  | 11/11/2022 |  | A | 1 | XXXX | WA | 1 | 1 A C |  | A |  | Non-QM | 1 |
| 1456285 | XXXX | XXXX | 7021445 | 380 | 12/09/2022 | Credit | UW Other |  | UW Other - UW - Lease Agreements |  | Lease Agreement for XXXX is missing from the file. The lease agreement for XXXX is in the file. |  |  |  | 12/15/2022 |  | A | 1 | XXXX | AR | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1456886 | XXXX | XXXX | 7027119 | 851 | 12/16/2022 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Rent Loss coverage does not meet guideline (6 months coverage required) - 2+ months rent loss coverage with significant reserves to cover the difference/DSCR .951 using seller's lease |  | Reserves $855066, seasoned investor, credit score 722, owned primary residence for 16 years. |  |  |  | 12/16/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1456898 | XXXX | XXXX | 7028067 | 330 | 12/18/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The rent loss coverage only covers 2 months of rent and the required coverage is 6 months. |  | The exception for less than 6 months of rent loss coverage was granted with the following compensating factors: The borrower is a seasoned investor with strong credit with a 722 score, has owned her primary residence for 16 years, and has verified $855,066 in reserves after both loans close. |  |  |  | 12/19/2022 B | 2 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1456898 | XXXX | XXXX | 7026740 | 185 | 12/15/2022 | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | The Flood Insurance Policy was not found in the file. Provide evidence of Flood Insurance. | Information provided |  |  | 12/20/2022 |  | A | 1 | XXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024452 | 861 | 10/31/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The Note in the file section 4 refers to attached Prepayment Note Addendum but the terms on the Prepayment Penalty Addendum are incomplete. The prepayment structure is blank. Please provide corrected Note and/or Prepayment Addendum and confirm the prepayment structure. | Information provided |  | Reviewer 11/09/2022 12:43 PM; No documentation provided<br>| 12/13/2022 |  | A | 1 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024453 | 271 | 11/01/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Collateral not acceptable/warrantable |  | Appraisal report list the property as a condotel. Per guidelines, all condotels require senior management approval. |  | Sr Management Approval provided. Compensating Factors: B1 Mid FICO 767. B2 Mid FICO 755. 93% revolving lim available - not credit abusers. Very good credit. 99 mths exc mtg history, reserves $36435 after closing. Payment shock < 1%. |  |  |  | 11/01/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024454 | 272 | 11/01/2022 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraisal report list the property as a short term rental. Per guidelines, all short term rentals require senior management approval. |  | Sr Management Approval provided. Compensating Factors: B1 Mid FICO 767. B2 Mid FICO 755. 93% revolving lim available - not credit abusers. Very good credit. 99 mths exc mtg history, reserves $36435 after closing. Payment shock < 1%. |  |  |  | 11/01/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024455 | 323 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Loan amount of $XXXX is less than the guideline minimum of $150,000. |  | Sr Management Approval provided. Compensating Factors: B1 Mid FICO 767. B2 Mid FICO 755. 93% revolving lim available - not credit abusers. Very good credit. 99 mths exc mtg history, reserves $36435 after closing. Payment shock < 1%. |  |  |  | 11/01/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024456 | 350 | 11/01/2022 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | LTV of 76.969% exceed the maximum allowed of 65% LTV on condotels with <600 square feet. Appraisal shows the property has a XXXX sq ft GLA. |  | Sr Management approved 5% unstacked LTV exception for Condotel. Compensating factors: B1 mid fico 767, B2 mid fico 755. 1 mtgm 11 installment, 22 revolving, not a credit abuser with 99 months of mtg credit history. reserves $36,435 after closing, payment shock <1% | Client 11/02/2022 12:25 PM; Hi, 031 Loan Summary and Approval document already has the approval for the condotel. Thanks.<br>Reviewer 11/02/2022 01:54 PM; exception documented<br>|  |  | 11/02/2022 B | 2 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1457182 | XXXX | XXXX | 7024457 | 397 | 11/01/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Inquiries not properly addressed |  | Borrowers answered Yes to new debt resulting from 07/01/2022 inquiry with XXXX. Missing verification of new debt, or a corrected LOX. Borrower indicates a new HELOC was obtained. | LOC Statement contains APR changes |  | Reviewer 11/10/2022 11:42 AM; Provide documentation to verify the secured property for the HELOC with XXXX and include debt on the 1003 in the appropriate section. Additional conditions may apply<br>Client 11/10/2022 05:15 PM; HELOC is for borrower's primary residence. Please clarify what additional documentation is needed. <br>Reviewer 11/11/2022 07:24 AM; Documentation of any new debt is required showing terms and payments.<br>Reviewer 11/11/2022 10:18 AM; Received the 1003 with the HELOC listed in the liabilities section, however, this debt was not attached to any property owned. Did not receive documentation of which property is used for the HELOC. Provide verification.<br>Client 11/11/2022 12:04 PM; Hi, statement provided does show terms and payments and all information regarding the HELOC for the primary residence. Please escalate further if needed or clear. Thanks.<br>Reviewer 11/11/2022 12:24 PM; Condition has been cleared Thank you <br>| 11/11/2022 |  | A | 1 | XXXX | SC | 3 | 1 C B | N/A | N/A C B |  | Exempt | 1 |
| 1458792 | XXXX | XXXX | 7029185 | 852 | 12/08/2022 | Credit | Hazard Insurance |  | Hazard Insurance - H06 Policy required when master policy does not provide walls-in coverage |  |  | Information provided |  |  | 12/09/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1458792 | XXXX | XXXX | 7029186 | 330 | 12/09/2022 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | evidence of 6 months rent loss insurance is required | Documentation has been provided. |  | Client 12/09/2022 11:47 AM; Hi, loss of use is the same thing as rent loss. Thanks!<br>Reviewer 12/09/2022 12:00 PM; Documentation has been provided.<br>| 12/09/2022 |  | A | 1 | XXXX | SC | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1459739 | XXXX | XXXX | 7032908 | 861 | 11/08/2022 | Credit | Note |  | Note - Other: |  | Please confirm Prepayment Penalty. The Note in the file refers to section 4 being superseded by the 'Addendum to the Note attached hereto and made part Hereof' but no Addendum was included with the loan file. Please provide corrected Note and/or Prepayment Addendum and confirm the prepayment terms | Client confirms there is no prepayment addendum on this loan |  | Reviewer 11/10/2022 11:24 AM; no documentation provided<br>Reviewer 12/15/2022 11:46 AM; Corrected note and/or Prepayment Addendum and confirm the prepayment terms not provided <br>| 12/22/2022 |  | A | 1 | XXXX | UT | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1459815 | XXXX | XXXX | 7033337 | 884 | 11/21/2022 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 11/22/2022 |  | A | 1 | XXXX | VA | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1459815 | XXXX | XXXX | 7033338 | 895 | 11/21/2022 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Initial CD is missing. Please provide. | Information provided |  |  | 11/22/2022 |  | A | 1 | XXXX | VA | 1 | 1 C A | C | A |  | Non-QM | 1 |

---

## Exhibit 99.20

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.20**

![](logoevolve-002.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 01/19/2023 12:50:19 PM** |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **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** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO 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** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1382416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1382418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | LOW | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1352002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.21% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1429921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1367995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1367996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1367998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1367999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1368000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | MODERATE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1368001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1368002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.84% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1368004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1346637 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | 0.00% | XXXX | 1004D |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.35% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1372357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1429923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.92% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | 0.00% | XXXX | 1004D |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1428116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| 1437537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1437544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1401303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1425380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.03% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 1408458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1408454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1411465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1417077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1425390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1411466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1411467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1411461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1438572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1413204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1428299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1424457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1430808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | D | XXXX |  |  |  |  |  | XXXX | XXXX | 2.38% | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1413215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 8.00% | XXXX | 84 | XXXX | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1428120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1425372 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1424469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1422753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1428121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1428122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1422746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1428124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.01% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1422748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1424449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1431283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1428132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1427486 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1438562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1429309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1425378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1428301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1429310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1438546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1431274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1428293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.81% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1443656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1431271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.9 |
| 1425367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1431747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1428291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1437539 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1431256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1431273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1421774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1437550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.98% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1431279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| 1428151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1434310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.33% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1428152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.33% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1425375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.9 |
| 1429317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1431259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1431266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.63% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1431261 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1431740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1428153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1431272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1429320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1434319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1443658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1438554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1434307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| 1429321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1429322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1434309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1437536 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1431269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1438550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1434312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1431763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1431764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1431756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1441762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1437555 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| 1434311 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 1431750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1431276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1441768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1431270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1445966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1437542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1434316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1438589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1437538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1437556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 9.15% | XXXX | 1073 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1431749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1447772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 43.07% | XXXX | C | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1437546 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1431761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 47.50% | XXXX | C | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1450301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1434301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1437553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1438588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1441766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1437547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1447762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1437558 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1431743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1438585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1437549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1438548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1438564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1437545 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1438549 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1434304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1437534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1443661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1438570 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1438551 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.09% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| 1438595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1439752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1438547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1438579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1438587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.56% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1434300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1438582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| 1447773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1439753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1439765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1439755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1439747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1439749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1439757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1439767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1438567 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1438594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1438569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.9 |
| 1446283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1443666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1441769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.35% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1438592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1443667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1439758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1443668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1443669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1445975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1441764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1439756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1450285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1443670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1439770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| 1456285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1439764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1443672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1455225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1439746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1439763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1443675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1439759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1443677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1443678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1445952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1443679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1456902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1453781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.69% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1441770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1445956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1445959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -8.19% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1453777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.45% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1453783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1452223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1447755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1445960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1445946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| 1445961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| 1441774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.33% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1445948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -52.85% | XXXX | 68 | XXXX | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| 1445953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -14.20% | XXXX | 75 | XXXX | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1445951 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1445955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1450288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1447749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1450290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1455221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1446284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1450291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1450293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1455178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1445977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1445980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1445978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1447775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1445958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1445971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.59% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1447778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1452214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1450292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1447759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1452250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1450286 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1447752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1445974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1450296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1447765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | 3.02% | XXXX | 88 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1450287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1450303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1447751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| 1452245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1455207 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1450305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1447770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1453788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1453782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1455215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1452232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -10.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1452252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| 1452257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| 1452217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1455218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1455213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1455220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1453778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1453787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| 1455211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1453779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| 1455195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1447750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1455186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455189 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1456914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1452226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1453785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1452221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1456898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1456886 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1455200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| 1455217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1455203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -13.68% | XXXX | 91 | XXXX | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1455204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1377134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 4.96% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| 1384593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1384785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1384790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1384791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1460606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1432645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | -4.35% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX | -4.35% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1357548 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1347089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1347109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A+ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1369290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1357552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1347136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 4.71% | XXXX | A+ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1347173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A+ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1369297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1369302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1385021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1384758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1384759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1411818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1411833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432653 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432655 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 13.13% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 9.20% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -4.72% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1424321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.50% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1424324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1417072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Acceptable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -9.52% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1420067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.08% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1428698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -7.41% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1432685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| 1429031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.35% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1425666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.22% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1425668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1424394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424396 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424398 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.50% | XXXX | 1073 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1424403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1429046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.79% | XXXX | 1025 |  |  |  |  |  |  | XXXX | XXXX | 2.79% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2.86% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1432756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1432796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.81% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432828 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432831 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432841 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 5.45% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1.28% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3.33% | XXXX | 1073 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.72% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1438296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455299 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1432862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1451961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447297 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447298 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447301 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447303 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | $0.00 | 0.00% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1451963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447306 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.11% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | 09/15/2022 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447318 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1455357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.40% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447643 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.00% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| 1451968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1458782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447644 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455362 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A+ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455365 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455366 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455371 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.52% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1447325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455380 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447646 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1447330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| 1455390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.36% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.53% | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1451996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.35% | XXXX | A+ | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1452003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1452004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.61% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1452010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0.00% | XXXX | 1004 |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1455422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1452016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1457182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455428 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1452017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455433 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | -5.79% | XXXX | 88 | XXXX | XXXX | XXXX | -4.79% | XXXX | B | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455437 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455439 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455443 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1455445 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1459739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1458790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1459814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1459815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1458792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.00% | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.21

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.21**

![](logoevolve-002.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 01/19/2023 12:50:19 PM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1382416 | XXXX | XXXX | Qualifying DTI |  | 0.44458 |  |
| 1382416 | XXXX | XXXX | Maturity Date |  | XXXX | verified |
| 1382416 | XXXX | XXXX | Note Date |  | XXXX | verified |
| 1382416 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, not failing in CE. GSE/DTI/BKST Fail |
| 1382418 | XXXX | XXXX | Qualifying DTI |  | 0.18213 |  |
| 1382418 | XXXX | XXXX | Maturity Date |  | XXXX | Verified; Note. |
| 1382418 | XXXX | XXXX | Note Date |  | XXXX | Verified; Note. |
| 1382418 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/BKST Fail |
| 1352002 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1352002 | XXXX | XXXX | Qualifying Credit Score | 807 | 818 |  |
| 1352002 | XXXX | XXXX | Qualifying DTI |  | 0.03821 |  |
| 1352002 | XXXX | XXXX | First Payment Date |  | XXXX | verified via Note |
| 1352002 | XXXX | XXXX | Maturity Date | XXXX | XXXX | verified via Note |
| 1429921 | XXXX | XXXX | Qualifying Credit Score | 730 | 789 | Tape data is 730, Borrower middle of three scores. Audited data is 789, Co-Borrower middle of three scores. |
| 1429921 | XXXX | XXXX | Interest Only | N | Y | verified via Note |
| 1429921 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via Note |
| 1429921 | XXXX | XXXX | Qualifying DTI |  | 0.49777 |  |
| 1429921 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | verified |
| 1367995 | XXXX | XXXX | Qualifying Credit Score | 0 | 807 | Bid tape reflects Qualifying Credit Score 0. Audited data verified Qualifying Credit Score is 807. |
| 1367995 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with loan approval |
| 1367995 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1367995 | XXXX | XXXX | Mtg Pymt | 902.34 | 1160.13 | Tape data $902.34 is PI-Principal and Interest. Audited Data $1160.13 is PITI - Principal, Interest, Taxes and Insurance. |
| 1367995 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape $XXXX. Verified with Loan Approval and loan documents, transaction is Refinance. |
| 1367995 | XXXX | XXXX | QM Status |  | Exempt | Verified BP loan |
| 1367996 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Bid tape reflects Qualifying Credit Score 0. Audited data verified Qualifying Credit Score is 751. |
| 1367996 | XXXX | XXXX | Original CLTV | 1.465710 | 0.750000 | Bid Tape 1.465710%. Audited data of 75.000% LTV is verified per the Note amount of $XXXX/the Appraised value of XXXX. |
| 1367996 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited doc type Verified with loan approval |
| 1367996 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1367996 | XXXX | XXXX | Mtg Pymt | 902.34 | 1178.51 | Tape data $902.34 is PI-Principal and Interest. Audited Data $1,178.51 PITI - Principal, Interest, Taxes and Insurance. |
| 1367996 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX. Verified with Loan Approval and Loan documents, transaction is a Refinance. |
| 1367996 | XXXX | XXXX | QM Status |  | Exempt | Verified BP loan |
| 1367998 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Tape data is 0. Audited value is 751. Auditor used middle of three scores. Equifax score is 732. Experian score is 751. Transunion score is 758. |
| 1367998 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1367998 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1367998 | XXXX | XXXX | Mtg Pymt | 902.34 | 1179.79 | Tape data includes principle and interest only. Audited value is principle, interest, taxes and insurance. HOA not included. |
| 1367998 | XXXX | XXXX | Sales Price | XXXX |  | Verified with loan approval, purpose of loan is Cash out refinance. No sales price reflected. |
| 1367998 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1367999 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1367999 | XXXX | XXXX | Mtg Pymt | 876.56 | 1128.88 | Tape data includes principle and interest only. Audited value is principle, interest, taxes and insurance. HOA not included. |
| 1367999 | XXXX | XXXX | Sales Price | XXXX |  | Verified with loan approval, purpose of loan is Cash out refinance. No sales price reflected. |
| 1367999 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1367999 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Tape data is 0. Audited value is 751. Auditor used middle of three scores. Equifax score is 732. Experian score is 751. Transunion score is 758. |
| 1367999 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1368000 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Tape data 0. Audited value is 751. Auditor used middle of three scores. Equifax score is 732. Experian score is 751. Transunion score is 758. |
| 1368000 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with approval |
| 1368000 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1368000 | XXXX | XXXX | Mtg Pymt | 861.09 | 1113.80 | Bid tape $861.09 is PI. Audited data $1113.80 is Principal, Interest, Taxes and Insurance. |
| 1368000 | XXXX | XXXX | Sales Price | XXXX |  | Verified na c/o refi |
| 1368000 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1368001 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Tape data is 0. Audited value is 751. Auditor used middle of three scores. Equifax score is 732. Experian score is 751. Transunion score is 758. |
| 1368001 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1368001 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1368001 | XXXX | XXXX | Mtg Pymt | 894.61 | 1166.96 | Tape data includes principle and interest only. Audited value is principle, interest, taxes and insurance. HOA not included. |
| 1368001 | XXXX | XXXX | Sales Price | XXXX |  | Verified with loan approval, purpose of loan is Cash out refinance. No sales price reflected. |
| 1368001 | XXXX | XXXX | QM Status |  | Exempt | Verified BP loan |
| 1368002 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Bid tape reflects 0. Audited data 751 is Borrower Mid Credit Score and Qualifying Credit Score. |
| 1368002 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified with final approval. |
| 1368002 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1368002 | XXXX | XXXX | Note Date | XXXX | XXXX | verified |
| 1368002 | XXXX | XXXX | Mtg Pymt | 799.22 | 1046.57 | Tape data $799.22 is PI. Audited Data $1046.57 PITI - Principal, Interest, Taxes and Insurance. |
| 1368002 | XXXX | XXXX | Sales Price | XXXX |  | Loan is a cash out refinance, sales price is not required. |
| 1368002 | XXXX | XXXX | QM Status |  | Exempt | Verified BP loan |
| 1368004 | XXXX | XXXX | Qualifying Credit Score | 0 | 751 | Tape data is Blank. Audited value is 751. Auditor used middle of three scores. Equifax score is 732. Experian score is 751. Transunion score is 758. |
| 1368004 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type Verified as DSCR NO Ratio Loan Program with the Loan Ap[roval and the Loan Program ID |
| 1368004 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1368004 | XXXX | XXXX | Mtg Pymt | 902.34 | 1179.34 | Tape data includes principle and interest & Audited PITI is principle, taxes, insurance & HOA |
| 1368004 | XXXX | XXXX | Sales Price | XXXX |  | No sales price for this loan transaction as this is a Cash Out Refi not a Purchase transaction |
| 1368004 | XXXX | XXXX | QM Status |  | Exempt | Verified BP Loan |
| 1346637 | XXXX | XXXX | Qualifying Credit Score | 0 | 720 | Verified per the Credit Report. |
| 1346637 | XXXX | XXXX | DSCR |  | 1.820 | DSCR is 1.819 based on the verified Mortgage Payment PITIA of $1,483.17 and Monthly Rental Income amount per Leases of $2,698.00; Rounded. |
| 1346637 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1346637 | XXXX | XXXX | Mtg Pymt | 1086.01 | 1483.18 | Audited Data is the full PITI; Tape Data is the P&I only. |
| 1346637 | XXXX | XXXX | Sales Price | XXXX |  | Verified not a Purchase transaction. |
| 1346637 | XXXX | XXXX | QM Status |  | Exempt | Verified as a DSCR Business Purpose loan. |
| 1429925 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1429925 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1429925 | XXXX | XXXX | Qualifying DTI |  | 0.24448 |  |
| 1429925 | XXXX | XXXX | PITI | 1621.64 | 1561.64 | Tape data PITI includes HOA dues. Audited PITI is principle, interest, taxes and insurance. HOA dues not included. |
| 1429922 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1429922 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1429922 | XXXX | XXXX | Qualifying DTI |  | 0.24977 |  |
| 1429922 | XXXX | XXXX | PITI | 3520.05 | 5268.04 | Verified monthly housing payment $5,312.14 includes principle, interest, taxes & insurance. |
| 1429922 | XXXX | XXXX | Self-Employment Flag |  | N | Verified with 1008 that loan is asset optimizer. |
| 1372357 | XXXX | XXXX | Qualifying Credit Score | 0 | 742 | Verified per the Credit Report. |
| 1372357 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1372357 | XXXX | XXXX | Mtg Pymt | 707.59 | 996.31 | Audited Data is the PITI per the First Payment Letter; Tape Data is the P&I only. |
| 1372357 | XXXX | XXXX | QM Status |  | Exempt | verified Business Purpose |
| 1429926 | XXXX | XXXX | Interest Only | N | Y | Verified Via Note |
| 1429926 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified Via Note |
| 1429926 | XXXX | XXXX | PITI | 1226.54 | 1226.52 | within tolerance |
| 1429926 | XXXX | XXXX | Qualifying DTI |  | 0.48345 | within tolerance |
| 1429923 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1429923 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified |
| 1429923 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1429927 | XXXX | XXXX | Qualifying DTI |  | 0.24078 |  |
| 1429924 | XXXX | XXXX | Qualifying DTI |  | 0.49793 |  |
| 1429924 | XXXX | XXXX | PITI | 8340.49 | 8175.49 | Verified monthly housing payment $8,175.49 includes principal, taxes, insurance. HOA not included. |
| 1428116 | XXXX | XXXX | Qualifying Credit Score | 0 | 804 | confirmed with credit report |
| 1428116 | XXXX | XXXX | DSCR | 1.415 | 1.310 | $45,856 booked for 2022/12 $3821.33 income |
| 1428116 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed DSCR loan |
| 1428116 | XXXX | XXXX | Mtg Pymt | 2630.62 | 2862.82 | confimed PITI with HOA from appraisal |
| 1428116 | XXXX | XXXX | Sales Price | XXXX |  | no cash out refinance |
| 1428116 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1437537 | XXXX | XXXX | Qualifying Credit Score | 0 | 680 | Tape data is 0. Audited value is 680. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 687. Experian score is 675. Transunion score is 680. |
| 1437537 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1437537 | XXXX | XXXX | Mtg Pymt | 1523.81 | 1838.85 | Bid Tape $1,523.81 is reflecting P and I payment. Audited Data of $1,838.85 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1437537 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1437537 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437544 | XXXX | XXXX | Qualifying Credit Score | 0 | 680 | Tape data is 0. Audited value is 680.??Auditor used middle of three scores. Equifax score is 687. Experian score is 675. Transunion score is 680. |
| 1437544 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1437544 | XXXX | XXXX | Mtg Pymt | 1361.49 | 1768.46 | -Tape Data: includes principle and interest & - Audited value includes principle and interest, taxes and insurance & HOA Dues |
| 1437544 | XXXX | XXXX | Sales Price | XXXX |  | Ths loan transaction is a DSCR Limited Cash Out Refi not a Purchase |
| 1437544 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1401303 | XXXX | XXXX | Qualifying Credit Score | 0 | 759 | Tape data is 0. Audited value is 759. Auditor used middle of three scores. Equifax score is 774. Experian score is 751. Transunion score is 759. |
| 1401303 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1401303 | XXXX | XXXX | Mtg Pymt | 865.28 | 1188.87 | Bid Tape $865.28 is reflecting P&I. Audited Data $1,188.87 verified is principle, interest, taxes, and insurance. |
| 1401303 | XXXX | XXXX | Sales Price | XXXX |  | Verified transaction is a cash-out refinance. Sales price not required. |
| 1401303 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1425380 | XXXX | XXXX | Qualifying Credit Score | 0 | 654 | Tape data is 0. Audited value is 654. Auditor used middle of three scores. Equifax score is 654. Experian score is 645. Transunion score is 708. |
| 1425380 | XXXX | XXXX | Doc Type |  | Full | Bid tape is Blank. Audited data is Full. Verified Doc Type per loan approval of XXXX. |
| 1425380 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1425380 | XXXX | XXXX | Mtg Pymt | 908.03 | 1299.04 | Bid tape $$908.03 is P&I. Audited data $1,299.04 is PITIA. Verified Mtg Pymt per First Payment Letter. |
| 1425380 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. No Sales Price required. |
| 1425380 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/Points/QM APR Fail |
| 1425380 | XXXX | XXXX | Qualifying DTI |  | 0.26260 |  |
| 1408458 | XXXX | XXXX | Qualifying Credit Score | 0 | 659 | Tape data is 0. Audited value is 659. Auditor used middle of three scores. Equifax score is 659. Experian score is 661. Transunion score is 630. |
| 1408458 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1408458 | XXXX | XXXX | Mtg Pymt | 2044.35 | 3420.38 | Bid Tape $2044.35 is reflecting P&I. Audited Data $3420.38 verified is principle, interest, taxes, and insurance. |
| 1408458 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1417076 | XXXX | XXXX | Qualifying Credit Score | 0 | 754 | Tape data is 0. Audited value is 751.Auditor used middle of three scores. Equifax score is 754. Experian score is 727. Transunion score is 761. |
| 1417076 | XXXX | XXXX | DSCR | 1007.000 | 1.140 | Market Rent: 5500.00/PITI: 4819.08=1.14 |
| 1417076 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1417076 | XXXX | XXXX | Interest Only | N | Y | Verified via Note |
| 1417076 | XXXX | XXXX | Mtg Pymt | 3921.66 | 4819.08 | 3921.66 is P&I Only & 4819.08 is P&I, Tax and HOI |
| 1417076 | XXXX | XXXX | Sales Price | XXXX |  | This is a Cash Out Refi not a Purchase Transaction |
| 1417076 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1408454 | XXXX | XXXX | Qualifying Credit Score | 0 | 748 | Tape data is 0. Audited value is 748. Auditor used middle of three scores. Equifax score is 748. Experian score is 758. Transunion score is 727. |
| 1408454 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1408454 | XXXX | XXXX | Mtg Pymt | 583.74 | 830.44 | Bid Tape $583.74 is reflecting P&I. Audited Data $830.44 verified is principle, interest, taxes, and insurance. |
| 1408454 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1411465 | XXXX | XXXX | Qualifying Credit Score | 0 | 748 | Tape data is 0. Audited value is 748. Auditor used middle of three scores. Equifax score is 748. Experian score is 758. Transunion score is 727. |
| 1411465 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1411465 | XXXX | XXXX | Mtg Pymt | 608.06 | 811.21 | Bid tape is $608.06 and is P&I. Audited data is $811.21 and is PITIA. Verified Mtg Pymt with first payment letter. |
| 1411465 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1417077 | XXXX | XXXX | Qualifying Credit Score | 0 | 754 | Tape data is 0. Audited value is 754. Auditor used middle of three scores. Equifax score is 754. Experian score is 727. Transunion score is 761. |
| 1417077 | XXXX | XXXX | DSCR | 1007.000 | 1.140 | Bid tape is blank, DSCR is calculated with the market rents from 1007 of $5,500 by the principle, interest, taxes and insurance of $4,805.35 which equals ___ |
| 1417077 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1417077 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1417077 | XXXX | XXXX | Mtg Pymt | 3921.66 | 4805.35 | Bid Tape $3,921.66 is reflecting P&I. Audited Data $4,805.35 verified is principle, interest, taxes, and insurance. |
| 1417077 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1417077 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1425390 | XXXX | XXXX | Qualifying Credit Score | 0 | 744 | Tape data 0 Audited value is 744. Auditor used middle of three scores. Equifax score 693 Experian score is 771 Transunion score is 744. |
| 1425390 | XXXX | XXXX | Doc Type |  | Alternative Doc | confirmed Bank statement Loan |
| 1425390 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified with Final 1003 |
| 1425390 | XXXX | XXXX | Mtg Pymt | 3541.71 | 4158.39 | Bid Tape $3,541.71 is reflecting P&I. Audited Data $4,158.39 verified is principle, interest, taxes, and insurance. |
| 1425390 | XXXX | XXXX | QM Status |  | Non-QM | bank Statement loan |
| 1425390 | XXXX | XXXX | Qualifying DTI |  | 0.47572 | income docs missing- to be confirmed |
| 1411466 | XXXX | XXXX | Qualifying Credit Score | 0 | 603 | Tape data is 0. Audited value is 603. Auditor used middle of three scores. Equifax score is 603. Experian score is 600. Transunion score is 646. |
| 1411466 | XXXX | XXXX | DSCR | 0.892 | 0.560 | Bid tape is 0.892. Audited value is 0.560. Gross Schedule Income is $2,100.00 divided by Monthly mortgage payment $3,781.19. |
| 1411466 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1411466 | XXXX | XXXX | Mtg Pymt | 3265.28 | 3750.36 | Bid tape is $3,265.28 and is P&I. Audited data is $3,750.36 and is PITI. Verified Mtg Pymt with first payment letter. |
| 1411466 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval loan is refinance. |
| 1411466 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1411467 | XXXX | XXXX | Qualifying Credit Score | 0 | 603 | Tape data is 0. Audited value is 603. Auditor used middle of three scores. Equifax score is 603. Experian score is 600. Transunion score is 646. |
| 1411467 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank. Audited doc type is Debt Service Coverage verified with lender approval. |
| 1411467 | XXXX | XXXX | Mtg Pymt | 2104.43 | 2599.37 | Bid tape payment is 2104.43 using PI payment. Audited payment is 2599.37 this includes PI, Taxes and insurance. |
| 1411467 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape price is XXXX. Verified with lender approval loan is a refinance transaction. |
| 1411467 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1411461 | XXXX | XXXX | Qualifying Credit Score | 0 | 609 | Verified to the credit report in file |
| 1411461 | XXXX | XXXX | DSCR | 1.145 | 1.130 | Bid tape is 1.145x. Audited DSCR value is 1.13x. Gross Schedule Income is $1300 (market rents) -- divided by Monthly mortgage payment PITI of $1153.41. ($844.85 P&I payment plus $161.01 tax, plus $87.47 haz, plus $60.08 flood ins) |
| 1411461 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR doc type per the loan approval in file |
| 1411461 | XXXX | XXXX | Mtg Pymt | 844.85 | 1153.41 | $844.85 represents the P&I payment and $1153.41 represents the PITI |
| 1411461 | XXXX | XXXX | Sales Price | XXXX |  | Cash out refinance loan |
| 1411461 | XXXX | XXXX | QM Status |  | Exempt | Verified |
| 1438572 | XXXX | XXXX | Qualifying Credit Score | 0 | 749 | Tape data is 0. Audited value is 749. Auditor used lessor of middle three scores. Equifax score is 749. Experian score is 775. Transunion score is 716. |
| 1438572 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438572 | XXXX | XXXX | Mtg Pymt | 5118.01 | 6157.17 | Bid tape $5,118.01 is P&I. Audited data $6,157.15 is PITIA. |
| 1438572 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431281 | XXXX | XXXX | Qualifying Credit Score | 0 | 709 | Tape data is 0. Audited value is 709. Auditor used middle of three scores. Equifax score is 715. Experian score is 675. Transunion score is 709. |
| 1431281 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1431281 | XXXX | XXXX | Mtg Pymt | 1490.44 | 1877.08 | Bid Tape $1,490.44 is reflecting P&I. Audited Data $1,877.08 verified is principle, interest, taxes, and insurance. |
| 1431281 | XXXX | XXXX | Sales Price | XXXX |  | Verified transaction is a cash-out refinance. Sales price not required. |
| 1431281 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1413204 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data is 0. Audited value is 743. Auditor used middle of three scores. Equifax score is 694. Experian score is 752. Transunion score is 743. |
| 1413204 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1413204 | XXXX | XXXX | Mtg Pymt | 818.57 | 976.32 | Bid tape is $818.57 an is P&I. Audited data is $976.32 and is PITIA. Verified Mtg Pymt per First Payment Letter. |
| 1413204 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXXX. Audit is blank. Subject was a refinance, sales price not required. |
| 1413204 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428299 | XXXX | XXXX | Qualifying Credit Score | 0 | 756 | Tape data is 0. Audited value is 756. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 778. Experian score is 743. Transunion score is 756. |
| 1428299 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1428299 | XXXX | XXXX | Mtg Pymt | 1504.47 | 1725.71 | Bid Tape $1,504.47 is reflecting P&I. Audited Data $1725.71 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1428299 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXX Audit data is blank. Subject was a refinance; sales price not required |
| 1428299 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1424457 | XXXX | XXXX | Qualifying Credit Score | 0 | 744 | Tape data is 0. Audited value is 744. Auditor used middle of three scores. Equifax score is 775. Experian score is 744. Transunion score is 739. |
| 1424457 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1424457 | XXXX | XXXX | Mtg Pymt | 926.20 | 1221.89 | Bid Tape $926.20 is reflecting P&I. Audited Data $1,221.89 verified is principle, interest, taxes, and insurance. |
| 1424457 | XXXX | XXXX | Sales Price | XXXX |  | Verified transaction is a cash-out refinance. Sales price not required. |
| 1424457 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1430808 | XXXX | XXXX | Amortization Type | Fixed Rate | Fixed | verified |
| 1430808 | XXXX | XXXX | Appraised Value |  | XXXX | Bid tape is blank. Audit data is $XXXX. Verified with Purchase Contract and Closing Disclosure. |
| 1430808 | XXXX | XXXX | Qualifying Credit Score | 0 | 812 | Tape data is 0. Audited value is 812. Tape data is reflecting the middle of three scores for the borrower. Equifax score is 805. Experian score is 820. Transunion score is 812. |
| 1430808 | XXXX | XXXX | Doc Type |  | Alternative Doc | Bid Tape Blank, Audited Data Alternative Doc verified with Loan Approval |
| 1430808 | XXXX | XXXX | First Payment Date |  | 20220801 | verified |
| 1430808 | XXXX | XXXX | Lien Position |  | First Lien | Bid Tape Blank, Audited First Lien verified with Title and Loan Approval |
| 1430808 | XXXX | XXXX | Maturity Date |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Note Date |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Occupancy | Owner Occupied | Primary | verified |
| 1430808 | XXXX | XXXX | Original Term |  | 360 | verified |
| 1430808 | XXXX | XXXX | Mtg Pymt |  | 3497.09 | Bid Tape Blank, Audited Data $3,497.09 verified is principle, interest, taxes, and insurance. |
| 1430808 | XXXX | XXXX | Property Street Address |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Property City |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Property State |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Property Zip |  | XXXX | verified |
| 1430808 | XXXX | XXXX | Sales Price |  | XXXX | Bid tape is blank. Audit data is $420,000. Verified with Purchase Contract and Closing Disclosure. |
| 1430808 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1430808 | XXXX | XXXX | Qualifying DTI |  | 0.21882 | Audited data of 21.83% DTI is verified per the UW income calculations Total debt $3,629.09/Total qualifying income $16,621.60 |
| 1413215 | XXXX | XXXX | Qualifying Credit Score | 0 | 674 | Tape data is 0. Audited value is 674. Auditor used middle of three scores. Equifax score is 691. Experian score is 674. Transunion score is 657. |
| 1413215 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is Debt Service Coverage. Income docs not required. |
| 1413215 | XXXX | XXXX | Mtg Pymt | 2123.90 | 2529.36 | Verified monthly housing payment $2,529.36 includes principle, taxes and insurance. HOA Dues not included. |
| 1413215 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428120 | XXXX | XXXX | Qualifying Credit Score | 0 | 792 | Tape data 0 Audited value is 792. Auditor used middle of three scores. Equifax score 782 Experian score is 793 Transunion score is 792. |
| 1428120 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified program as a DSCR with final approval. |
| 1428120 | XXXX | XXXX | Mtg Pymt | 1450.14 | 1950.35 | Bid Tape $1,450.14 is reflecting P&I. Audited Data $1,950.35 verified is, interest, taxes, and insurance. |
| 1428120 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1425372 | XXXX | XXXX | Qualifying Credit Score | 0 | 665 | Tape data is 0. Audited value is 665. Auditor used middle of three scores. Equifax score is 676. Experian score is 646. Transunion score is 665. |
| 1425372 | XXXX | XXXX | DSCR | 0.766 | 0.710 | Bid tape is 0.766. Audited value is 0.710. Gross Schedule Income is $1,500. divided by Monthly mortgage payment $2,117.13 (Fully Amortized). |
| 1425372 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1425372 | XXXX | XXXX | Interest Only | N | Y | verified on note |
| 1425372 | XXXX | XXXX | Mtg Pymt | 1453.13 | 1958.33 | Bid tape is $1,453.13. Fully Amortized is $1,611.93 Audited data is $1,958.33. Fully Amortized PITIA is $2,117.13. |
| 1425372 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance and Sales Price is not required. |
| 1425372 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1424469 | XXXX | XXXX | Qualifying Credit Score | 0 | 684 | Audited FICO of 684 verified with credit report dated 6/6/22 |
| 1424469 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited doc type of DSCR verified with loan approval |
| 1424469 | XXXX | XXXX | Mtg Pymt | 979.22 | 1253.39 | Audited PITI of $1253.39 verified with first payment letter |
| 1424469 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1422753 | XXXX | XXXX | Qualifying Credit Score | 0 | 736 | Tape data is 0. Audited value is 736. Auditor used middle of three scores. Equifax score is 711. Experian score is 744. Transunion score is 736. |
| 1422753 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1422753 | XXXX | XXXX | Mtg Pymt | 2182.85 | 2638.15 | Bid Tape $2,182.85 is reflecting P&I. Audited Data $2,638.15 verified is principle, interest, taxes, and insurance. |
| 1422753 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1422753 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428121 | XXXX | XXXX | Qualifying Credit Score | 0 | 674 | Tape data 0 Audited value is 674 Auditor used middle of three scores. Equifax score 687 Experian score is 674, Transunion score is 609. |
| 1428121 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed DSCR purchase |
| 1428121 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified with note |
| 1428121 | XXXX | XXXX | Mtg Pymt | 728.63 | 990.77 | Bid Tape $728.63 is reflecting P&I. Audited Data $990.77 verified is principle, interest, taxes, and insurance., |
| 1428121 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1439760 | XXXX | XXXX | Qualifying Credit Score | 0 | 654 | Tape data 0. Audited data 654. Auditor used the lower of the middle scores from both borrowers. Borrower one Equifax score 654 Experian score 667, Transunion 612 Co Borrower Equifax 775, Transunion 701, Experian 730. |
| 1439760 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Debt Service Coverage verified with Loan Approval. |
| 1439760 | XXXX | XXXX | Mtg Pymt | 1068.77 | 1386.99 | Bid Tape $1,068.77 reflects Principal and Interest, Audited Data $1,386.99 reflects Principal, Interest, Taxes and Insurance. |
| 1439760 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX, Audited Data is blank. Verified per Loan Approval loan is refinance and sales price is not required. |
| 1439760 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428122 | XXXX | XXXX | Qualifying Credit Score | 0 | 654 | Verified to the credit report in file |
| 1428122 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR loan product per loan approval |
| 1428122 | XXXX | XXXX | Mtg Pymt | 615.40 | 912.52 | $615.40 represents the P&I payment and $912.52 represents the PITI |
| 1428122 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1422746 | XXXX | XXXX | Qualifying Credit Score | 0 | 615 | Tape data is 0. Audited value is 615. Auditor used middle of three scores. Equifax score is 615. Experian score is 647. Transunion score is 608. |
| 1422746 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1422746 | XXXX | XXXX | Mtg Pymt | 1022.39 | 1292.22 | Bid Tape $1,022.39 is reflecting P&I. Audited Data $1,292.22 verified is principle, interest, taxes, and insurance. |
| 1422746 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1422746 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428124 | XXXX | XXXX | Qualifying Credit Score | 0 | 678 | Tape data is 0. Audited value is 678. Auditor used middle of three scores. |
| 1428124 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1428124 | XXXX | XXXX | Mtg Pymt | 883.20 | 1262.27 | Original Data is reflecting P&I of $883.20. Verified monthly housing payment $1,262.27 includes principle, interest, taxes and insurance. |
| 1428124 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1428124 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1422748 | XXXX | XXXX | Qualifying Credit Score | 0 | 615 | Tape data is 0. Audited value is 615. Auditor used middle of three scores. Equifax score is 615. Experian score is 647. Transunion score is 608. |
| 1422748 | XXXX | XXXX | DSCR | 1.369 | 1.180 | Bid tape is 1.369. Audited value is 1.180. Gross Schedule Income is $1450 divided by Monthly mortgage payment $1228.33. Difference is because auditor used the less of market rent vs higher monthly average for short term rental schedule. |
| 1422748 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank. Audit doc type is Debt Service Coverage verified with lenders approval. |
| 1422748 | XXXX | XXXX | Mtg Pymt | 909.38 | 1228.33 | Bid tape is 909.38 this includes principal and interest payment. Audited value is 1228.33 using principal, interest, taxes and insurance. |
| 1422748 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is XXXX. Audited sale price is blank verified with lenders approval loan transaction is a refinance. |
| 1422748 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1424449 | XXXX | XXXX | Qualifying Credit Score | 0 | 769 | Tape data is 0. Audited value is 769. Auditor used middle of three scores. Equifax score is 766. Experian score is 769. Transunion score is 787. |
| 1424449 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank. Audit doc type is Debt Service Coverage verified with lender approval. |
| 1424449 | XXXX | XXXX | Mtg Pymt | 666.43 | 903.98 | Bid tape mortgage payment is 666.43 this includes principal and interest. Audited mortgage payment is 903.98 this includes principal and interest, taxes and insurance. |
| 1424449 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape sales price is XXXX. Audited is blank verified with lender approval loan transaction is a refinance. |
| 1424449 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1429308 | XXXX | XXXX | Qualifying Credit Score | 0 | 745 | verified with credit report and approval |
| 1429308 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | loan is dscr |
| 1429308 | XXXX | XXXX | Mtg Pymt | 3662.42 | 4829.14 | original data is PI audited data is PITI |
| 1429308 | XXXX | XXXX | Sales Price | XXXX |  | refinance |
| 1429308 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431758 | XXXX | XXXX | Qualifying Credit Score | 0 | 711 | Tape data is 0. Audited value is 711. Auditor used lessor of middle three scores. Equifax score is N/A. Experian score is 711. Transunion score is 716. |
| 1431758 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431758 | XXXX | XXXX | Mtg Pymt | 1850.93 | 2162.41 | Bid tape $1,850.93 is P&I. Audited data $2,162.41 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1431758 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1431758 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431283 | XXXX | XXXX | Qualifying Credit Score | 0 | 741 | Tape data is 0. Audited value is 741.??Auditor used middle of three scores. Equifax score is 773. Experian score is 734. Transunion score is 741. |
| 1431283 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1431283 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1431283 | XXXX | XXXX | Mtg Pymt | 3908.75 | 4403.94 | Original Data: 3908.75 is P&I Only & Audited Data: 4403.94 is P&I, Tax and HOI |
| 1431283 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428132 | XXXX | XXXX | Qualifying Credit Score | 0 | 717 | Tape data is 0. Audited value is 717. Auditor used middle of three scores. Equifax score is 717. Experian score is 728. Transunion score is 692. |
| 1428132 | XXXX | XXXX | DSCR | 1.651 | 1.440 | Bid tape is 1.651. Audited value is 1.440. Gross Schedule Income is $4,200.00 divided by Monthly mortgage payment $2,906.78. |
| 1428132 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1428132 | XXXX | XXXX | Mtg Pymt | 2148.70 | 2906.78 | Bid tape $2,148.70 is P&I. Audited Data $2,906.78 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1428132 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1427486 | XXXX | XXXX | Qualifying Credit Score | 0 | 716 | Qualifying FICO Tape data is 0. Audited value is 716.??Auditor used middle of three scores. Equifax score is 716. Experian score is 710. Transunion score is 740 |
| 1427486 | XXXX | XXXX | DSCR | 1.430 | 1.570 | DSCR: Market Rent-2000.00/PITIA: 1276.24=1.57 |
| 1427486 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1427486 | XXXX | XXXX | Original Interest Rate | 0.0925 | 0.08875 | Verified |
| 1427486 | XXXX | XXXX | Mtg Pymt | 1053.02 | 1276.24 | Original Data: 1053.02 is P&I Only & Audited Data : 1276.4 is P&I, Tax and HOI |
| 1427486 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified |
| 1427486 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428134 | XXXX | XXXX | Qualifying Credit Score | 0 | 716 | Tape data is 0. Audited value is 716. Auditor used lessor of middle of three scores. Equifax score is 682. Experian score is 716. Transunion score is 728. |
| 1428134 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1428134 | XXXX | XXXX | Mtg Pymt | 655.51 | 808.35 | Bid tape $655.51 Is P&I. Audited data $805.35 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1428134 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1428134 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1438562 | XXXX | XXXX | Qualifying Credit Score | 0 | 705 | Tape data is 0. Audited value is 705. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 703. Experian score is 717. Transunion score is 705. |
| 1438562 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1438562 | XXXX | XXXX | Mtg Pymt | 1042.24 | 1547.34 | Bid Tape $1,042.24 is reflecting P&I payment. Audited Data of $1,547.34 verified is principle, interest, taxes, and insurance. |
| 1438562 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1438562 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428139 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data 0 Audited value is 743. Auditor used middle of three scores. Equifax score 694 Experian score is 752 Transunion score is 743. |
| 1428139 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified DSCR with final approval. |
| 1428139 | XXXX | XXXX | Mtg Pymt | 859.69 | 993.07 | Bid Tape $859.69 is reflecting P&I. Audited Data $993.07 verified is principle, interest, taxes, and insurance. |
| 1428139 | XXXX | XXXX | Sales Price | XXXX |  | Sales price not applicable to refinances. |
| 1428139 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1429309 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data is 0. Audited value is 743. Auditor used middle of three scores. |
| 1429309 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1429309 | XXXX | XXXX | Mtg Pymt | 2847.74 | 3266.72 | Original Data is reflecting P&I of $2,847.74. Verified monthly housing payment $3,266.72 includes principle, interest, taxes and insurance. |
| 1429309 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1429309 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1425378 | XXXX | XXXX | Qualifying Credit Score | 0 | 737 | Tape data is 0. Audited value is 737. Auditor used middle of three scores. Equifax score is 725. Experian score is 737. Transunion score is 740. |
| 1425378 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1425378 | XXXX | XXXX | Mtg Pymt | 1621.98 | 2054.18 | Bid Tape $1,621.98 is reflecting P&I. Audited Data $2,054.18 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1425378 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428301 | XXXX | XXXX | Qualifying Credit Score | 0 | 731 | verified via credit report |
| 1428301 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR verified from loan approval and lock |
| 1428301 | XXXX | XXXX | Mtg Pymt | 1070.20 | 1286.92 | PITIA payment of $1,286.92 is verified |
| 1428301 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429310 | XXXX | XXXX | Qualifying Credit Score | 0 | 691 | Tape data is 0. Audited value is 691.??Auditor used middle of three scores. Equifax score is 705. Experian score is 691. Transunion score is 680 |
| 1429310 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1429310 | XXXX | XXXX | Mtg Pymt | 1188.83 | 1393.94 | Original Data: P&I Only & Audited Data: P&I, Tax and HOI |
| 1429310 | XXXX | XXXX | Sales Price | XXXX |  | Loan program is a Cash Out Refi not a Purchase transaction |
| 1429310 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438546 | XXXX | XXXX | Qualifying Credit Score | 0 | 772 | Tape is 0. Audited value is 772 Auditor used middle of three scores. Equifax score 763 Experian score is 782 Transunion score is 772. |
| 1438546 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval |
| 1438546 | XXXX | XXXX | Mtg Pymt | 1320.78 | 1586.38 | Bid Tape $1,320.78 reflects Principal and Interest, Audited Data $1,586.38 reflects Principal, Interest, Taxes and Insurance. |
| 1438546 | XXXX | XXXX | Sales Price | XXXX |  | Verified with Approval loan is a Cash Out Refinance. |
| 1438546 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431274 | XXXX | XXXX | Qualifying Credit Score | 0 | 736 | Tape data is 0. Audited value is 736. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 736. Experian score is 736. Transunion score is 725. |
| 1431274 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431274 | XXXX | XXXX | Mtg Pymt | 2352.49 | 2659.84 | Bid Tape $2,352.49 is reflecting P&I. Audited Data $2,659.84 verified is principle, interest, taxes, and insurance. |
| 1431274 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Verified per loan approval Subject is refinance. Sales price not required. |
| 1431274 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428293 | XXXX | XXXX | Qualifying Credit Score | 0 | 695 | mid score from credit report |
| 1428293 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed DSCR |
| 1428293 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1428293 | XXXX | XXXX | Mtg Pymt | 2348.13 | 2925.04 | confirmed PITI from tax and insurance documents |
| 1428293 | XXXX | XXXX | Sales Price | XXXX |  | DSCR loan |
| 1428293 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1443656 | XXXX | XXXX | Qualifying Credit Score | 0 | 688 | Tape data is 0. Audited value is 688. Auditor used lessor of middle three scores. Equifax score is 681. Experian score is 718. Transunion score is 688. |
| 1443656 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1443656 | XXXX | XXXX | Mtg Pymt | 1947.31 | 2481.76 | Bid tape $1,947.31 is P&I. Audited data $2,481.76 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1443656 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1443656 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431271 | XXXX | XXXX | Qualifying Credit Score | 0 | 756 | Tape data 0 Audited value is 756. Auditor used middle of three scores. Equifax score is 775 Experian score is 752 Transunion score is 756. |
| 1431271 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified DSCR with final approval. |
| 1431271 | XXXX | XXXX | Mtg Pymt | 1162.28 | 1622.44 | Bid Tape $1,162.28 is reflecting P&I. Audited Data $1,622.44 verified is principle, interest, taxes, and insurance. |
| 1431271 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1425367 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1425367 | XXXX | XXXX | Mtg Pymt | 1886.72 | 2456.33 | Bid Tape $1,886.72 is reflecting P&I. Audited Data $2,456.28 verified PITI. Fully Amortized PITIA is $2,611.31. |
| 1425367 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is blank. Subject is a refinance; sales price not required. |
| 1425367 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1425367 | XXXX | XXXX | Qualifying Credit Score | 0 | 665 | Tape data is 0. Audited value is 665. Auditor used middle of three scores. Equifax score is 676. Experian score is 646. Transunion score is 665. |
| 1425367 | XXXX | XXXX | DSCR | 1.221 | 1.150 | Bid tape is 1.221. Audited value is 1.150. Gross Schedule Income is $3,000.00 divided by Monthly mortgage payment $2,611.31 (Fully Amortized payment). |
| 1425367 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1431748 | XXXX | XXXX | Qualifying Credit Score | 0 | 760 | Tape data is 0. Audited value is 760. Auditor used lessor of middle three scores. Equifax score is 781. Experian score is 756. Transunion score is 760. |
| 1431748 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431748 | XXXX | XXXX | Mtg Pymt | 1363.55 | 1702.10 | Bid tape $1,363.55 is P&I verified per Note. Audited data is $1,702.10 and PITIA. |
| 1431748 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX and is sales price from last sale on XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. |
| 1431748 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431747 | XXXX | XXXX | Qualifying Credit Score | 0 | 737 | Credit Report supports mid score of 737 |
| 1431747 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR verified with XXXX Approval |
| 1431747 | XXXX | XXXX | Mtg Pymt | 926.06 | 1208.45 | Original Data is only P & I |
| 1431747 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428291 | XXXX | XXXX | Qualifying Credit Score | 0 | 708 | Tape data is 0. Audited value is 708. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 708. Experian score is 647. Transunion score is 720. |
| 1428291 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1428291 | XXXX | XXXX | Mtg Pymt | 1600.77 | 1775.98 | Bid Tape $1600.77 is reflecting P&I. Audited Data $1775.98 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1428291 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1429311 | XXXX | XXXX | Qualifying Credit Score | 0 | 695 | Tape data is 0. Audited value is 695.??Auditor used middle of three scores. Equifax score is _695. Experian score is 684. Transunion score is 713 |
| 1429311 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1429311 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1429311 | XXXX | XXXX | Mtg Pymt | 3666.72 | 4671.26 | Original Data: P&I Only & Audited Data: P&I, Tax & HOI |
| 1429311 | XXXX | XXXX | Sales Price | XXXX |  | Loan program is a Cash Out Refi not a Purchase transaction |
| 1429311 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439750 | XXXX | XXXX | Qualifying Credit Score | 0 | 756 | Tape is 0. Audited value is 756 Auditor used middle of three scores. Equifax score 756 Experian score is 772 Transunion score is 745. |
| 1439750 | XXXX | XXXX | DSCR | 1.525 | 1.220 | Bid Tape is 1.525, Audited Data 1.220, Gross Schedule Income $1,300 divided by monthly mortgage payment $1,067.17 equals DSCR Ratio 1.22 |
| 1439750 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1439750 | XXXX | XXXX | Mtg Pymt | 601.25 | 1067.17 | bid tape P&I, Auditor PITI |
| 1439750 | XXXX | XXXX | Sales Price | XXXX |  | Audited Data Blank, verified with Loan Approval loan is a cash out refinance. |
| 1439750 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437539 | XXXX | XXXX | Qualifying Credit Score | 0 | 684 | Tape data is 0. Audited value is 684. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 684. Experian score is 685. Transunion score is 668. |
| 1437539 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1437539 | XXXX | XXXX | Mtg Pymt | 1748.05 | 1936.41 | Bid Tape $1,748.05 is reflecting P and I payment. Audited Data of $1,936.41 verified is principle, interest, taxes, and insurance. |
| 1437539 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1437539 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431256 | XXXX | XXXX | Qualifying Credit Score | 0 | 695 | Verified to the credit report in file |
| 1431256 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR loan type per loan approval |
| 1431256 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1431256 | XXXX | XXXX | Mtg Pymt | 1794.00 | 2193.79 | $1794.00 represents the I/O payment and $2185.56 represents the ITI |
| 1431256 | XXXX | XXXX | Sales Price | XXXX |  | NA for rate/term refi |
| 1431256 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429312 | XXXX | XXXX | Qualifying Credit Score | 0 | 695 | Tape data is 0. Audited value is 695. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 695. Experian score is 684. Transunion score is 713 |
| 1429312 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1429312 | XXXX | XXXX | Interest Only | N | Y | Verified w/ note |
| 1429312 | XXXX | XXXX | Mtg Pymt | 2324.22 | 2645.78 | Bid Tape $2,324.22 is reflecting P&I. Audited Data $2,645.78 verified is principle, interest, taxes, and insurance. |
| 1429312 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1429312 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428148 | XXXX | XXXX | Qualifying Credit Score | 0 | 652 | Tape data is 0. Audited value is 652. Auditor used middle of three scores. Equifax score is 620. Experian score is 382. Transunion score is 652. |
| 1428148 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1428148 | XXXX | XXXX | Mtg Pymt | 1261.28 | 1489.67 | Bid Tape $1,261.28 is reflecting P&I. Audited Data $1,489.67 verified is principle, interest, taxes, and insurance. |
| 1428148 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1428297 | XXXX | XXXX | Qualifying Credit Score | 0 | 649 | Tape data is 0. Audited value is 649. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 633. Experian score is 649. Transunion score is 667. |
| 1428297 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1428297 | XXXX | XXXX | Mtg Pymt | 702.08 | 802.35 | Bid Tape $702.08 is reflecting P&I. Audited Data $802.35 verified is principle, interest, taxes, and insurance. |
| 1428297 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape has $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1428297 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431273 | XXXX | XXXX | Qualifying Credit Score | 0 | 738 | Tape data 0 Audited value is 738. Auditor used middle of two scores. Experian score is 750 Transunion score is 738. |
| 1431273 | XXXX | XXXX | DSCR | 1.179 | 1.200 | Bid Tape 1.179, Audited Data 1.20, Gross Schedule Income $1750 divided by monthly mortgage payment $1,458.94 equals DSCR Ratio 1.20 |
| 1431273 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified the loan as a DSCR with final approval. |
| 1431273 | XXXX | XXXX | Mtg Pymt | 1169.17 | 1408.94 | Bid tape is P&I and audited equals PITI; verified with final CD, Note, hazard insurance and tax confirmation. |
| 1431273 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not applicable to cash out refinances. |
| 1431273 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1421774 | XXXX | XXXX | Qualifying Credit Score | 0 | 776 | Tape data is 0. Audited value is 776. Auditor used middle of three scores. Equifax score is 732. Experian score is 776. Transunion score is 785. |
| 1421774 | XXXX | XXXX | DSCR | 1.330 | 1.310 | Bid tape is 1.330. Audited value is 1.310. Gross Schedule Income is $1,475.00 divided by Monthly mortgage payment $1,127.46. |
| 1421774 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per lock confirmation. |
| 1421774 | XXXX | XXXX | Mtg Pymt | 1018.10 | 1127.46 | Bid Tape $1018.10 is reflecting P&I. Audited Data $1,127.46 verified is principle, interest, taxes, and insurance. |
| 1421774 | XXXX | XXXX | Prepayment Term | 48 | 60 | Verified w/ note |
| 1421774 | XXXX | XXXX | Property Street Address | XXXX | XXXX | verified |
| 1421774 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429313 | XXXX | XXXX | Qualifying Credit Score | 0 | 755 | verified with credit report |
| 1429313 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | per final approval loan is DSCR |
| 1429313 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1429313 | XXXX | XXXX | Mtg Pymt | 3171.88 | 4251.90 | original data int only, audited data included taxes and insurance |
| 1429313 | XXXX | XXXX | Sales Price | XXXX |  | loan is cash out refi |
| 1429313 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437550 | XXXX | XXXX | Qualifying Credit Score | 0 | 788 | Tape data is 0. Audited value is 788. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 788. Experian score is 799. Transunion score is 759. |
| 1437550 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1437550 | XXXX | XXXX | Mtg Pymt | 1571.78 | 1913.36 | Bid Tape $1,571.78 is reflecting PITIA. Audited Data $1,913.36 verified is principle, interest, taxes, and insurance. |
| 1437550 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1437550 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431279 | XXXX | XXXX | Qualifying Credit Score | 0 | 709 | Tape data is 0. Audited value is 709. Auditor used middle of three scores. Equifax score is 709. Experian score is 715. Transunion score is 701. |
| 1431279 | XXXX | XXXX | DSCR | 1.607 | 1.340 | Bid tape is 1.607. Audited value is 1.34. Gross Schedule Income is $1350 divided by Monthly mortgage payment $1010.67. |
| 1431279 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1431279 | XXXX | XXXX | Mtg Pymt | 741.87 | 1010.67 | Bid Tape $741.87 is reflecting P&I. Audited Data $1,010.67verified is principle, interest, taxes, and insurance. |
| 1431279 | XXXX | XXXX | Sales Price | XXXX |  | Verified transaction is a cash-out refinance. Sales price not required. |
| 1431279 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428151 | XXXX | XXXX | Qualifying Credit Score | 0 | 652 | Tape data 0 Audited value is 652. Auditor used middle of three scores. Equifax score 674 Experian score is 645 Transunion score is 652. |
| 1428151 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1428151 | XXXX | XXXX | Mtg Pymt | 1084.54 | 1161.91 | Original Data is reflecting P&I of $1,084.54. Verified monthly housing payment $1,161.91 includes principle, interest, taxes and insurance. |
| 1428151 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1428151 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1434310 | XXXX | XXXX | Qualifying Credit Score | 0 | 710 | Tape data is 0. Audited value is 710. Auditor used lessor of middle three scores. Equifax score is 710. Experian score is 712. Transunion score is 707. |
| 1434310 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1434310 | XXXX | XXXX | Mtg Pymt | 1583.27 | 1950.98 | Bid tape $1,583.27 is P&I. Audited data $1,950.98 is PITIA. Verified Mtg Pymt per first payment letter. nd insurance. |
| 1434310 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is blank. Verified per loan approval transaction is refinance. Sales price is not required. Purchase transaction |
| 1434310 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429316 | XXXX | XXXX | Qualifying Credit Score | 0 | 635 | Verified per the Credit Report. |
| 1429316 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1429316 | XXXX | XXXX | Mtg Pymt | 710.57 | 1019.50 | Audited Data is the PITI per the First Payment Letter; Tape Data is the P&I only. |
| 1429316 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428152 | XXXX | XXXX | Qualifying Credit Score | 0 | 706 | Tape data is 0. Audited value is 706. Auditor used middle of three scores. Equifax score is 659. Experian score is 709. Transunion score is 706. |
| 1428152 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1428152 | XXXX | XXXX | Mtg Pymt | 1770.97 | 2100.53 | Bid tape $1,770.97 is P&I. Audited data $2,100.53 is PITIA. Verified Mtg Pymt per first payment letter. Original Data is reflecting P&I of $1,770.97. Verified monthly housing payment $2,100.53 includes principle, interest, taxes and insurance. |
| 1428152 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1425375 | XXXX | XXXX | Qualifying Credit Score | 0 | 744 | verified via credit report |
| 1425375 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the credit report. |
| 1425375 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1425375 | XXXX | XXXX | Mtg Pymt | 1258.38 | 1487.00 | Original data shows P&I only and audited data is P&I, taxes and insurance. |
| 1425375 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429317 | XXXX | XXXX | Qualifying Credit Score | 0 | 691 | Bid tape is 0 and audited was verified with credit report. |
| 1429317 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified the loan as a DSCR with final approval. |
| 1429317 | XXXX | XXXX | Mtg Pymt | 581.52 | 757.60 | Bid tape is P&I and audited is PITI verified with final CD, Note, hazard policy and tax confirmation. |
| 1429317 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431259 | XXXX | XXXX | Qualifying Credit Score | 0 | 616 | Bid tape is 0. Audited data is 616. Auditor used middle of three scores. Equifax score is 616. Experian score is 566. Transunion score is 624. |
| 1431259 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431259 | XXXX | XXXX | Mtg Pymt | 1147.77 | 1764.29 | Bid tape $1,147.77 is P&I. Audited Data: $1,764.29 is PITIA. |
| 1431259 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1431259 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431266 | XXXX | XXXX | Qualifying Credit Score | 0 | 736 | Mid credit score provided |
| 1431266 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | data tape blank, confirmed DSCR |
| 1431266 | XXXX | XXXX | Mtg Pymt | 3860.99 | 4288.21 | total taxes and insurances verififed added to P&I |
| 1431266 | XXXX | XXXX | Sales Price | XXXX |  | Refinance transaction verified with title |
| 1431266 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431261 | XXXX | XXXX | Qualifying Credit Score | 0 | 773 | Tape data is 0. Audited value is 773. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 773. Experian score is 777. Transunion score is 763. |
| 1431261 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431261 | XXXX | XXXX | Mtg Pymt | 601.83 | 745.01 | Bid Tape $601.83 is reflecting P&I. Audited Data $745.01 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1431261 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1431261 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431740 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape blank. Audited value is 743. Auditor used middle of three scores. Equifax score 743 Experian score is 718 Transunion score is 759. |
| 1431740 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Auditor verified DSCR doc type program per approval |
| 1431740 | XXXX | XXXX | Mtg Pymt | 4042.31 | 4973.90 | Bid Tape $4,042.31 is reflecting P&I. Audited Data $4,973.90 verified is principle, interest, taxes, and insurance. |
| 1431740 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431739 | XXXX | XXXX | Qualifying Credit Score | 0 | 691 | Tape data is 0. Audited value is 691. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 691. Experian score is 732. Transunion score is 691. |
| 1431739 | XXXX | XXXX | DSCR | 1.780 | 1.600 | Bid tape is 1.780. Audited value is 1.600. Gross Schedule Income is $2,800.00 divided by mortgage payment $1,747.49. |
| 1431739 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1431739 | XXXX | XXXX | Mtg Pymt | 1375.81 | 1747.49 | Bid Tape $1,375.81 is reflecting P&I. Audited Data $1,747.49 verified is principle, interest, taxes, and insurance. |
| 1431739 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX0. Audit data is blank. Subject is refinance. Sales price not required. |
| 1431739 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1428153 | XXXX | XXXX | Qualifying Credit Score | 0 | 691 | Tape data 0 Audited value is 691 Auditor used middle of three scores. Equifax score 691 Experian score is 691, Transunion score is 684. |
| 1428153 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited data Debt Service Coverage verified with Loan Approval. |
| 1428153 | XXXX | XXXX | Mtg Pymt | 3034.21 | 4093.76 | Bid Tape $3,034.21 is reflecting P&I. Audited Data $4,093.76 verified is principle, interest, taxes, and insurance., |
| 1428153 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431272 | XXXX | XXXX | Qualifying Credit Score | 0 | 670 | Tape data is 0. Audited value is 670. Auditor used middle of three scores. Equifax score is 679. Experian score is 670. Transunion score is 655. |
| 1431272 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1431272 | XXXX | XXXX | Mtg Pymt | 551.67 | 916.46 | Bid Tape $551.67 is reflecting P&I. Audited Data $916.46 verified is principle, interest, taxes, and insurance. |
| 1431272 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429318 | XXXX | XXXX | Qualifying Credit Score | 0 | 719 | Bid tape is 0 and audited is verified with the credit report |
| 1429318 | XXXX | XXXX | DSCR | 0.942 | 0.930 | Verified with final CD, hazard policy, tax confirmation and market rent from1007. |
| 1429318 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified Doc type as DSCR with approval. |
| 1429318 | XXXX | XXXX | Mtg Pymt | 2704.56 | 3233.26 | Bid tape is PITI and audited is P&I verified with final CD, hazard policy, tax confirmation and Note. |
| 1429318 | XXXX | XXXX | Property Type | Detached | PUD-Detached | validated as PUD from Appraisal |
| 1429318 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429320 | XXXX | XXXX | Qualifying Credit Score | 0 | 805 | Tape data is 0. Audited value is 805. Auditor used lessor of middle three scores. Equifax score is 805. Experian score is 840. Transunion score is 800. |
| 1429320 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1429320 | XXXX | XXXX | Mtg Pymt | 2310.43 | 2448.53 | Bid tape $2,310.43 represents the P&I. Audited data $2,448.53 represents the PITIA. Verified Mtg Pymt per first payment letter. |
| 1429320 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1429320 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434319 | XXXX | XXXX | Qualifying Credit Score | 0 | 758 | Tape data is 0. Audited value is 758. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 758. Experian score is 756. Transunion score is 758. |
| 1434319 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1434319 | XXXX | XXXX | Mtg Pymt | 1239.39 | 1841.00 | Bid Tape $1,239.39 is P&I. Audited Data $1,841.00 is principle, interest, taxes, and insurance. HOA not included. |
| 1434319 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject is refinance; sales price not required. |
| 1434319 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443658 | XXXX | XXXX | Qualifying Credit Score | 0 | 671 | Verified per the Credit Report. |
| 1443658 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1443658 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified w/ note |
| 1443658 | XXXX | XXXX | Mtg Pymt | 1639.58 | 2051.06 | Audited Data is the PITI per the First Payment Letter; Tape Data is the P&I only. |
| 1443658 | XXXX | XXXX | Sales Price | XXXX |  | Verified that this was not a Purchase transaction. |
| 1443658 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438554 | XXXX | XXXX | Qualifying Credit Score | 0 | 693 | Tape data 0. Audited data 693. Auditor used the lower of the middle scores from both borrowers. Borrower one Equifax score 693, Experian score 677, Transunion 695 Co Borrower Equifax 699, Transunion 726, Experian 699. |
| 1438554 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage is verified with loan approval |
| 1438554 | XXXX | XXXX | Mtg Pymt | 1143.22 | 1463.29 | Bid Tape $1,143.22 reflects Principal and Interest, Audited Data $1,463.29 reflects Principal, Interest, Taxes and Insurance. |
| 1438554 | XXXX | XXXX | Sales Price | XXXX |  | Audited Data blank, verified with approval loan is a cash out |
| 1438554 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1434307 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1434307 | XXXX | XXXX | Mtg Pymt | 1951.68 | 2438.40 | Bid Tape $1,951.68 is P&I. Audited Data $2,438.40 is reflecting Principal and interest, taxes and insurance. |
| 1434307 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434307 | XXXX | XXXX | Qualifying Credit Score | 0 | 668 | Tape data is 0. Audited value is 668. Auditor used lessor of middle three scores. Equifax score is 674. Experian score is 668. Transunion score is 662. |
| 1429321 | XXXX | XXXX | Qualifying Credit Score | 0 | 750 | Tape data is 0. Audited value is 750. Auditor used middle of three scores. |
| 1429321 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1429321 | XXXX | XXXX | Mtg Pymt | 1208.68 | 1738.47 | Original Data is reflecting P&I of $1,208.68. Verified monthly housing payment $1,738.47 includes principle, interest, taxes and insurance. |
| 1429321 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1429321 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1429322 | XXXX | XXXX | Qualifying Credit Score | 0 | 807 | Tape data is 0. Audited value is 807. Auditor used middle of three scores. |
| 1429322 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1429322 | XXXX | XXXX | Mtg Pymt | 1921.06 | 2351.35 | Original Data is reflecting P&I of $1,921.06. Verified monthly housing payment $2,351.35 includes principle, interest, taxes and insurance. |
| 1429322 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1429322 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434309 | XXXX | XXXX | Qualifying Credit Score | 0 | 723 | Tape data is 0. Audited value is 723. Auditor used lessor of middle three scores. Equifax score is 723. Experian score is 701. Transunion score is 761. |
| 1434309 | XXXX | XXXX | DSCR | 0.944 | 0.980 | Bid tape is 0.944. Audited value is .098. Gross Schedule Income is $1,850.00 divided by mortgage payment $1,960.66. |
| 1434309 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1434309 | XXXX | XXXX | Mtg Pymt | 1526.65 | 1960.66 | Bid tape $1,526.65 is P&I. Audited data $1,960.66 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1434309 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438557 | XXXX | XXXX | Qualifying Credit Score | 0 | 772 | Tape data is 0. Audited value is 772. Auditor used lessor of middle three scores. Equifax score is 762. Experian score is 772. Transunion score is 787. |
| 1438557 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1438557 | XXXX | XXXX | Mtg Pymt | 1907.45 | 2116.11 | Bid tape $1,907.45 is P&I. Audited data $2,116.11 is PITIA. |
| 1438557 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required |
| 1438557 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437536 | XXXX | XXXX | Qualifying Credit Score | 0 | 730 | Bid tape credit score 0, Auditor verified credit score is 730 per credit report provided |
| 1437536 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with XXXX Loan Approval |
| 1437536 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1437536 | XXXX | XXXX | Mtg Pymt | 6662.50 | 8084.70 | Bid tape mtg pmt 6662.50 is p&i only, Auditor verified mtg pmt is 8084.70 pitia |
| 1437536 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431744 | XXXX | XXXX | Qualifying Credit Score | 0 | 653 | Tape data is 0. Audited value is 653. Auditor used lessor of middle three scores. Equifax score is 681. Experian score is 639. Transunion score is 653. |
| 1431744 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431744 | XXXX | XXXX | Mtg Pymt | 455.47 | 590.52 | Bid tape $455.47 is P&I. Audited data $590.52 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1431744 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. Not required transaction was a cash out refinance |
| 1431744 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431269 | XXXX | XXXX | Qualifying Credit Score | 0 | 653 | Tape data is 0. Audited value is 653.??Auditor used middle of three scores. Equifax score is 681 Experian score is 681. Transunion score is 653. |
| 1431269 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1431269 | XXXX | XXXX | Mtg Pymt | 598.09 | 692.63 | Original Data: P&I Only & Audited Data: P&I, Tax & HOI |
| 1431269 | XXXX | XXXX | Sales Price | XXXX |  | Loan Transaction is not a purchase but a DSCR |
| 1431269 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438550 | XXXX | XXXX | Qualifying Credit Score | 0 | 747 | Bid Tape is 0 and audited score was verified with the credit report. |
| 1438550 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified the doc type as a DSCR with the final approval. |
| 1438550 | XXXX | XXXX | Mtg Pymt | 992.57 | 1243.85 | Bid Tape $992.57 is reflecting Principal and Interest. Audited Data $1,243.85 is reflecting Principal, Interest, Taxes and Insurance. |
| 1438550 | XXXX | XXXX | Sales Price | XXXX |  | The sales price is not applicable |
| 1438550 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434312 | XXXX | XXXX | Qualifying Credit Score | 0 | 655 | Tape is 0. Audited value is 655 Auditor used middle of three scores. Equifax score 676 Experian score is 655 Transunion score is 641. |
| 1434312 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1434312 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1434312 | XXXX | XXXX | Mtg Pymt | 1634.27 | 2483.82 | Bid Tape $1,634.27 is reflecting Principal and Interest. Audited Data $2,483.82 verified is Principal, Interest, Taxes, and Insurance |
| 1434312 | XXXX | XXXX | Sales Price | XXXX |  | Verified that this was not a Purchase transaction. |
| 1434312 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431763 | XXXX | XXXX | Qualifying Credit Score | 0 | 756 | Tape blank. Audited value is 756. Auditor used middle of three scores. Equifax score 756 Experian score is 797 Transunion score is 743. |
| 1431763 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified DSCR with XXXX Approval |
| 1431763 | XXXX | XXXX | Mtg Pymt | 1239.05 | 1497.80 | Bid Tape $1,239.05 is reflecting P&I. Audited Data $1,497.80 verified is principle, interest, taxes, and insurance. |
| 1431763 | XXXX | XXXX | Sales Price | XXXX |  | Transaction is a cash-out refinance |
| 1431763 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431764 | XXXX | XXXX | Qualifying Credit Score | 0 | 713 | Verified with credit report. |
| 1431764 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified loan as a DSCR with final approval. |
| 1431764 | XXXX | XXXX | Mtg Pymt | 963.07 | 1327.54 | Bid tape=P&I payment and audited=PITI verified with final CD, Note, hazard policy, and tax certification. |
| 1431764 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not required for a cash out refinance. |
| 1431764 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431756 | XXXX | XXXX | Qualifying Credit Score | 0 | 710 | Tape data is 0. Audited value is 710. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 710. Experian score is 708. Transunion score is 732. |
| 1431756 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1431756 | XXXX | XXXX | Mtg Pymt | 782.32 | 930.54 | Bid Tape $782.32 is reflecting P&I. Audited Data $930.54 verified is principle, interest, taxes, and insurance. Leasehold Rent not included. |
| 1431756 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1431756 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441762 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Audited appraised value of $XXXX is verified from appraisal in file and supported by CDA in file |
| 1441762 | XXXX | XXXX | Qualifying Credit Score | 0 | 754 | Tape data is 0. Audited value is 754. Auditor used lessor of middle three scores. Equifax score is 754. Experian score is 764. Transunion score is 728. |
| 1441762 | XXXX | XXXX | Original CLTV | 0.733180 | 0.708333 |  |
| 1441762 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1441762 | XXXX | XXXX | Loan Purpose | NoCash-Out Refinance | Refinance - Cash Out | verified loan is delayed purchase |
| 1441762 | XXXX | XXXX | Original LTV | 0.733180 | 0.708333 |  |
| 1441762 | XXXX | XXXX | Mtg Pymt | 826.96 | 936.69 | Bid tape $826.96 is P&I. Audited data $936.69 is PITI. HOA monthly fees of $160.00 is not included. |
| 1441762 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape $XXXX is purchase on XXXX. Loan is Delayed Financing. Audited data is Blank. |
| 1441762 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437555 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Credit Score verified with Credit Report. |
| 1437555 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type verified with loan approval. |
| 1437555 | XXXX | XXXX | Mtg Pymt | 900.80 | 1462.75 | Mortgage payment verified with note and Closing Disclosure. |
| 1437555 | XXXX | XXXX | Sales Price | XXXX |  | Cash out refinance DSCR loan. |
| 1437555 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434311 | XXXX | XXXX | Qualifying Credit Score | 0 | 650 | Tape is 0. Audited value is 650 Auditor used middle of three scores. Equifax score 632 Experian score is 661 Transunion score is 650. |
| 1434311 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified loan doc type as a DSCR with final approval. |
| 1434311 | XXXX | XXXX | Mtg Pymt | 593.99 | 756.83 | Bid Tape $593.99 is reflecting Principal and Interest; Audited Data $756.83 is reflecting Principal and Interest, Taxes and Insurance |
| 1434311 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431750 | XXXX | XXXX | Qualifying Credit Score | 0 | 603 | Tape data is 0. Audited value is 603. Auditor used lessor of middle three scores. Equifax score is 603. Experian score is 593. Transunion score is 617. |
| 1431750 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431750 | XXXX | XXXX | Mtg Pymt | 1306.77 | 1599.19 | Bid tape $1,306.77 is P&I. Audited data $1,599.19 is PITIA. Verified per first payment letter. |
| 1431750 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1431750 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431276 | XXXX | XXXX | Qualifying Credit Score | 0 | 740 | Tape data is 0. Audited value is 740. Auditor used middle of three scores. |
| 1431276 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage verified with loan approval. |
| 1431276 | XXXX | XXXX | Mtg Pymt | 647.57 | 817.89 | Original Data is reflecting P&I of $647.57. Verified monthly housing payment $817.89 includes principle, interest, taxes and insurance. |
| 1431276 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable as this is a refinance transaction |
| 1431276 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441768 | XXXX | XXXX | Qualifying Credit Score | 0 | 710 | Tape data is 0. Audited value is 710. Auditor used lessor of middle three scores. Equifax score is 693. Experian score is 710. Transunion score is 717. |
| 1441768 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1441768 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1441768 | XXXX | XXXX | Mtg Pymt | 3681.25 | 5100.28 | Bid tape $XXXX is P&I. Auditor data $5,100.28 is PITIA. |
| 1441768 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1441768 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1431270 | XXXX | XXXX | Qualifying Credit Score | 0 | 740 | Bid tape is 0. Audited value is 740. Auditor used middle of three scores. Equifax score is 727. Experian score is 740. Transunion score is 746. |
| 1431270 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1431270 | XXXX | XXXX | Mtg Pymt | 701.46 | 867.71 | Bid tape $701.46 is P&I. Audited Data $867.71 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1431270 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1431270 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438560 | XXXX | XXXX | Qualifying Credit Score | 0 | 748 | Tape data is 0. Audited value is 748. Auditor used lessor of middle three scores. Equifax score is 748. Experian score is 749. Transunion score is 747. |
| 1438560 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438560 | XXXX | XXXX | Mtg Pymt | 1037.01 | 1236.14 | Bid tape $1,037.01 is P&I. Audited data $1,236.14 is PITIA. |
| 1438560 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438560 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445966 | XXXX | XXXX | Qualifying Credit Score | 0 | 710 | Tape data 0 Audited value is 710 Auditor used middle of three scores. Equifax score 693 Experian score is 710, Transunion score is 717. |
| 1445966 | XXXX | XXXX | DSCR | 1.405 | 1.170 | Bid Tape 1.405. Audited Data 1.530 Gross Schedule Income $7,820 (Market Rents) divided by monthly mortgage payment $5,104.69 equals DSCR 1.530 |
| 1445966 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1445966 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1445966 | XXXX | XXXX | Mtg Pymt | 3984.38 | 5104.69 | Bid tape $3,984.38 reflects Principal and Interest, Audited Data $5,104.69 reflects Principal, Interest, Taxes and Insurance. |
| 1445966 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445966 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1437542 | XXXX | XXXX | Qualifying Credit Score | 0 | 769 | Tape data is 0. Audited value is 769.??Auditor used middle of three scores. Equifax score is 769. Experian score is 769. Transunion score is 741. |
| 1437542 | XXXX | XXXX | Qualifying Credit Score | 0 | 769 | Tape data is 0. Audited value is 769.??Auditor used middle of three scores. Equifax score is 769. Experian score is 769. Transunion score is 741. |
| 1437542 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1437542 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1437542 | XXXX | XXXX | Mtg Pymt | 1051.51 | 1351.90 | -Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1437542 | XXXX | XXXX | Mtg Pymt | 1051.51 | 1351.90 | -Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1437542 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437542 | XXXX | XXXX | QM Status |  | Exempt | Duplicate |
| 1434316 | XXXX | XXXX | Qualifying Credit Score | 0 | 668 | Tape data is 0. Audited value is 668. Auditor used middle of three scores. Equifax score is 706. Experian score is 668. Transunion score is 665. |
| 1434316 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR with Loan Approval |
| 1434316 | XXXX | XXXX | Mtg Pymt | 1168.61 | 1449.04 | Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance. |
| 1434316 | XXXX | XXXX | Sales Price | XXXX |  | Loan program is a Cash Out Refi not a Purchase transaction |
| 1434316 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438589 | XXXX | XXXX | Qualifying Credit Score | 0 | 768 | auditor using mid score of borrower from credit report |
| 1438589 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | auditor confirmed with loan approval |
| 1438589 | XXXX | XXXX | Mtg Pymt | 804.90 | 890.29 | bid tape P&I, auditor PITI |
| 1438589 | XXXX | XXXX | Sales Price | XXXX |  | transaction is not a purchase |
| 1438589 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437538 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid Tape $XXXX verified is purchase price plus closing costs of the delayed purchase. Audited Data $XXXX verified is appraised value |
| 1437538 | XXXX | XXXX | Qualifying Credit Score | 0 | 777 | Tape data 0 Audited value is 777 Auditor used middle of three scores. Equifax score 777 Experian score is 742, Transunion score is 781. |
| 1437538 | XXXX | XXXX | Original CLTV | 0.772510 | 0.759939 | Bid tape 77.2510 ltv, Auditor verified XXXX ltv with appraised value |
| 1437538 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval |
| 1437538 | XXXX | XXXX | Original LTV | 0.772510 | 0.759939 | Bid tape 77.2510 ltv, Auditor verified XXXX ltv with appraised value |
| 1437538 | XXXX | XXXX | Maturity Date | XXXX | XXXX |  |
| 1437538 | XXXX | XXXX | Mtg Pymt | 1380.11 | 1811.51 | Bid Tape reflects Principal and Interest, Audited Data reflects Principal, Interest, Taxes and Insurance. |
| 1437538 | XXXX | XXXX | Sales Price | XXXX |  | Audited Data Blank, subject transaction is delayed financing. |
| 1437538 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437556 | XXXX | XXXX | Qualifying Credit Score | 0 | 685 | Tape data 0 Audited value is 685 Auditor used middle of three scores. Equifax score 648 Experian score is 748, Transunion score is 685. |
| 1437556 | XXXX | XXXX | Doc Type |  | Alternative Doc | No data to compare. |
| 1437556 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1437556 | XXXX | XXXX | Mtg Pymt | 17774.47 | 23825.11 | Bid Tape $17,774.47 verified is Principal and Interst, Audited Data $23,825.11 verified is Principacl, Interest, Taxes and Insurance. |
| 1437556 | XXXX | XXXX | QM Status |  | Non-QM | verified |
| 1437556 | XXXX | XXXX | Qualifying DTI |  | 0.35963 |  |
| 1431749 | XXXX | XXXX | Qualifying Credit Score | 0 | 716 | \* Tape data is 0. Audited data is 716. Audited data used middle of three scores. Equifax score is 716, Experian score is 717 and TransUnion is 712.? |
| 1431749 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1431749 | XXXX | XXXX | Mtg Pymt | 859.69 | 1085.88 | Original Data: P&I Only & Audited Data: P&I, Tax & HOI |
| 1431749 | XXXX | XXXX | Sales Price | XXXX |  | - Loan program is a Cash Out Refi not a Purchase transaction |
| 1431749 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1447772 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data 0 Audited value is 743 Auditor used borrowers middle of three scores. Equifax score 746 Experian score is 737, Transunion score is 743. |
| 1447772 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1447772 | XXXX | XXXX | Mtg Pymt | 3929.57 | 4538.90 | Bid Tape $3,929.57 reflects Principal and Interest, Audited Data $4,538.90 reflects Principal, Interest, Taxes and Insurance. |
| 1447772 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1447772 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1437546 | XXXX | XXXX | Qualifying Credit Score | 0 | 680 | Tape data is 0. Audited value is 680. Auditor used lessor of middle three scores. Equifax score is 687. Experian score is 675. Transunion score is 680. |
| 1437546 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR per loan approval |
| 1437546 | XXXX | XXXX | Mtg Pymt | 1428.94 | 1766.72 | Bid tape $1,428.94 is P&I. Audited data $1,766.72 is PITIA. |
| 1437546 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1437546 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1431761 | XXXX | XXXX | Qualifying Credit Score | 0 | 720 | Tape data is 0. Audited value is 720. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 720. Experian score is 732. Transunion score is 710. |
| 1431761 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1431761 | XXXX | XXXX | Mtg Pymt | 3404.51 | 4242.37 | Bid Tape $3404.51 is reflecting P&I. Audited Data $4242.37 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1431761 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | Bid tape is High Rise Condominium. Audit Value is Condo Hi > 8 Stories. Verified with Appraisal report. |
| 1431761 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1450301 | XXXX | XXXX | Qualifying Credit Score | 0 | 725 | Tape data 0 Audited value is 725 Auditor used borrowers middle of three scores. Equifax score 726 Experian score is 725 Transunion score is 702. |
| 1450301 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1450301 | XXXX | XXXX | Mtg Pymt | 1155.17 | 1556.04 | Bid Tape $1,155.17 reflects Prinicpal and Interest, Audited Data reflects Principal, Interest, Taxes and Insurance |
| 1450301 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1434301 | XXXX | XXXX | Qualifying Credit Score | 0 | 655 | Tape is 0. Audited value is 655 Auditor used middle of three scores. Equifax score 676 Experian score is 655 Transunion score is 641. |
| 1434301 | XXXX | XXXX | DSCR | 0.915 | 0.890 | DSCR is 0.8879 based on the verified Mortgage Payment PITIA of $1,374.00 and Monthly Rental Income amount of $1,220.00; Rounded. |
| 1434301 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1434301 | XXXX | XXXX | Mtg Pymt | 622.38 | 834.78 | Bid Tape $622.38 is reflecting Principal and Interest. Audited Data $834.78 verified is Principal, Interest, Taxes, and Insurance. |
| 1434301 | XXXX | XXXX | Sales Price | XXXX |  | Verified that this was not a Purchase transaction. |
| 1434301 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1437553 | XXXX | XXXX | Qualifying Credit Score | 0 | 695 | Tape data is 0. Audited value is 695. Auditor used lessor of middle three scores. Equifax score is 695. Experian score is 684. Transunion score is 713. |
| 1437553 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1437553 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1437553 | XXXX | XXXX | Mtg Pymt | 2565.94 | 2879.58 | Bid tape $2,565.94 is P&I. Audited data $2,879.58 is PITIA. |
| 1437553 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1437553 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438588 | XXXX | XXXX | Qualifying Credit Score | 0 | 730 | data tape blank, auditor using mid score from credit report |
| 1438588 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | data tape blank, auditor confirmed with loan approval |
| 1438588 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1438588 | XXXX | XXXX | Mtg Pymt | 2582.29 | 3044.98 | data tape P&I only, Auditor included PITI |
| 1438588 | XXXX | XXXX | Sales Price | XXXX |  | subject is not a purchase |
| 1438588 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441766 | XXXX | XXXX | Qualifying Credit Score | 0 | 654 | Tape data is 0. Audited value is 654. Auditor used lessor of middle three scores. Equifax score is 682. Experian score is 654. Transunion score is 654. |
| 1441766 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1441766 | XXXX | XXXX | Mtg Pymt | 1040.32 | 1216.31 | Bid tape $1,040.32 is P&I. Audited data $1,216.31 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1441766 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX0. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1441766 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437547 | XXXX | XXXX | Qualifying Credit Score | 0 | 767 | Middle of three scores per credit report |
| 1437547 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR loan type per loan approval |
| 1437547 | XXXX | XXXX | Mtg Pymt | 2364.16 | 3214.52 | $2364.16 represents the P&I and $3214.52 represents the PITI |
| 1437547 | XXXX | XXXX | Sales Price | XXXX |  | loan is not a purchase |
| 1437547 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1447762 | XXXX | XXXX | Qualifying Credit Score | 0 | 718 | Tape data 0 Audited value is 718 Auditor used middle of three scores. Equifax score 719 Experian score is 704, Transunion score is 718. |
| 1447762 | XXXX | XXXX | DSCR | 1.263 | 1.560 | Bid Tape 1.263. Audited Data 1.56 Gross Schedule Income $1,050 (Market Rents) divided by monthly mortgage payment $672.94 equals DSCR 1.56.(|
| 1447762 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1447762 | XXXX | XXXX | Mtg Pymt | 507.73 | 672.94 | Bid Tape $507.73 reflects Principal and Interest. Audited Data $672.94 reflects Principal, Interest, Taxes and Insurance. |
| 1447762 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1437558 | XXXX | XXXX | Qualifying Credit Score | 0 | 711 | Tape data 0 Audited value is 711 Auditor used middle of three scores. Equifax score 715 Experian score is 711, Transunion score is 695. |
| 1437558 | XXXX | XXXX | Doc Type |  | Alternative Doc | No data to compare. |
| 1437558 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1437558 | XXXX | XXXX | Mtg Pymt | 9934.36 | 11727.37 | Bid Tape $9,934.36 is Principal and Interest and Audited Data $11,727.37 is Principal, Interest, Taxes and Insurance. |
| 1437558 | XXXX | XXXX | QM Status |  | Non-QM | verified |
| 1437558 | XXXX | XXXX | Qualifying DTI |  | 0.38237 | Audited data is 35.12%. Total debt is $12,075.37/$34,383.62 Total Qualifying Income. |
| 1431743 | XXXX | XXXX | Qualifying Credit Score | 0 | 682 | Verified Mid FICO Score 682 |
| 1431743 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified DSCR with XXXX Approval |
| 1431743 | XXXX | XXXX | Mtg Pymt | 819.70 | 1138.20 | Original Data only reflect P&I |
| 1431743 | XXXX | XXXX | Sales Price | XXXX |  | Cash-out refinance |
| 1431743 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438585 | XXXX | XXXX | Qualifying Credit Score | 0 | 777 | Qualifying FICO Tape data is 0. Audited value is 777.??Auditor used middle of three scores. Equifax score is 772. Experian score is 789. Transunion score is 777. |
| 1438585 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1438585 | XXXX | XXXX | Mtg Pymt | 1386.51 | 1591.11 | -Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1438585 | XXXX | XXXX | Sales Price | XXXX |  | This loan transaction is a Limited Cash Out Refi not a Purchase Transaction |
| 1438585 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1437549 | XXXX | XXXX | Qualifying Credit Score | 0 | 694 | Tape data is 0. Audited value is 694. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 660. Experian score is 694. Transunion score is 716. |
| 1437549 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1437549 | XXXX | XXXX | Mtg Pymt | 4137.35 | 4726.27 | Bid Tape $4,137.35 is reflecting P and I payment. Audited Data of $4,726.27 verified is principle, interest, taxes, and insurance. |
| 1437549 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438548 | XXXX | XXXX | Qualifying Credit Score | 0 | 644 | Tape data is 0. Audited value is 644. Auditor used lessor of middle three scores. Equifax score is 705. Experian score is 644. Transunion score is 637. |
| 1438548 | XXXX | XXXX | DSCR | 1.015 | 1.030 | Bid tape is 1.015. Audited value is 0.960. Gross Schedule Income is $6,100.00 ($1,600.00 lease amount for ADU + $4,500.00 for main house from 1007) divided by mortgage payment $6,359.42. |
| 1438548 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1438548 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1438548 | XXXX | XXXX | Mtg Pymt | 4621.09 | 5912.97 | Bid tape $4,621.09 is P&I. Audited data $5,912.97 is PITIA. |
| 1438548 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438548 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438564 | XXXX | XXXX | Qualifying Credit Score | 0 | 718 | Tape data is 0. Audited value is 718. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 718. Experian score is 720. Transunion score is 717. |
| 1438564 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1438564 | XXXX | XXXX | Mtg Pymt | 1693.12 | 1847.63 | Bid Tape $1,693.12 is reflecting P&I payment. Audited Data of $1,847.63 verified is principle, interest, taxes, and insurance. |
| 1438564 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1438564 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437545 | XXXX | XXXX | Qualifying Credit Score | 0 | 688 | Bid tape is 0. Audited data is 688. Borrower has only Equifax credit score. Borrower is Foreign National. |
| 1437545 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR per loan approval |
| 1437545 | XXXX | XXXX | Mtg Pymt | 3282.04 | 3796.85 | Bid tape $3,282.04 is P&I. Audited data $3,796.85 is PITIA. |
| 1437545 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438549 | XXXX | XXXX | Qualifying Credit Score | 0 | 718 | Tape data is 0. Audited value is 718. Auditor used lessor of middle three scores. Equifax score is 718. Experian score is 720. Transunion score is 717. |
| 1438549 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1438549 | XXXX | XXXX | Mtg Pymt | 704.34 | 820.82 | Bid tape $704.34 is P&I. Audited data $$820.82 is PITIA. |
| 1438549 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438549 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434304 | XXXX | XXXX | Qualifying Credit Score | 0 | 687 | Tape is 0. Audited value is 687 Auditor used middle of three scores. Equifax score 681 Experian score is 687 Transunion score is 747. |
| 1434304 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Auditor verified DSCR with approval |
| 1434304 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1434304 | XXXX | XXXX | Mtg Pymt | 1593.28 | 1909.54 | Bid Tape $1,593.28 is reflecting Principal and Interest. Audited Data $1,909.54 verified is Principal, Interest, Taxes, and Insurance. |
| 1434304 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1437534 | XXXX | XXXX | Qualifying Credit Score | 0 | 732 | Bid tape credit score 0, Auditor verified credit score 732 with credit report in file |
| 1437534 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with XXXX Loan Approval |
| 1437534 | XXXX | XXXX | Mtg Pymt | 902.68 | 1146.63 | Bid tape mtg pmt 902.68 is P&I only, Auditor verified full mtg pmt PITIA is 1146.63 |
| 1437534 | XXXX | XXXX | Sales Price | XXXX |  | Transaction is a No Cash-out Refinance |
| 1437534 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1443661 | XXXX | XXXX | Qualifying Credit Score | 0 | 717 | Tape data is 0. Audited value is 717. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 717. Experian score is 712. Transunion score is 755. |
| 1443661 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1443661 | XXXX | XXXX | Mtg Pymt | 1619.73 | 1925.46 | Bid Tape $1,619.73 is reflecting P and I payment. Audited Data of $1,925.46 verified is principle, interest, taxes, and insurance. HOA not included. |
| 1443661 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1443661 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438570 | XXXX | XXXX | Qualifying Credit Score | 0 | 717 | Tape data is 0. Audited value is 717. Auditor used the lowest score of the middle of the three scores for each borrower. Equifax score is 717. Experian score is 712. Transunion score is 755. |
| 1438570 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1438570 | XXXX | XXXX | Mtg Pymt | 779.62 | 914.16 | Bid Tape $779.62 is reflecting P&I payment. Audited Data of $914.16 verified is principle, interest, taxes, and insurance. |
| 1438570 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1438570 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438551 | XXXX | XXXX | Qualifying Credit Score | 0 | 719 | Bid Tape is 0 verified credit score with the credit report. |
| 1438551 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified loan as a DSCR with final approval |
| 1438551 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1438551 | XXXX | XXXX | Mtg Pymt | 5278.44 | 5932.27 | Verified with final closing disclosure and bank statements. |
| 1438551 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not applicable to refinances. Transaction is verified as a rate term refinance with final approval. |
| 1438551 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1438595 | XXXX | XXXX | Qualifying Credit Score | 0 | 756 | Tape data is 0. Audited value is 756. Auditor used lessor of middle three scores. Equifax score is 756. Experian score is 740. Transunion score is 775. |
| 1438595 | XXXX | XXXX | DSCR | 1.304 | 1.170 | Bid tape is 1.304. Audited value is 1.170. Gross Schedule Income is $1,060.00 divided by mortgage payment $908.46. |
| 1438595 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438595 | XXXX | XXXX | Mtg Pymt | 605.36 | 908.46 | Bid tape $605.36 P&I. Audited data $908.46 is PITIA. |
| 1438595 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX0. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438595 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439752 | XXXX | XXXX | Qualifying Credit Score | 0 | 674 | Tape data is 0. Audited value is 674. Auditor used lessor of middle three scores. Equifax score is 710. Experian score is 671. Transunion score is 674. |
| 1439752 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439752 | XXXX | XXXX | Mtg Pymt | 2070.30 | 2403.25 | Bid tape $2,070.30 is P&I. Audited data $2,403.25 is PITI. |
| 1439752 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | same |
| 1439752 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1439752 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438547 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape is 0. Audited value is 770 Auditor used middle of three scores. Equifax score 770 Experian score is 7752 Transunion score is 799. |
| 1438547 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | auditor confirmed with loan approval |
| 1438547 | XXXX | XXXX | Mtg Pymt | 1407.52 | 1744.37 | Bid Tape $1,407.52 reflects Principal and Interst, Audited Data $1,744.37 reflects Principal, Interest Taxes and Insurance. |
| 1438547 | XXXX | XXXX | Sales Price | XXXX |  | transaction is not a purchase |
| 1438547 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438579 | XXXX | XXXX | Qualifying Credit Score | 0 | 781 | Tape is blank. Audited value is 781 Auditor used middle of three scores. Equifax score 776 Experian score is 784 Transunion score is 781. |
| 1438579 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1438579 | XXXX | XXXX | Mtg Pymt | 1736.19 | 2429.49 | Bid Tape $1,736.19 is Principal and Interest. Audited Data $2,429.49 is Principal, Interest, Taxes, and Insurance. |
| 1438579 | XXXX | XXXX | Sales Price | XXXX |  | Verified that this was not a Purchase transaction. |
| 1438579 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438587 | XXXX | XXXX | Qualifying Credit Score | 0 | 757 | Qualifying FICO Tape data is 0. Audited value is 757??Auditor used middle of three scores. Equifax score is 764. Experian score is 757. Transunion score is BLANK |
| 1438587 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1438587 | XXXX | XXXX | Mtg Pymt | 884.03 | 1146.34 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1438587 | XXXX | XXXX | Sales Price | XXXX |  | This loan transaction is a DSCR Cash Out Refi not a purchase transaction |
| 1438587 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1434300 | XXXX | XXXX | Qualifying Credit Score | 0 | 781 | Tape is 0. Audited value is 781 Auditor used middle of three scores. Equifax score 781 Experian score is 773 Transunion score is 792. |
| 1434300 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1434300 | XXXX | XXXX | Mtg Pymt | 1094.79 | 1294.94 | Bid Tape $1,094.79 is reflecting Principal and Interest; Audited Data $1,294.94 is reflecting Principal, Interest, Taxes and Insurance |
| 1434300 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1438582 | XXXX | XXXX | Qualifying Credit Score | 0 | 690 | Qualifying FICO Tape data is 0. Audited value is 690.??Auditor used middle of three scores. Equifax score is 690. Experian score is 717. Transunion score is BLANK. |
| 1438582 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1438582 | XXXX | XXXX | Mtg Pymt | 1116.01 | 1370.78 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1438582 | XXXX | XXXX | Sales Price | XXXX |  | The current transaction is a DSCR Cash Out not a Purchase transaction |
| 1438582 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1447773 | XXXX | XXXX | Qualifying Credit Score | 0 | 712 | Qualifying FICO Tape data is 0. Audited value is 712. Auditor used middle of three scores. Equifax score is 712. Experian score is 709. Transunion score is 799. |
| 1447773 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1447773 | XXXX | XXXX | Mtg Pymt | 1098.73 | 1656.18 | Bid Tape $1,098.73 reflects Principal and Interest. Audited Data $1,656.18 reflects Principal, Interest, Taxes and Insurance. |
| 1447773 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1439748 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439748 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank. Audited Data Debt Service Coverage verified with Loan Approval. |
| 1439748 | XXXX | XXXX | Mtg Pymt | 1197.75 | 1495.90 | Bid Tape $1,197.75 is reflecting P&I. Audited Data of $1,495.90 verified is principle, interest, taxes, and insurance. |
| 1439748 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required. |
| 1439748 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439753 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439753 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank. Audited Data Debt Service Coverage verified with Loan Approval |
| 1439753 | XXXX | XXXX | Mtg Pymt | 1263.83 | 1550.73 | Bid Tape $1,263.83 is reflecting P&I. Audited Data of $1,550.73 is PITIA. |
| 1439753 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXXX. Audited data is blank. Subject was a refinance; sales price not required. |
| 1439753 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439765 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439765 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1439765 | XXXX | XXXX | Mtg Pymt | 1381.30 | 1676.29 | Bid Tape $1,381.30 is reflecting P and I payment. Audited Data of $1,676.29 verified is principle, interest, taxes, and insurance. |
| 1439765 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1439765 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439755 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439755 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1439755 | XXXX | XXXX | Mtg Pymt | 1449.12 | 1747.40 | Bid Tape $1,449.12 is reflecting P and I payment. Audited Data of $1,747.40 verified is principle, interest, taxes, and insurance. |
| 1439755 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1439755 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439747 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439747 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1439747 | XXXX | XXXX | Mtg Pymt | 1415.21 | 1724.09 | Bid Tape $1,415.21 is reflecting P and I payment. Audited Data of $1,724.09 verified is principle, interest, taxes, and insurance. Leasehold Rents not included. |
| 1439747 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1439747 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439749 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data 0 Audited value is 770 Auditor used middle of three scores. Equifax score 770 Experian score is 752, Transunion score is 799. |
| 1439749 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debti Service Coverage verified with Approval. |
| 1439749 | XXXX | XXXX | Mtg Pymt | 1370.46 | 1633.02 | Bid Tape $1,370.46 reflects Principal and Interest. Audited Data $1,633.02 reflects Principal, Interest, Taxes and Insurance. |
| 1439749 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXX. Audited data is Blank. Verified per final 1008 loan is refinance and sales price is not required |
| 1439749 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439757 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape is 0. Audited value is 770 Auditor used middle of three scores. Equifax score 770 Experian score is 752 Transunion score is 799. |
| 1439757 | XXXX | XXXX | DSCR | 1.007 | 1.060 | Bid Tape is 1.007, Audited Data 1.060, Gross Schedule Income $1,875 divided by monthly mortgage payment $1,771.95 equals DSCR Ratio 1.06 |
| 1439757 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Debe Service Coverage verified with Loan Approval |
| 1439757 | XXXX | XXXX | Mtg Pymt | 1421.15 | 1771.95 | Bid Tape $1,421.15 reflects Principal and Interest, $1,771.95 reflects Principal, Interest, Taxes, and Insurance. |
| 1439757 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX, Audited Data is blank. Verified per Loan Approval loan is refinance and sales price is not required. |
| 1439757 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439767 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Qualifying FICO Tape data is 0. Audited value is 770. Auditor used middle of three scores. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439767 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Dat Debt Service Coverage verified with Loan Approval |
| 1439767 | XXXX | XXXX | Mtg Pymt | 1397.87 | 1664.77 | Tape Data $1,397.87 reflects Principal and Interest, Audited Data $1,664.77 reflects Principal, Interest, Taxes and Insurance. |
| 1439767 | XXXX | XXXX | Sales Price | XXXX |  | This loan transaction is a DSCR Limited Cash Out Refi not a Purchase Transaction |
| 1439767 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438567 | XXXX | XXXX | Qualifying Credit Score | 0 | 702 | Tape data is 0. Audited value is 702. Auditor used lessor of middle three scores. Equifax score is 719. Experian score is 693. Transunion score is 702. |
| 1438567 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1438567 | XXXX | XXXX | Mtg Pymt | 749.48 | 918.67 | Bid tape $749.48 is P&I. Audited data $918.67 is PITIA. |
| 1438567 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438567 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438594 | XXXX | XXXX | Qualifying Credit Score | 0 | 784 | Tape data is 0. Audited value is 784. Auditor used lessor of middle three scores. Equifax score is 769. Experian score is 784. Transunion score is 787. |
| 1438594 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438594 | XXXX | XXXX | Mtg Pymt | 2148.62 | 2587.80 | Bid tape $2,148.62 is P&I. Audited data $2,587.80 is PITIA. |
| 1438594 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438594 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439762 | XXXX | XXXX | Qualifying Credit Score | 0 | 720 | Tape data is 0. Audited value is 720. Auditor used lessor of middle three scores. Equifax score is 720. Experian score is 722. Transunion score is 720. |
| 1439762 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439762 | XXXX | XXXX | Mtg Pymt | 1332.06 | 1538.09 | Bid tape $1,332.06 is P&I. Audited data $1,538.09 is PITIA. |
| 1439762 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1439762 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438569 | XXXX | XXXX | Qualifying Credit Score | 0 | 748 | Tape data is 0. Audited value is 748. Auditor used lessor of middle three scores. Equifax score is 748. Experian score is 749. Transunion score is 747. |
| 1438569 | XXXX | XXXX | DSCR | 1.488 | 1.550 | Bid tape is 1.488. Audited data is 1.550. Gross Schedule Income is $1,300.00 divided by mortgage payment $840.83. |
| 1438569 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438569 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1438569 | XXXX | XXXX | Mtg Pymt | 733.36 | 840.83 | Bid tape $733.36 is P&I. Audited data $840.83 is PITIA. |
| 1438569 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $4,500.00. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1438569 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1446283 | XXXX | XXXX | Amortization Type |  | Fixed | Verified w/ note |
| 1446283 | XXXX | XXXX | Appraised Value |  | XXXX |  |
| 1446283 | XXXX | XXXX | Qualifying Credit Score | 0 | 767 |  |
| 1446283 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1446283 | XXXX | XXXX | Original Interest Rate |  | 0.07875 | Verified w/ note |
| 1446283 | XXXX | XXXX | Original P&I |  | 0 | Verified Orig. P&I $652.56 reflected on legal screen |
| 1446283 | XXXX | XXXX | Maturity Date |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Original Loan Amount |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Note Date |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Original Term |  | 360 | Verified w/ note |
| 1446283 | XXXX | XXXX | Mtg Pymt |  | 787.26 |  |
| 1446283 | XXXX | XXXX | Property Street Address |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Property City |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Property State |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | Property Zip |  | XXXX | Verified w/ note |
| 1446283 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443666 | XXXX | XXXX | Qualifying Credit Score | 0 | 713 | Tape data is 0. Audited value is 713. Auditor used lessor of middle three scores. Equifax score is 736. Experian score is 698. Transunion score is 713. |
| 1443666 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1443666 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1443666 | XXXX | XXXX | Mtg Pymt | 1530.94 | 1750.10 | Bid tape $1,530.94 and is P&I. Audited data $1,750.10 is PITIA. |
| 1443666 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1443666 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441769 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape is 0 Audited value is 743 Auditor used middle of three scores. Equifax score 686 Experian score is 743 Transunion score is 744 |
| 1441769 | XXXX | XXXX | DSCR | 0.799 | 0.840 | Bid tape is 0.799. Audited DSCR value is .84. Gross Schedule Income is $3110 (market rents) -- divided by Monthly mortgage payment ITI of $3717.60. ($3419.45 I/O payment plus $221.20 tax, plus $60.95 haz, plus $16.00 HOA) |
| 1441769 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified to loan approval in file |
| 1441769 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1441769 | XXXX | XXXX | Mtg Pymt | 3419.45 | 3701.60 | $3419.45 represents the I/O payment and $3742.39 represents the ITI payment |
| 1441769 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX, Audited Data is blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1441769 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1438592 | XXXX | XXXX | Qualifying Credit Score | 0 | 747 | Tape data is 0. Audited value is 747. Auditor used lessor of middle three scores. Equifax score is 747. Experian score is 714. Transunion score is 780. |
| 1438592 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1438592 | XXXX | XXXX | Mtg Pymt | 1328.94 | 1557.44 | Bid tape $1,328.94 is P&I. Audited data $1,557.44 is PITIA. |
| 1438592 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1438592 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443667 | XXXX | XXXX | Qualifying Credit Score | 0 | 708 | Tape data is 0. Audited value is 708. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 708. Experian score is 754. Transunion score is 706. |
| 1443667 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with XXXX loan approval |
| 1443667 | XXXX | XXXX | Mtg Pymt | 675.06 | 928.07 | Bid tape $675.06 is reflecting P&I payment. Audit data of $928.07 verified is principle, interest, taxes and insurance. |
| 1443667 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439758 | XXXX | XXXX | Qualifying Credit Score | 0 | 702 | Tape data is 0. Audited value is 702. Auditor used lessor of middle three scores. Equifax score is 715. Experian score is 702. Transunion score is 693. |
| 1439758 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439758 | XXXX | XXXX | Mtg Pymt | 1692.52 | 1982.62 | Bid tape $1,692.52 is P&I. Audited data $1,982.62 is PITIA. |
| 1439758 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1439758 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443668 | XXXX | XXXX | Qualifying Credit Score | 0 | 671 | Verified with the credit report. |
| 1443668 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | No data to compare. |
| 1443668 | XXXX | XXXX | Mtg Pymt | 971.05 | 1105.99 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1443668 | XXXX | XXXX | Sales Price | XXXX |  | Verified transaction is a cash-out refinance value $210,000.00 |
| 1443668 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443669 | XXXX | XXXX | Qualifying Credit Score | 0 | 805 | Tape data is 0. Audited value is 805. Auditor used lessor of middle three scores. Equifax score is 805. Experian score is 840. Transunion score is 804. |
| 1443669 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank. Audited data is Debt Service Coverage. Verified per loan approval Doc Type is DSCR. |
| 1443669 | XXXX | XXXX | Mtg Pymt | 1060.30 | 1362.12 | Bid Tape $1,060.30 is P&I. Audited Data $1,362.12 is PITIA. |
| 1443669 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445975 | XXXX | XXXX | Qualifying Credit Score | 0 | 764 | Tape data is 0. Audited value is 764. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 738. Experian score is 764. Transunion score is 786. |
| 1445975 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1445975 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1445975 | XXXX | XXXX | Mtg Pymt | 1218.33 | 1580.31 | Bid Tape $1,218.33 is reflecting P and I payment. Audited Data of $1,580.31 verified is principle, interest, taxes, and insurance. |
| 1445975 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441764 | XXXX | XXXX | Qualifying Credit Score | 0 | 700 | Tape is 0 Audited value is 700 Auditor used middle of three scores. Equifax score 710 Experian score is 700 Transunion score is 694 |
| 1441764 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified the doc type as DSCR with the final approval. |
| 1441764 | XXXX | XXXX | Mtg Pymt | 1272.57 | 1737.25 | Bid Tape $1,272.57 is reflecting Principal and Interest. Audited Data $1,737.25 is reflecting Principal, Interest, Taxes and Insurance. |
| 1441764 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | Property type is the same, verified with appraisal |
| 1441764 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439756 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | Tape data is 0. Audited value is 770. Auditor used lessor of middle three scores. Equifax score is 770. Experian score is 752. Transunion score is 799. |
| 1439756 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439756 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1439756 | XXXX | XXXX | Mtg Pymt | 1306.59 | 1663.12 | Bid tape $1,306.59 is P&I. Audited data $1,663.12 is PITIA. |
| 1439756 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1439756 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1450285 | XXXX | XXXX | Qualifying Credit Score | 0 | 711 | Tape data 0 Audited value is 711 Auditor used borrowers middle of three scores. Equifax score 711 Experian score is 713 Transunion score is 676. |
| 1450285 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as a DSCR with final approval. |
| 1450285 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1450285 | XXXX | XXXX | Mtg Pymt | 1734.07 | 2577.63 | Bid Tape $1,734.07 is reflecting Interest. Audited Data $2577.63 is reflecting Interest, Taxes and Insurance. |
| 1450285 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not required for a refinance. |
| 1450285 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1443670 | XXXX | XXXX | Qualifying Credit Score | 0 | 757 | Tape data is 0. Audited value is 757. Auditor used lessor of middle three scores. Equifax score is 767. Experian score is 757. Transunion score is 757. |
| 1443670 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1443670 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1443670 | XXXX | XXXX | Note Date |  | XXXX | verified via note |
| 1443670 | XXXX | XXXX | Mtg Pymt | 7385.77 | 8435.79 | Bid tape $7,385.77 is P&I. Audited data $8,435.79 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1443670 | XXXX | XXXX | Property Street Address | XXXX | XXXX | verified via note |
| 1443670 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1443670 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1439770 | XXXX | XXXX | Qualifying Credit Score | 0 | 755 | Tape data 0 Audited value is 755 Auditor used middle of three scores. Equifax score 755 Experian score is 770, Transunion score is 749. |
| 1439770 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval |
| 1439770 | XXXX | XXXX | Mtg Pymt | 889.31 | 1326.98 | Bid Tape $899.31 reflects Principal, and Interest, Audited Data $1,326.98 reflects Principal, Interest, Taxes and Insurance. |
| 1439770 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1439770 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1456285 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Appraised value verified with appraisal. |
| 1456285 | XXXX | XXXX | Qualifying Credit Score | 0 | 760 | using mid score from credit report |
| 1456285 | XXXX | XXXX | DSCR | 1.428 | 1.390 | DSCR verified with first payment letter/lease agreements and appraisal. |
| 1456285 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1456285 | XXXX | XXXX | Mtg Pymt | 816.68 | 1081.77 | bid P&I, auditor PITI |
| 1456285 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1447776 | XXXX | XXXX | Qualifying Credit Score | 0 | 687 | Tape data is 0. Audited value is 687. Auditor used lessor of middle three scores. Equifax score is 689. Experian score is 687. Transunion score is 664. |
| 1447776 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1447776 | XXXX | XXXX | Mtg Pymt | 733.83 | 1081.75 | Bid tape $733.83 is P&I. Audited data $1,081.75 is PITIA. |
| 1447776 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1447776 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1439764 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape is $XXXX and is Sales price. Audited data is $XXXX and is appraised value verified by appraisal. |
| 1439764 | XXXX | XXXX | Qualifying Credit Score | 0 | 740 | Tape data is 0. Audited value is 740. Auditor used lessor of middle three scores. Equifax score is 737. Experian score is 740. Transunion score is 757. |
| 1439764 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439764 | XXXX | XXXX | Mtg Pymt | 1354.50 | 1798.07 | Bid tape $1,354.50 is P&I. Audited data $1,798.07 is PITIA. |
| 1439764 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443672 | XXXX | XXXX | Qualifying Credit Score | 0 | 711 | Tape data is 0. Audited value is 711. Auditor used lessor of middle three scores. Equifax score is 709. Experian score is 719. Transunion score is 711. |
| 1443672 | XXXX | XXXX | DSCR | 1.509 | 1.580 | Bid tape is 1.509. Audited value is 1.580. Gross Schedule Income is $3,290.00 divided by mortgage payment $2,087.10. |
| 1443672 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1443672 | XXXX | XXXX | Mtg Pymt | 1707.35 | 2087.10 | Bid tape $1,707.35 is P&I. Audited data $2,087.10 is PITIA. Verified Mtg Pymt per first payment letter. |
| 1443672 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1443672 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1455225 | XXXX | XXXX | Qualifying Credit Score | 0 | 690 | verified |
| 1455225 | XXXX | XXXX | DSCR | 0.908 | 0.830 | using lower rent collected of $1700/mo, DSCR is 0.83 |
| 1455225 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | dscr loan |
| 1455225 | XXXX | XXXX | Mtg Pymt | 1417.98 | 2059.57 | audit payment include taxes and insurance |
| 1455225 | XXXX | XXXX | Sales Price | XXXX |  | loan is cash-out refinance |
| 1455225 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1439746 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439746 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1439746 | XXXX | XXXX | Mtg Pymt | 1378.85 | 1755.42 | Bid tape $1,378.85 is P&I. Audited data $1,755.42 is PITI. HOA monthly dues of $245.00 is not included. |
| 1439746 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439763 | XXXX | XXXX | Qualifying Credit Score | 0 | 735 | Tape data is 0. Audited value is 735. Auditor used lessor of middle three scores. Equifax score is 741. Experian score is 720. Transunion score is 735. |
| 1439763 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439763 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1439763 | XXXX | XXXX | Mtg Pymt | 4028.75 | 4560.71 | Bid Tape $4,028.75 is P&I. Audited Data $4,560.71 is PITIA. |
| 1439763 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per loan approval transaction is refinance. Sales price is not required. |
| 1439763 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443675 | XXXX | XXXX | Qualifying Credit Score | 0 | 715 | Tape data 0 Audited value is 715 Auditor used middle of three scores. Equifax score 710 Experian score is 715, Transunion score is 738. |
| 1443675 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1443675 | XXXX | XXXX | Mtg Pymt | 898.64 | 1124.66 | Audited Data $898.64 reflects Principal and Interest. Audited Data $1,124.66 reflects Principal, Interest, taxes and Insurance. |
| 1443675 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX, Audited Data is blank. Verified per Loan Approval loan is refinance and sales price is not required. |
| 1443675 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1439759 | XXXX | XXXX | Qualifying Credit Score | 0 | 734 | Tape data is 0. Audited value is 734. Auditor used lessor of middle three scores. Equifax score is 759. Experian score is 702. Transunion score is 734. |
| 1439759 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1439759 | XXXX | XXXX | Mtg Pymt | 1096.42 | 1439.54 | Bid tape $1,096.42 is P&I. Audited data $1,439.54 is PITIA. |
| 1439759 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443677 | XXXX | XXXX | Qualifying Credit Score | 0 | 787 | Verified score with credit report |
| 1443677 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1443677 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1443677 | XXXX | XXXX | Mtg Pymt | 901.72 | 1153.88 | Bid Tape $901.72 is reflecting Principal and Interest. Audited Data $1,153.88 is reflecting Principal, Interest, Taxes and Insurance. |
| 1443677 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not required for a refinance. |
| 1443677 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1443678 | XXXX | XXXX | Qualifying Credit Score | 0 | 787 | Bid Tape is 0 and audited credit score was verified with credit report |
| 1443678 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified the doc type as a DSCR with final approval |
| 1443678 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1443678 | XXXX | XXXX | Mtg Pymt | 648.90 | 843.57 | Bid Tape $648.90 is reflecting Principal and Interest. Audited Data $843.57 is reflecting Principal, Interest, Taxes and Insurance. |
| 1443678 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not required for a refinance. |
| 1443678 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445952 | XXXX | XXXX | Qualifying Credit Score | 0 | 791 | Tape data 0 Audited value is 791 Auditor used middle of three scores. Equifax score 791 Experian score is 781, Transunion score is 804. |
| 1445952 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval |
| 1445952 | XXXX | XXXX | Mtg Pymt | 1179.09 | 1398.61 | Bid Tape Reflects $1,179.09 Principal and Interest, Audited Data $1,398.61 reflects Principal, Interest, Taxes and Insurance. |
| 1445952 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445952 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1443679 | XXXX | XXXX | Qualifying Credit Score | 0 | 656 | Tape data 0 Audited value is 656 Auditor used middle of three scores. Equifax score 635 Experian score is 736, Transunion score is 656. |
| 1443679 | XXXX | XXXX | Doc Type |  | Alternative Doc | bank statement loans are alternative document |
| 1443679 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1443679 | XXXX | XXXX | Mtg Pymt | 3629.27 | 4367.91 | Bid Tape $3,629.27 reflects Principal and Interest, Audited Data $4,367.91 reflects Principal, Interest, Taxes and Insurance. |
| 1443679 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1443679 | XXXX | XXXX | Qualifying DTI |  | 0.28505 |  |
| 1456902 | XXXX | XXXX | Qualifying Credit Score | 0 | 787 | Verified with the credit report. |
| 1456902 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1456902 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1456902 | XXXX | XXXX | Mtg Pymt | 953.91 | 1188.93 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1456902 | XXXX | XXXX | Sales Price | XXXX |  | Not required, this is a refinance. |
| 1456902 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1453781 | XXXX | XXXX | Qualifying Credit Score | 0 | 768 | Qualifying FICO Tape data is 0. Audited value is 768.??Auditor used middle of three scores. Equifax score is 768. Experian score is 768. Transunion score is 700. |
| 1453781 | XXXX | XXXX | DSCR | 1.548 | 1.150 | DSCR Calculations: Market Rent is 2700.00 but Market Rent on CDA is most conservative at 2000.00/PITI: 1744.24=1.15% |
| 1453781 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1453781 | XXXX | XXXX | Mtg Pymt | 1629.84 | 1744.24 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1453781 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447777 | XXXX | XXXX | Appraised Value | XXXX | XXXX | appraised value of $XXXX is verified from the appraisal. Tape value of $XXXX is the prior sale amount used to qualify the LTV |
| 1447777 | XXXX | XXXX | Qualifying Credit Score | 0 | 681 | Tape data is 0. Audited value is 681. Auditor used lessor of middle three scores. Equifax score is 681. Experian score is 667. Transunion score is 692. |
| 1447777 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1447777 | XXXX | XXXX | Mtg Pymt | 1302.22 | 1567.56 | Bid tape $1,302.22 is P&I. Audited data $1,567.56 is PITIA. |
| 1447777 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Verified per loan approval transaction is refinance. Sales Price is not required. |
| 1447777 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1441770 | XXXX | XXXX | Qualifying Credit Score | 0 | 767 | Tape data is 0. Audited value is 767. Auditor used lessor of middle three scores. Equifax score is 725. Experian score is 769. Transunion score is 767. |
| 1441770 | XXXX | XXXX | Doc Type |  | Alternative Doc | Verified as a Bank Statement alt-doc loan approval. |
| 1441770 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified via application |
| 1441770 | XXXX | XXXX | Mtg Pymt | 1108.87 | 1288.04 | Bid tape $1,108.87 is P&I. Audited data $1,288.04 is PITI. HOA monthly fee of $419.00 is not included. |
| 1441770 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/Points/DTI/QM APR/BKST Fail |
| 1441770 | XXXX | XXXX | Qualifying DTI |  | 0.51626 | Bid tape data is 51.630%. Audited data is 51.626. DTI is verified per the UW income calculation. Total debt $1,707.04/Total qualifying Income $3,306.53. |
| 1455174 | XXXX | XXXX | Qualifying Credit Score | 0 | 706 | Verified with the credit report. |
| 1455174 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1455174 | XXXX | XXXX | Mtg Pymt | 806.49 | 1095.96 | Original data shows P&I only and audited data is P&I, taxes and insurance. |
| 1455174 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1445956 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape $XXXX. Audit value $XXXX. Appraised value verified with Appraisal. |
| 1445956 | XXXX | XXXX | Qualifying Credit Score | 0 | 646 | Tape data is 0. Audited value is 646. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 677. Experian score is 646. Transunion score is 615. |
| 1445956 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1445956 | XXXX | XXXX | Loan Purpose | NoCash-Out Refinance | Refinance - Cash Out |  |
| 1445956 | XXXX | XXXX | Mtg Pymt | 535.98 | 730.02 | Bid Tape $535.98 is reflecting P and I payment. Audited Data of $730.02 verified is principle, interest, taxes, and insurance. |
| 1445956 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1445956 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445959 | XXXX | XXXX | Qualifying Credit Score | 0 | 724 | Tape data is 0. Audited value is 724. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 719. Experian score is 735. Transunion score is 724. |
| 1445959 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1445959 | XXXX | XXXX | Mtg Pymt | 1382.09 | 1917.47 | Bid Tape $1,382.09 is reflecting P and I payment. Audited Data of $1,917.47 verified is principle, interest, taxes, and insurance. |
| 1445959 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1445959 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1453777 | XXXX | XXXX | Qualifying Credit Score | 0 | 785 | Verified with credit report |
| 1453777 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with approval |
| 1453777 | XXXX | XXXX | Mtg Pymt | 2350.59 | 2868.90 | Audited data includes taxes and insurance |
| 1453777 | XXXX | XXXX | QM Status |  | Exempt | business purpose is exempt |
| 1447756 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval |
| 1447756 | XXXX | XXXX | Mtg Pymt | 1167.46 | 1445.75 | Bid Tape $1,167.46 reflects Principal and Interest. Audited Data $1,445.75 reflects Principal, Interest, Taxes and Insurance. |
| 1447756 | XXXX | XXXX | Qualifying Credit Score | 0 | 721 | Tape data 0 Audited value is 721 Auditor used middle of three scores. Equifax score 721 Experian score is 733, Transunion score is 719. |
| 1447756 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1453783 | XXXX | XXXX | Appraised Value | XXXX | XXXX | using value from appraisal |
| 1453783 | XXXX | XXXX | Qualifying Credit Score | 0 | 776 | mid score from credit report |
| 1453783 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1453783 | XXXX | XXXX | Interest Only | N | Y | Verified w/ note |
| 1453783 | XXXX | XXXX | Mtg Pymt | 3944.53 | 5157.89 | bid P&I, auditor PITI |
| 1453783 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1452223 | XXXX | XXXX | DSCR | 1.462 | 1.400 | Bid Tape is 1.46 , Audited Data is 1.40 Gross Scheduled Income is $1,200 / divided by monthly mortgage payment $854.86 is equal to a 1.40 DSCR |
| 1452223 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified that doc type is a DSCR with final approval. |
| 1452223 | XXXX | XXXX | Mtg Pymt | 645.89 | 854.86 | Bid Tape $645.89 is reflecting Principal and Interest. Audited Data $1854.86 is reflecting Principal, Interest, Taxes and Insurance. |
| 1452223 | XXXX | XXXX | QM Status |  | Exempt | verified bus purpose is exempt |
| 1447755 | XXXX | XXXX | Qualifying Credit Score | 0 | 744 | Tape data is 0. Audited value is 744. Auditor used lessor of middle three scores. Equifax score is 750. Experian score is 741. Transunion score is 744. |
| 1447755 | XXXX | XXXX | DSCR | 1.005 | 1.110 | Bid tape is 1.005. Audited value is 1.110. Gross Schedule Income is $2,100.00 divided by mortgage payment $1,891.29. |
| 1447755 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is Blank. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1447755 | XXXX | XXXX | Mtg Pymt | 1568.33 | 1891.29 | Bid tape $1,638.33 is P&I. Audited data $1,891.30 is PITIA. |
| 1447755 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audited data is Blank. Verified per approval transaction is refinance. Sales price is not required. |
| 1447755 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1445960 | XXXX | XXXX | Qualifying Credit Score | 0 | 785 | Tape is 0. Audited value is 785 Auditor used middle of three scores. Equifax score 785 Experian score is 775 Transunion score is 792. |
| 1445960 | XXXX | XXXX | DSCR | 1.280 | 1.140 | Discrepancy on the property taxes--used higher amount |
| 1445960 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified to loan approval in file |
| 1445960 | XXXX | XXXX | Mtg Pymt | 2478.11 | 3516.97 | $2478.11 represents the P&I payment and $3516.96 represents the PITI payment |
| 1445960 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1445946 | XXXX | XXXX | Qualifying Credit Score | 0 | 665 | Tape data 0 Audited value is 655 Auditor used middle of three scores. Equifax score 712 Experian score is 664, Transunion score is 665. |
| 1445946 | XXXX | XXXX | Doc Type |  | Alternative Doc | Audited Data Alternative Doc verified with Approval. |
| 1445946 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified. |
| 1445946 | XXXX | XXXX | Mtg Pymt | 1710.16 | 2020.26 | Bid Tape $1,710.16 reflects Principal and Interest. Audited Data $2,020.26 reflects Principal, Interest, Taxes and Insurance. |
| 1445946 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/HPML/BKST Fail |
| 1445946 | XXXX | XXXX | Qualifying DTI |  | 0.29944 |  |
| 1445961 | XXXX | XXXX | Qualifying Credit Score | 0 | 713 | Tape data 0 Audited value is 713 Auditor used middle of three scores. Equifax score 715 Experian score is 713, Transunion score is 699. |
| 1445961 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1445961 | XXXX | XXXX | Mtg Pymt | 886.49 | 1022.10 | Bid Tape $886.49 reflects Principal and Interest. Audited Data $1,022.10 reflects Principal, Interest, Taxes and Insurance. |
| 1445961 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445961 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1441774 | XXXX | XXXX | Qualifying Credit Score | 0 | 741 | Tape is 0 Audited value is 741 Auditor used middle of three scores. Equifax score 739 Experian score is 743 Transunion score is 741 |
| 1441774 | XXXX | XXXX | Doc Type |  | Alternative Doc | Audited Data Alternative Doc verified with Bank Statement Worksheet. |
| 1441774 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified w/ occupancy certificate |
| 1441774 | XXXX | XXXX | Mtg Pymt | 19457.94 | 26718.02 | Bid Tape $19,457.94 reflects Principal and Interest, Audited Data $26,718.02 reflects Principal, Interest, Taxes and Insurance. |
| 1441774 | XXXX | XXXX | QM Status |  | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1441774 | XXXX | XXXX | Qualifying DTI |  | 0.14001 | Audited Data Blank, Missing Approval |
| 1455184 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Credit Score verified with credit report. |
| 1455184 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type verified with Loan Approval. |
| 1455184 | XXXX | XXXX | Mtg Pymt | 1776.42 | 1954.40 | Mortgage payment verified with First Payment Letter. |
| 1455184 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a refinance. |
| 1455184 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1445948 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data is 0. Audited value is 743. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 761. Experian score is 729. Transunion score is 743. |
| 1445948 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1445948 | XXXX | XXXX | Mtg Pymt | 1121.74 | 1293.37 | Bid Tape $1,121.74 is reflecting P and I payment. Audited Data of $1,293.37 verified is principle, interest, taxes, and insurance. |
| 1445948 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1445948 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445953 | XXXX | XXXX | Qualifying Credit Score | 0 | 743 | Tape data is 0. Audited value is 743. Auditor used the lowest score of the middle of the three scores for the borrower. Equifax score is 761. Experian score is 729. Transunion score is 743. |
| 1445953 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1445953 | XXXX | XXXX | Mtg Pymt | 1118.89 | 1390.06 | Bid Tape $1,118.89 is reflecting P and I payment. Audited Data of $1,390.06 verified is principle, interest, taxes, and insurance. |
| 1445953 | XXXX | XXXX | Sales Price | XXXX |  | Bid tape is $XXXX. Audit data is blank. Subject was a refinance; sales price not required |
| 1445953 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1445951 | XXXX | XXXX | Qualifying Credit Score | 0 | 732 | Tape data 0 Audited value is 732 Auditor used middle of three scores. Equifax score 732 Experian score is 783, Transunion score is 721. |
| 1445951 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service verified with Loan Approval. |
| 1445951 | XXXX | XXXX | Mtg Pymt | 1096.02 | 1884.38 | Bid Tape $1,096.02 reflects Principal and Interest. Audited Data $1,884.38 reflects Principal, Interest, Taxes and Insurance. |
| 1445951 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1452228 | XXXX | XXXX | Qualifying Credit Score | 0 | 777 | confirmed with mid score from credit report |
| 1452228 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1452228 | XXXX | XXXX | Mtg Pymt | 2971.55 | 3399.67 | bid P&I, auditor PITI |
| 1452228 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1445955 | XXXX | XXXX | Qualifying Credit Score | 0 | 753 | Tape data 0 Audited value is 753 Auditor used middle of three scores. Equifax score 753 Experian score is 739, Transunion score is 771. |
| 1445955 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1445955 | XXXX | XXXX | Mtg Pymt | 859.89 | 976.65 | Bid Tape $859.89 reflects Principal and Interest, Audited Data $976.65 reflects Principal, Interest, Taxes and Insurance. |
| 1445955 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445955 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1455176 | XXXX | XXXX | Qualifying Credit Score | 0 | 786 | Verified with the credit report. |
| 1455176 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1455176 | XXXX | XXXX | Mtg Pymt | 1629.84 | 2311.56 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1455176 | XXXX | XXXX | Property Street Address | XXXX | XXXX | verified |
| 1455176 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a refinance. |
| 1455176 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1450288 | XXXX | XXXX | Qualifying Credit Score | 0 | 731 | Qualifying FICO Tape data is 0. Audited value is 731.??Auditor used middle of three scores. Equifax score is 701. Experian score is 743. Transunion score is 731. |
| 1450288 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1450288 | XXXX | XXXX | Mtg Pymt | 873.72 | 1234.46 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1450288 | XXXX | XXXX | Sales Price | XXXX |  | - Loan program is a Cash Out Refi not a Purchase transaction |
| 1450288 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447749 | XXXX | XXXX | Qualifying Credit Score | 0 | 718 | Verified with the credit report. |
| 1447749 | XXXX | XXXX | Doc Type |  | Full | Verified with the loan approval. |
| 1447749 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1447749 | XXXX | XXXX | Mtg Pymt | 11789.79 | 13645.23 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1447749 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1447749 | XXXX | XXXX | Qualifying DTI |  | 0.45689 | Original data is rounded up. |
| 1450290 | XXXX | XXXX | Qualifying Credit Score | 0 | 749 | using mid score from credit report |
| 1450290 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1450290 | XXXX | XXXX | Mtg Pymt | 621.51 | 739.39 | bid P&I, auditor PITI |
| 1450290 | XXXX | XXXX | Sales Price | XXXX |  | transaction not a purchase |
| 1450290 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455199 | XXXX | XXXX | Qualifying Credit Score | 0 | 655 | Verified with credit report |
| 1455199 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with Approval |
| 1455199 | XXXX | XXXX | Mtg Pymt | 765.91 | 919.23 | Audited data includes taxes and insurance |
| 1455199 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1455221 | XXXX | XXXX | Qualifying Credit Score | 0 | 711 | verified |
| 1455221 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1455221 | XXXX | XXXX | Mtg Pymt | 923.74 | 1130.11 | audited payment includes taxes and ins |
| 1455221 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a refinance. |
| 1455221 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1446284 | XXXX | XXXX | Amortization Type |  | Fixed |  |
| 1446284 | XXXX | XXXX | Appraised Value |  | XXXX |  |
| 1446284 | XXXX | XXXX | Qualifying Credit Score | 0 | 757 |  |
| 1446284 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1446284 | XXXX | XXXX | Interest Only | N | Y |  |
| 1446284 | XXXX | XXXX | Original Interest Rate |  | 0.07875 |  |
| 1446284 | XXXX | XXXX | Original P&I |  | 0 |  |
| 1446284 | XXXX | XXXX | Maturity Date |  | XXXX |  |
| 1446284 | XXXX | XXXX | Original Loan Amount |  | XXXX |  |
| 1446284 | XXXX | XXXX | Note Date |  | XXXX |  |
| 1446284 | XXXX | XXXX | Original Term |  | 480 |  |
| 1446284 | XXXX | XXXX | Mtg Pymt |  | 8194.40 |  |
| 1446284 | XXXX | XXXX | Prepayment Term |  | 60 |  |
| 1446284 | XXXX | XXXX | Property Street Address |  | XXXX |  |
| 1446284 | XXXX | XXXX | Property City |  | XXXX |  |
| 1446284 | XXXX | XXXX | Property State |  | XXXX |  |
| 1446284 | XXXX | XXXX | Property Zip |  | XXXX |  |
| 1446284 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1450291 | XXXX | XXXX | Qualifying Credit Score | 0 | 765 | Bid Tape is 0, Audited qualifying score was verified with the credit report. |
| 1450291 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, Audited doc type was verified with the final approval. |
| 1450291 | XXXX | XXXX | Mtg Pymt | 759.45 | 1131.46 | Bid Tape $759.45 is reflecting Principal and Interest. Audited Data $1,131.46 is reflecting Principal, Interest, Taxes and Insurance. |
| 1450291 | XXXX | XXXX | Sales Price | XXXX |  | This is not required for a refinance. |
| 1450291 | XXXX | XXXX | QM Status |  | Exempt | Bid Tape $759.45 is reflecting Principal and Interest. Audited Data $1,131.46 is reflecting Principal, Interest, Taxes and Insurance. |
| 1450293 | XXXX | XXXX | Qualifying Credit Score | 0 | 680 | Not required foreign national loan. |
| 1450293 | XXXX | XXXX | Doc Type |  | Alternative Doc |  |
| 1450293 | XXXX | XXXX | Occupancy | SecondHome | Second Home | verified |
| 1450293 | XXXX | XXXX | Mtg Pymt | 3806.61 | 4790.66 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1450293 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1450293 | XXXX | XXXX | Qualifying DTI |  | 0.26543 |  |
| 1455178 | XXXX | XXXX | Qualifying Credit Score | 0 | 677 | Credit score verified with credit report. |
| 1455178 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1455178 | XXXX | XXXX | Mtg Pymt | 2994.30 | 4124.15 | Mortgage payment verified with first payment letter. |
| 1455178 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a refinance. |
| 1455178 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1452256 | XXXX | XXXX | Appraised Value | XXXX | XXXX | confirmed with appraisal and CDA |
| 1452256 | XXXX | XXXX | Qualifying Credit Score | 0 | 728 | using mid score from credit report |
| 1452256 | XXXX | XXXX | Original CLTV | 0.668560 | 0.679345 | Confimed with value from appraisal |
| 1452256 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confimed with loan approval |
| 1452256 | XXXX | XXXX | Original LTV | 0.668560 | 0.679345 | confirmed with value from appraisal |
| 1452256 | XXXX | XXXX | Mtg Pymt | 1638.00 | 1959.83 | bid P&I, auditor PITI |
| 1452256 | XXXX | XXXX | Sales Price | XXXX |  | transaction is not a purchase |
| 1452256 | XXXX | XXXX | QM Status |  | Exempt | business purpose is exempt |
| 1445977 | XXXX | XXXX | Qualifying Credit Score | 0 | 752 | Tape data 0 Audited value is 752 Auditor used middle of three scores. Equifax score 752 Experian score is 731, Transunion score is 760. |
| 1445977 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1445977 | XXXX | XXXX | Mtg Pymt | 909.87 | 1091.43 | Bid Tape $909.87 reflects Principal and Interest, Audited Data $1,091.43 reflects Principal, Interest, Taxes and Insurance. |
| 1445977 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1445980 | XXXX | XXXX | Qualifying Credit Score | 0 | 752 | Tape data 0 Audited value is 752 Auditor used middle of three scores. Equifax score 752 Experian score is 731, Transunion score is 760. |
| 1445980 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1445980 | XXXX | XXXX | Mtg Pymt | 909.87 | 1206.02 | Bid Tape $909.87 is reflecting Principal and Interest. Audited Data $1,206.02 is reflecting Principal, Interest, Taxes and Insurance. |
| 1445980 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1452246 | XXXX | XXXX | Qualifying Credit Score | 0 | 703 | confirmed with mid score from credit report |
| 1452246 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1452246 | XXXX | XXXX | Mtg Pymt | 4215.19 | 4833.05 | bid P&I, auditor PITI |
| 1452246 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1445978 | XXXX | XXXX | Qualifying Credit Score | 0 | 752 | Tape data 0 Audited value is 752 Auditor used middle of three scores. Equifax score 752 Experian score is 731, Transunion score is 760. |
| 1445978 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid tape is blank, verified the doc type as a DSCR with the final approval. |
| 1445978 | XXXX | XXXX | Mtg Pymt | 909.87 | 1094.97 | Bid Tape $909.87 is reflecting Principal and Interest. Audited Data $1,094.97 is reflecting Principal, Interest, Taxes and Insurance. |
| 1445978 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1447775 | XXXX | XXXX | Qualifying Credit Score | 0 | 729 | auditor used mid score from credit report |
| 1447775 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1447775 | XXXX | XXXX | Mtg Pymt | 2961.17 | 3745.55 | bid P&I, auditor PITI |
| 1447775 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1445958 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Audited Data $XXXX verified with Appraisal. |
| 1445958 | XXXX | XXXX | Qualifying Credit Score | 0 | 722 | Tape data 0 Audited value is 722 Auditor used borrowers middle of three scores. Equifax score 757 Experian score is 711, Transunion score is 722. |
| 1445958 | XXXX | XXXX | DSCR | 1.042 |  | Audited Data Bland, Verified with Loan Approval loan is not a DSCR Loan. |
| 1445958 | XXXX | XXXX | Doc Type |  | Alternative Doc | Audited Data verified with Loan Approval. |
| 1445958 | XXXX | XXXX | Mtg Pymt | 1583.27 | 2302.79 | Bid Tape reflects Principal and Interest. Audited Data $2,302.79 reflects Principal, Interest, Taxes and Insurance. |
| 1445958 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1445958 | XXXX | XXXX | Qualifying DTI |  | 0.23337 | Audited Data 21.74 reflects monthly income/ monthly debt. |
| 1445971 | XXXX | XXXX | Qualifying Credit Score | 0 | 773 | Tape data 0 Audited value is 773 Auditor used middle of three scores. Equifax score 783 Experian score is 754, Transunion score is 773. |
| 1445971 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1445971 | XXXX | XXXX | Mtg Pymt | 2528.15 | 2799.58 | Bid Tape $2,528.15 reflects Principal and Interest. Audited Data $2,799.58 reflects Principal, Interest, Taxes and Insurance. |
| 1445971 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXXX Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445971 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1455201 | XXXX | XXXX | Qualifying Credit Score | 0 | 677 | Verified with credit report |
| 1455201 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | verified with approval |
| 1455201 | XXXX | XXXX | Mtg Pymt | 1790.25 | 2109.98 | Audited data includes taxes and insurance |
| 1455201 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1447778 | XXXX | XXXX | Qualifying Credit Score | 0 | 769 | confirmed with mid score from credit report |
| 1447778 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | auditor confirmed with loan approval |
| 1447778 | XXXX | XXXX | Mtg Pymt | 1151.42 | 1511.42 | bid P&I, auditor PITI |
| 1447778 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452214 | XXXX | XXXX | Qualifying Credit Score | 0 | 755 | Verified with credit report |
| 1452214 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | verified with approval |
| 1452214 | XXXX | XXXX | Mtg Pymt | 733.76 | 1336.61 | Audited data includes taxes and insurance |
| 1452214 | XXXX | XXXX | Sales Price | XXXX |  | loan is a refi |
| 1452214 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1447763 | XXXX | XXXX | Qualifying Credit Score | 0 | 710 | Tape data 0 Audited value is 710 Auditor used borrowers middle of three scores. Equifax score 677 Experian score is 710 Transunion score is 731. |
| 1447763 | XXXX | XXXX | Doc Type |  | Alternative Doc | Audited Data Alternative Doc with Loan Approval. |
| 1447763 | XXXX | XXXX | Mtg Pymt | 6396.13 | 7756.13 | Bid Tape $6,396.13 is reflecting Principal and Interest. Audited Data $7,756.13 is reflecting Principal, Interest, Taxes and Insurance. |
| 1447763 | XXXX | XXXX | Prepayment Term |  | 360 | verified |
| 1447763 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447763 | XXXX | XXXX | Qualifying DTI |  | 0.21882 |  |
| 1450292 | XXXX | XXXX | Qualifying Credit Score | 0 | 768 | Credit score verified with credit report. |
| 1450292 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type verified with Loan APproval. |
| 1450292 | XXXX | XXXX | Mtg Pymt | 1298.06 | 1745.24 | Mortgage payment verified with Closing Disclosure and note. |
| 1450292 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo-Hi >8 Stories | Property type verified with appraisal. |
| 1450292 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447759 | XXXX | XXXX | Qualifying Credit Score | 0 | 765 | Tape data 0 Audited value is 765 Auditor used borrowers middle of three scores. Equifax score 780 Experian score is 765, Transunion score is 703. |
| 1447759 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1447759 | XXXX | XXXX | Mtg Pymt | 1187.40 | 1665.08 | Bid Tape $1,187.40 reflects Principal and Interest, Audited Data $1,665.08 reflects Principal, Interest, Taxes and Insurance. |
| 1447759 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452250 | XXXX | XXXX | Qualifying Credit Score | 0 | 739 | Verified with the credit report. |
| 1452250 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1452250 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1452250 | XXXX | XXXX | Mtg Pymt | 1126.81 | 1434.53 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1452250 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1450286 | XXXX | XXXX | Qualifying Credit Score | 0 | 752 | Bid Tape is 0, Audited score was verified with the credit report. |
| 1450286 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1450286 | XXXX | XXXX | Mtg Pymt | 1825.14 | 2218.28 | Bid Tape $1,825.14 is reflecting Principal and Interest. Audited Data $2,218.28 is reflecting Principal, Interest, Taxes and Insurance. |
| 1450286 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447752 | XXXX | XXXX | Qualifying Credit Score | 0 | 645 | Borrower FICO Tape data is 0. Audited value is 645.??Auditor used middle of three scores. Equifax score is 656. Experian score is 645. Transunion score is 637. ? ? Co-Borr FICO Score? Tape data is 0. Audited data is 662. Audited data used middle of three scores. Equifax score is 662, Experian score is 645 and TransUnion is 682.? Borrower FICO Tape data is 0. Audited value is 645.??Auditor used middle of three scores. Equifax score is 656. Experian score is 645. Transunion score is 637. ? ? Co-Borr FICO Score? Tape data is 0. Audited data is 662. Audited data used middle of three scores. Equifax score is 662, Experian score is 645 and TransUnion is 682.? Borrower FICO Tape data is 0. Audited value is 645.??Auditor used middle of three scores. Equifax score is 656. Experian score is 645. Transunion score is 637. ? ? Co-Borr FICO Score? Tape data is 0. Audited data is 662. Audited data used middle of three scores. Equifax score is 662, Experian score is 645 and Tra |
| 1447752 | XXXX | XXXX | Doc Type |  | Alternative Doc | - Verified doc type is an Alternate Doc verified with the Loan Approval & the Loan Program ID |
| 1447752 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified via application |
| 1447752 | XXXX | XXXX | Mtg Pymt | 3345.46 | 3958.19 | -Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1447752 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1447752 | XXXX | XXXX | Qualifying DTI |  | 0.24747 |  |
| 1445974 | XXXX | XXXX | Qualifying Credit Score | 0 | 717 | Tape data 0 Audited value is 717 Auditor used middle of three scores. Equifax score 717 Experian score is 712, Transunion score is 755. |
| 1445974 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape Debt Service Coverage verified with Loan Approval. |
| 1445974 | XXXX | XXXX | Mtg Pymt | 1336.49 | 1529.39 | Bid Tape $1,336.49 reflects Principal and Interest. Audited Data $1,529.39 reflects Prinicpal, Interest, Taxes and Insurance. |
| 1445974 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape is $XXXX. Audited Data is Blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1445974 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1450296 | XXXX | XXXX | Qualifying Credit Score | 0 | 792 | Tape data 0 Audited value is 792 Auditor used borrowers middle of three scores. Equifax score 792 Experian score is 799 Transunion score is 788 |
| 1450296 | XXXX | XXXX | Doc Type |  | Alternative Doc |  |
| 1450296 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1450296 | XXXX | XXXX | Mtg Pymt | 1063.70 | 1433.90 | Bid Tape $1,063.70 reflects Principal and Interest. Audited Data $1,433.90 reflects Principal, Interest, Taxes and Insurance. |
| 1450296 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1450296 | XXXX | XXXX | Qualifying DTI |  | 0.21680 |  |
| 1447765 | XXXX | XXXX | Qualifying Credit Score | 0 | 785 | Bid Tape is 0, audited score was verified with the credit report. |
| 1447765 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with the final approval. |
| 1447765 | XXXX | XXXX | Interest Only | N | Y |  |
| 1447765 | XXXX | XXXX | Mtg Pymt | 2684.01 | 3138.80 | Bid Tape $2,684.01 is reflecting Principal and Interest. Audited Data $3,138.80 is reflecting Principal, Interest, Taxes and Insurance. |
| 1447765 | XXXX | XXXX | Prepayment Term | 60 |  |  |
| 1447765 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1450287 | XXXX | XXXX | Qualifying Credit Score | 0 | 793 | Borrower FICO or Qualifying FICO? Tape data is 0. Audited value is 793.??Auditor used middle of three scores. Equifax score is 771. Experian score is 797. Transunion score is 793. ? |
| 1450287 | XXXX | XXXX | Doc Type |  | Full | Verified doc type is a Full Doc verified with the Loan Approval & the Loan Program ID |
| 1450287 | XXXX | XXXX | Mtg Pymt | 3344.38 | 3841.93 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance& HOA Dues |
| 1450287 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1450287 | XXXX | XXXX | Qualifying DTI |  | 0.38086 |  |
| 1450303 | XXXX | XXXX | Qualifying Credit Score | 0 | 771 | Credit report verified with credit report. |
| 1450303 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1450303 | XXXX | XXXX | Mtg Pymt | 1431.38 | 1646.83 | Mortgage payment verified with note and closing disclosure. |
| 1450303 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452243 | XXXX | XXXX | Qualifying Credit Score | 0 | 801 | Qualifying FICO Tape data is 0. Audited value is 801.??Auditor used middle of three scores. Equifax score is 694. Experian score is 685. Transunion score is 684. Lowest Mid Score of both borrowers is 685 |
| 1452243 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1452243 | XXXX | XXXX | Mtg Pymt | 1503.56 | 2030.82 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1452243 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447751 | XXXX | XXXX | Qualifying Credit Score | 0 | 734 | Tape data 0 Audited value is 734 Auditor used middle of three scores. Equifax score 759 Experian score is 702, Transunion score is 734. |
| 1447751 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1447751 | XXXX | XXXX | Mtg Pymt | 2467.92 | 3212.64 | Bid Tape $2,467.92 reflects Principal and Interest. Audited Data $3,212.64 reflects Principal, Interest, Taxes and Insurance. |
| 1447751 | XXXX | XXXX | Sales Price | XXXX |  | Bid Tape $XXXX, Audited Data is blank. Verified per Loan Approval loan is a refinance and sales price is not required. |
| 1447751 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452241 | XXXX | XXXX | Qualifying Credit Score | 0 | 715 | Verified with credit report |
| 1452241 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | verified with approval |
| 1452241 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452241 | XXXX | XXXX | Mtg Pymt | 1171.88 | 1379.65 | Audited data includes taxes and insurance |
| 1452241 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455209 | XXXX | XXXX | Qualifying Credit Score | 0 | 763 | Verified with the loan approval. |
| 1455209 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1455209 | XXXX | XXXX | Mtg Pymt | 917.27 | 1159.86 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1455209 | XXXX | XXXX | Sales Price | XXXX |  | Not required for a refinance. |
| 1455209 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1452233 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1452233 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1452233 | XXXX | XXXX | Mtg Pymt | 2597.05 | 3214.02 | bid P&I, auditor PITI |
| 1452233 | XXXX | XXXX | Property Type | PUD | Townhouse |  |
| 1452233 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452245 | XXXX | XXXX | Qualifying Credit Score | 0 | 664 | Verified with credit report |
| 1452245 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1452245 | XXXX | XXXX | Mtg Pymt | 1944.48 | 2396.59 | Audited data includes taxes and insurance |
| 1452245 | XXXX | XXXX | Sales Price | XXXX |  | Transaction is a refinance. |
| 1452245 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455207 | XXXX | XXXX | Qualifying Credit Score | 0 | 690 | Verified with the credit report. |
| 1455207 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with the loan approval. |
| 1455207 | XXXX | XXXX | Mtg Pymt | 700.98 | 964.28 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1455207 | XXXX | XXXX | Sales Price | XXXX |  | transaction not a purchase |
| 1455207 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1455181 | XXXX | XXXX | Qualifying Credit Score | 0 | 661 | Verified to the credit report in file |
| 1455181 | XXXX | XXXX | Doc Type |  | Alternative Doc | Bank statements per documents in file |
| 1455181 | XXXX | XXXX | Interest Only | N | Y | Verified per Note. |
| 1455181 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified, primary residence/primary=same |
| 1455181 | XXXX | XXXX | Mtg Pymt | 2057.71 | 2443.41 | $2057.71 represents the I/O payment and $2443.41 represents the ITI payment |
| 1455181 | XXXX | XXXX | QM Status |  | Non-QM | pts and fees; io; term; appendix q |
| 1455181 | XXXX | XXXX | Qualifying DTI |  | 0.41701 |  |
| 1450305 | XXXX | XXXX | Qualifying Credit Score | 0 | 716 | verified with credit report |
| 1450305 | XXXX | XXXX | Doc Type |  | Alternative Doc |  |
| 1450305 | XXXX | XXXX | Mtg Pymt | 3304.14 | 4087.69 | audited data includes taxes and insurance |
| 1450305 | XXXX | XXXX | Property Type | PUD | Townhouse | verified with appraisal |
| 1450305 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1450305 | XXXX | XXXX | Qualifying DTI |  | 0.21467 |  |
| 1447770 | XXXX | XXXX | Qualifying Credit Score | 0 | 725 | using mid score from credit report |
| 1447770 | XXXX | XXXX | DSCR | 1.445 | 1.020 | using leases provided |
| 1447770 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1447770 | XXXX | XXXX | Mtg Pymt | 2496.05 | 4021.76 | bid P&I, auditor PITI |
| 1447770 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455219 | XXXX | XXXX | Qualifying Credit Score | 0 | 738 | using mid score from credit report |
| 1455219 | XXXX | XXXX | DSCR | 0.929 | 0.970 | Exception granted for DSCR under 1.00 |
| 1455219 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | using appraisers market rents for DSCR calculation |
| 1455219 | XXXX | XXXX | Mtg Pymt | 4432.98 | 5216.93 | bid P&T, auditor PITI |
| 1455219 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1453788 | XXXX | XXXX | Qualifying Credit Score | 0 | 715 | Verified to the credit report in file |
| 1453788 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR loan type per loan approval in file |
| 1453788 | XXXX | XXXX | Mtg Pymt | 2829.74 | 3665.38 | $2829.74 represents the P&I payment and $3665.38 represents the PITI payment |
| 1453788 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified. |
| 1453788 | XXXX | XXXX | Sales Price | XXXX |  | UTD for this cash out refi |
| 1453788 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1447753 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid Tape $XXXX reflects the Purchase Price. Audited Data $XXXX verified with Appraisal. |
| 1447753 | XXXX | XXXX | Qualifying Credit Score | 0 | 723 | Tape data 0 Audited value is 723 Auditor used borrowers middle of three scores. Equifax score 700 Experian score is 756, Transunion score is 723. |
| 1447753 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited Data Debt Service Coverage verified with Approval. |
| 1447753 | XXXX | XXXX | Mtg Pymt | 1121.27 | 1353.76 | Bid Tape $1,121.27 reflects Principal and Interest. Audited Data $1,353.76 reflects Principal, Interest, Taxes and Insurance. |
| 1447753 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1453782 | XXXX | XXXX | Qualifying Credit Score | 0 | 718 | Credit score verified with credit report. |
| 1453782 | XXXX | XXXX | Doc Type |  | Alternative Doc | Doc type verified with loan approval. |
| 1453782 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1453782 | XXXX | XXXX | Mtg Pymt | 5090.21 | 6862.90 | mortgage payment verified with note and closing disclosure. |
| 1453782 | XXXX | XXXX | Sales Price | XXXX |  | Verified as a refinance. |
| 1453782 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1453782 | XXXX | XXXX | Qualifying DTI |  | 0.16478 |  |
| 1455215 | XXXX | XXXX | Qualifying Credit Score | 0 | 790 | Qualifying FICO Tape data is 0. Audited value is 790.??Auditor used middle of three scores. Equifax score is 759 Experian score is 790. Transunion score is 798. |
| 1455215 | XXXX | XXXX | Doc Type |  | Alternative Doc | Verified doc type is Alternative Doc. Income docs include Bank Statements |
| 1455215 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1455215 | XXXX | XXXX | Mtg Pymt | 3004.21 | 3580.45 | Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1455215 | XXXX | XXXX | QM Status |  | Non-QM | dti, appendix q |
| 1455215 | XXXX | XXXX | Qualifying DTI |  | 0.44778 | \* DTI Tape data is 43.830%. Audited data of 45.12% DTI is verified per the UW income calculation. Total debt $3880.45 / Total qualifying Income $8666.00=44.778%. |
| 1452232 | XXXX | XXXX | Qualifying Credit Score | 0 | 790 | Verified with the credit report. |
| 1452232 | XXXX | XXXX | Doc Type |  | Alternative Doc | Verified with the loan approval. |
| 1452232 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary |  |
| 1452232 | XXXX | XXXX | Mtg Pymt | 2232.47 | 2619.92 | Original data is P&I only and audited data is P&I, taxes and insurance. |
| 1452232 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1452232 | XXXX | XXXX | Qualifying DTI |  | 0.18504 | No data to compare. |
| 1455188 | XXXX | XXXX | Qualifying Credit Score | 0 | 733 | using mid score from credit report |
| 1455188 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | using market rents for DSCR calculations |
| 1455188 | XXXX | XXXX | Mtg Pymt | 780.59 | 1887.50 | bid P&I, auditor PITI |
| 1455188 | XXXX | XXXX | Sales Price | XXXX |  | not purchase transaction |
| 1455188 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1452218 | XXXX | XXXX | Qualifying Credit Score | 0 | 715 | Credit Score verified with credit report. |
| 1452218 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with Loan Approval. |
| 1452218 | XXXX | XXXX | Interest Only | N | Y | Verified on note |
| 1452218 | XXXX | XXXX | Mtg Pymt | 1402.50 | 1695.92 | Mortgage payment verified with First payment letter. $1402.50 is P&I, $1695.92 is PITI. |
| 1452218 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452252 | XXXX | XXXX | Qualifying Credit Score | 0 | 792 | Bid Tape is 0, Audit score was verified with the credit report. |
| 1452252 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1452252 | XXXX | XXXX | Mtg Pymt | 738.16 | 901.87 | Bid Tape $738.16 is reflecting Principal and Interest. Audited Data $901.87 is reflecting Principal, Interest, Taxes and Insurance. |
| 1452252 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452257 | XXXX | XXXX | Qualifying Credit Score | 0 | 766 | Bid Tape is 0, verified qualifying score with credit report. |
| 1452257 | XXXX | XXXX | Doc Type |  | Alternative Doc | Bid Tape is Blank, verified doc type as Alt Doc with final approval. |
| 1452257 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1452257 | XXXX | XXXX | Mtg Pymt | 1285.75 | 1415.59 | Bid Tape $1,285.75 is reflecting Principal and Interest. Audited Data $1,415.59 is reflecting Principal, Interest, Taxes and Insurance. |
| 1452257 | XXXX | XXXX | Property Type | PUD | Single Family | Verified property type as single family with appraisal |
| 1452257 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1452257 | XXXX | XXXX | Qualifying DTI |  | 0.06163 |  |
| 1452217 | XXXX | XXXX | Qualifying Credit Score | 0 | 690 | Credit score verified with credit report. |
| 1452217 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type verified with Loan Approval. |
| 1452217 | XXXX | XXXX | Interest Only | N | Y | Verified on note |
| 1452217 | XXXX | XXXX | Mtg Pymt | 2165.63 | 2422.75 | Bid tape reflects P&I only. Mortgage payment verified with Closing Disclosure. |
| 1452217 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455218 | XXXX | XXXX | Qualifying Credit Score | 0 | 704 | Bid Tape is 0, verified qualifying score with the credit report. |
| 1455218 | XXXX | XXXX | DSCR | 1.010 |  | Not a DSCR loan verified with final approval. |
| 1455218 | XXXX | XXXX | Doc Type |  | Full | Bid Tape is blank, verified doc type as DSCR with final approval |
| 1455218 | XXXX | XXXX | Mtg Pymt | 1114.97 | 1293.02 | Bid Tape $1,114.97 is reflecting Principal and Interest. Audited Data $1,293.02 is reflecting Principal, Interest, Taxes and Insurance. |
| 1455218 | XXXX | XXXX | Sales Price | XXXX |  | Sales price is not required for a refinance. |
| 1455218 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1455218 | XXXX | XXXX | Qualifying DTI |  | 0.41450 |  |
| 1455213 | XXXX | XXXX | Qualifying Credit Score | 0 | 680 | Bid Tape is 0 verified qualifying score with the credit report. |
| 1455213 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as a DSCR with final approval. |
| 1455213 | XXXX | XXXX | Mtg Pymt | 923.63 | 1248.16 | Bid Tape $923.63 is reflecting Principal and Interest. Audited Data $1248.16 is reflecting Principal, Interest, Taxes and Insurance. |
| 1455213 | XXXX | XXXX | QM Status |  | Exempt | business purpose is exempt |
| 1455173 | XXXX | XXXX | Qualifying Credit Score | 0 | 791 | Credit report verified with credit report. |
| 1455173 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1455173 | XXXX | XXXX | Mtg Pymt | 1497.85 | 1615.89 | Mortgage payment verified with first payment letter. |
| 1455173 | XXXX | XXXX | Sales Price | XXXX |  | Verified as a refinance. |
| 1455173 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1455220 | XXXX | XXXX | Qualifying Credit Score | 0 | 808 | Borrower FICO or Qualifying FICO? Tape data is 0 Audited value is 808.??Auditor used middle of three scores. Equifax score is 806. Experian score is 815. Transunion score is 808. ? |
| 1455220 | XXXX | XXXX | Doc Type |  | Alternative Doc | - Verified doc type is an Alternate Document loan verified with the Loan Approval |
| 1455220 | XXXX | XXXX | Mtg Pymt | 1287.72 | 1957.16 | - Tape data includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1455220 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1455220 | XXXX | XXXX | Qualifying DTI |  | 0.19422 | \* DTI Bid tape is Blank. Audited data of 34.80% DTI is verified per the UW income calculation. Total debt $1943.48/ Total qualifying Income $10,005.93=19.42%. Unsure how income was derived. Current calculations 19.42% is correct and prior calculations are most conservative |
| 1453778 | XXXX | XXXX | Qualifying Credit Score | 0 | 801 | Credit score verified with credit report. |
| 1453778 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc Type verified with loan approval. |
| 1453778 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1453778 | XXXX | XXXX | Mtg Pymt | 1078.88 | 1200.53 | Mortgage payment verified with note and closing disclosure. $1078.88 is the Interest only payment. $1200.53 is the Interest only + taxes and insurance. |
| 1453778 | XXXX | XXXX | QM Status |  | Exempt | verified, bus purpose is exempt |
| 1452235 | XXXX | XXXX | Qualifying Credit Score | 0 | 714 | Bid Tape is 0 and audited score was verified with the credit report. |
| 1452235 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1452235 | XXXX | XXXX | Mtg Pymt | 1710.16 | 2666.57 | Bid Tape $1,710.16 is reflecting Principal and Interest. Audited Data $2,666.57 is reflecting Principal, Interest, Taxes and Insurance. |
| 1452235 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1453787 | XXXX | XXXX | Qualifying Credit Score | 0 | 769 | Verified with credit report |
| 1453787 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with approval |
| 1453787 | XXXX | XXXX | Mtg Pymt | 622.23 | 928.48 | Audited data includes taxes and insurance |
| 1453787 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455179 | XXXX | XXXX | Qualifying Credit Score | 0 | 726 | Bid Tape is 0, verified the qualifying score with the credit report. |
| 1455179 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified the doc type as DSCR with final approval. |
| 1455179 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455179 | XXXX | XXXX | Mtg Pymt | 1950.00 | 2475.05 | Bid Tape $1,950.00 is reflecting Principal and Interest. Audited Data $2,475.05 is reflecting Principal, Interest, Taxes and Insurance. |
| 1455179 | XXXX | XXXX | Sales Price | XXXX |  | Not applicable to refinance transactions. |
| 1455179 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455211 | XXXX | XXXX | Qualifying Credit Score | 0 | 781 | using mid score from credit report |
| 1455211 | XXXX | XXXX | DSCR | 0.969 | 0.920 | exception granted for DSCR below 1 |
| 1455211 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | exception granted for DSCR below 1 |
| 1455211 | XXXX | XXXX | Mtg Pymt | 1397.00 | 1861.12 | bid P&I, auditor PITI |
| 1455211 | XXXX | XXXX | Sales Price | XXXX |  | transaction not a purchase - but delayed financing |
| 1455211 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1453779 | XXXX | XXXX | Qualifying Credit Score | 0 | 723 | Credit score verified with credit report. |
| 1453779 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with Loan Approval. |
| 1453779 | XXXX | XXXX | Mtg Pymt | 1337.90 | 1522.08 | Mortgage payment verified with note and closing disclosure. |
| 1453779 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a refinance. |
| 1453779 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455195 | XXXX | XXXX | Qualifying Credit Score | 0 | 811 | Bid Tape is 0, verified qualifying score with credit report. |
| 1455195 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified doc type as DSCR with final approval. |
| 1455195 | XXXX | XXXX | Mtg Pymt | 722.63 | 914.11 | Bid Tape $722.63 is reflecting Principal and Interest. Audited Data $914.11 is reflecting Principal, Interest, Taxes and Insurance. |
| 1455195 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1447750 | XXXX | XXXX | Qualifying Credit Score | 0 | 759 | Qualifying FICO Tape data is 0. Audited value is 759.??Auditor used middle of three scores. Equifax score is 759. Experian score is 741. Transunion score is 772. |
| 1447750 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1447750 | XXXX | XXXX | Interest Only | N | Y |  |
| 1447750 | XXXX | XXXX | Mtg Pymt | 2684.77 | 3377.08 | -Tape Data: includes principle and interest & Audited value is principle and interest, taxes and insurance |
| 1447750 | XXXX | XXXX | Prepayment Term |  | 480 |  |
| 1447750 | XXXX | XXXX | Sales Price | XXXX |  | - Loan program is a Cash Out Refi not a Purchase transaction |
| 1447750 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1452216 | XXXX | XXXX | Qualifying Credit Score | 0 | 650 | verified with credit report |
| 1452216 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1452216 | XXXX | XXXX | Mtg Pymt | 911.77 | 1080.51 | Audited data includes taxes and insurance |
| 1452216 | XXXX | XXXX | Sales Price | XXXX |  | Transaction is a refinance. |
| 1452216 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455186 | XXXX | XXXX | Qualifying Credit Score | 0 | 741 | Bid Tape is 0 verified the qualifying score with the credit report. |
| 1455186 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified the doc type with the final approval. |
| 1455186 | XXXX | XXXX | Mtg Pymt | 912.79 | 1157.75 | Bid Tape $912.79 is reflecting Principal and Interest. Audited Data $1,157.75 is reflecting Principal, Interest, Taxes and Insurance. |
| 1455186 | XXXX | XXXX | Sales Price | XXXX |  | This is not applicable for this loan type. |
| 1455186 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455189 | XXXX | XXXX | Qualifying Credit Score | 0 | 778 | verified with credit report |
| 1455189 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | verified with approval |
| 1455189 | XXXX | XXXX | Mtg Pymt | 1407.01 | 1885.44 | Audited data includes taxes and insurance |
| 1455189 | XXXX | XXXX | Sales Price | XXXX |  | n/a loan is refi cash out |
| 1455189 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1456914 | XXXX | XXXX | Qualifying Credit Score | 0 | 713 | Bid Tape is 0, verified score with the credit report |
| 1456914 | XXXX | XXXX | DSCR | 1.315 | 1.340 | Bid Tape is 1.315, Audited Data is 1.340 Gross Scheduled Income is $2,300(Market Rent)/ divided by monthly mortgage payment $1,711.07 is equal to a 1.340 DSCR |
| 1456914 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verified loan as a DSCR with final approval. |
| 1456914 | XXXX | XXXX | Mtg Pymt | 1487.70 | 1711.07 | Bid Tape $1,487.70 is reflecting Principal and Interest. Audited Data $1,711.07 is reflecting Principal, Interest, Taxes and Insurance. |
| 1456914 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1452226 | XXXX | XXXX | Qualifying Credit Score | 0 | 682 | using mid score from credit report |
| 1452226 | XXXX | XXXX | DSCR | 1.645 | 1.350 | using leases for DSCR calculations |
| 1452226 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | confirmed with loan approval |
| 1452226 | XXXX | XXXX | Mtg Pymt | 1602.12 | 2321.30 | bid P&I, auditor PITI |
| 1452226 | XXXX | XXXX | Sales Price | XXXX |  | transaction not a purchase |
| 1452226 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455224 | XXXX | XXXX | Qualifying Credit Score | 0 | 810 | Verified to the credit report in file |
| 1455224 | XXXX | XXXX | Doc Type |  | Alternative Doc | Alt doc per loan approval |
| 1455224 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | Verified. |
| 1455224 | XXXX | XXXX | Mtg Pymt | 1296.13 | 1562.46 | $1296.13 represents the P&I payment and $1562.46 represents the PITI payment |
| 1455224 | XXXX | XXXX | QM Status |  | Non-QM | qm pts and fees fail |
| 1455224 | XXXX | XXXX | Qualifying DTI |  | 0.32649 |  |
| 1453785 | XXXX | XXXX | Qualifying Credit Score | 0 | 746 | Credit score verified with credit report. |
| 1453785 | XXXX | XXXX | Doc Type |  | Alternative Doc | Doc type verified with loan approval. |
| 1453785 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1453785 | XXXX | XXXX | Mtg Pymt | 2429.77 | 2757.28 | Mortgage payment verified with note and closing disclosure. |
| 1453785 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1453785 | XXXX | XXXX | Qualifying DTI |  | 0.37618 |  |
| 1455202 | XXXX | XXXX | Qualifying Credit Score | 0 | 770 | verified |
| 1455202 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | dscr loan |
| 1455202 | XXXX | XXXX | Mtg Pymt | 1759.72 | 1974.07 | audit payment includes taxes and insurance |
| 1455202 | XXXX | XXXX | Sales Price | XXXX |  | loan is a cash-out refinance |
| 1455202 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1452221 | XXXX | XXXX | Qualifying Credit Score | 0 | 674 | Verified with credit report |
| 1452221 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with approval |
| 1452221 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1452221 | XXXX | XXXX | Mtg Pymt | 3375.00 | 3948.77 | Audited data includes taxes and insurance |
| 1452221 | XXXX | XXXX | Sales Price | XXXX |  |  |
| 1452221 | XXXX | XXXX | QM Status |  | Exempt |  |
| 1455205 | XXXX | XXXX | Qualifying Credit Score | 0 | 745 | Verified with credit report |
| 1455205 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with approval |
| 1455205 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1455205 | XXXX | XXXX | Mtg Pymt | 1679.69 | 1743.63 | Audited data includes taxes and insurance |
| 1455205 | XXXX | XXXX | Sales Price | XXXX |  | loan is not a purchase |
| 1455205 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1456898 | XXXX | XXXX | Qualifying Credit Score | 0 | 722 | Bid Tape is 0, verified credit score with credit report. |
| 1456898 | XXXX | XXXX | DSCR | 0.951 | 1.150 | Bid Tape is .951, Audited Data is 1.15 Gross Scheduled Income is $2,300(Market Rent)/ divided by monthly mortgage payment $1,997.69 is equal to a 1.15 DSCR |
| 1456898 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Bid Tape is blank, verifed the doc type as DSCR with final approval. |
| 1456898 | XXXX | XXXX | Mtg Pymt | 1397.00 | 1657.69 | Bid Tape $1,397.00 is reflecting Principal and Interest. Audited Data $1,657.69 is reflecting Principal, Interest, Taxes and Insurance. |
| 1456898 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1456898 | XXXX | XXXX | Qualifying DTI | 0.30830 |  | DTI is not applicable to DSCR loans |
| 1456886 | XXXX | XXXX | Qualifying Credit Score | 0 | 722 | Credit report verified with credit report. |
| 1456886 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1456886 | XXXX | XXXX | Mtg Pymt | 1397.00 | 1663.63 | Mortgage payment m=verified with note and first payment letter. |
| 1456886 | XXXX | XXXX | QM Status |  | Exempt | business purpose exempt |
| 1455180 | XXXX | XXXX | Qualifying Credit Score | 0 | 787 | Verified to credit report in file |
| 1455180 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | DSCR loan type per approval |
| 1455180 | XXXX | XXXX | Mtg Pymt | 890.98 | 1084.89 | $890.98 represents the P&I payment and $1084.89 represents the PITI payment |
| 1455180 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455200 | XXXX | XXXX | Qualifying Credit Score | 0 | 682 | Verified with credit report |
| 1455200 | XXXX | XXXX | Doc Type |  | Alternative Doc |  |
| 1455200 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified via application |
| 1455200 | XXXX | XXXX | Mtg Pymt | 1903.07 | 2713.41 | audited data includes Taxes and insurance |
| 1455200 | XXXX | XXXX | QM Status |  | Non-QM |  |
| 1455200 | XXXX | XXXX | Qualifying DTI |  | 0.39418 | Verified |
| 1455175 | XXXX | XXXX | Qualifying Credit Score | 0 | 810 | Credit score verified with credit report. |
| 1455175 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified as DSCR. |
| 1455175 | XXXX | XXXX | Mtg Pymt | 956.36 | 1105.32 | audited payment includes taxes and insurance |
| 1455175 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455217 | XXXX | XXXX | Qualifying Credit Score | 0 | 749 | Credit score verified with credit report. |
| 1455217 | XXXX | XXXX | DSCR | 1.416 | 1.390 | Verified with appraisal/lease agreement and closing disclosure |
| 1455217 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Verified with loan approval. |
| 1455217 | XXXX | XXXX | Mtg Pymt | 774.80 | 936.12 | Verified with closing disclosure. |
| 1455217 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a cash out refinance. |
| 1455217 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455203 | XXXX | XXXX | Qualifying Credit Score | 0 | 725 | credit score verified with credit report. |
| 1455203 | XXXX | XXXX | DSCR | 2.286 | 1.870 | DSCR verified with lease agreement and first payment letter. |
| 1455203 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type verified with loan approval. |
| 1455203 | XXXX | XXXX | Mtg Pymt | 873.34 | 962.15 | Mortgage payment verified with first payment letter. |
| 1455203 | XXXX | XXXX | Sales Price | XXXX |  | Transaction verified as a cash our refinance. |
| 1455203 | XXXX | XXXX | QM Status |  | Exempt | bus purpose exempt |
| 1455204 | XXXX | XXXX | Qualifying Credit Score | 0 | 713 | Verified with credit report |
| 1455204 | XXXX | XXXX | Doc Type |  | Alternative Doc | Verified with approval |
| 1455204 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455204 | XXXX | XXXX | Occupancy | PrimaryResidence | Primary | verified |
| 1455204 | XXXX | XXXX | Mtg Pymt | 3381.58 | 3667.18 | audited payment includes taxes and insurance |
| 1455204 | XXXX | XXXX | QM Status |  | Non-QM | apr, dti, term, appendix q, i/o |
| 1455204 | XXXX | XXXX | Qualifying DTI |  | 0.47900 | Bid tape is blank. DTI verified with total debt/total income. |
| 1377134 | XXXX | XXXX | Qualifying DTI |  | 0.46251 | Audited Data verified as stated on the Lock Response Loan Details Information. |
| 1377134 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Loan Type of Non-Agency is verified per lock confirmation. |
| 1377134 | XXXX | XXXX | Doc Type |  | Alternative Doc |  |
| 1377134 | XXXX | XXXX | Original P&I |  | 14107.11 | verified via Note |
| 1377134 | XXXX | XXXX | QM Status |  | Non-QM | verified in CE |
| 1377134 | XXXX | XXXX | Self-Employment Flag | N | Y |  |
| 1384593 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Loan Type of Non-Agency is verified with loan approval. |
| 1384593 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1384593 | XXXX | XXXX | DSCR |  | 1.360 |  |
| 1384593 | XXXX | XXXX | Lock Response Prepay Type |  | Hard | Verified |
| 1384593 | XXXX | XXXX | Original P&I |  | 687.14 | Verified |
| 1384593 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1384785 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Loan Type of Non-Agency is verified with loan approval. |
| 1384785 | XXXX | XXXX | Property Street Address | XXXX | XXXX | verified via Note |
| 1384785 | XXXX | XXXX | First Payment Date |  | 20220501 | Verified |
| 1384785 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1384785 | XXXX | XXXX | Doc Type |  | Debt Service Coverage |  |
| 1384785 | XXXX | XXXX | DSCR |  | 1.160 |  |
| 1384785 | XXXX | XXXX | Lock Response Prepay Type |  | Hard | Verified |
| 1384785 | XXXX | XXXX | Original P&I |  | 2961.58 | Verified |
| 1384785 | XXXX | XXXX | QM Status |  | Exempt | verified investment |
| 1384785 | XXXX | XXXX | Sales Price |  | XXXX |  |
| 1384790 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Verified as a XXXX Non-QM loan approval. |
| 1384790 | XXXX | XXXX | Doc Type |  | Full | Verified as a XXXX Non-QM loan approval with full docs. |
| 1384790 | XXXX | XXXX | Qualifying DTI |  | 0.43871 |  |
| 1384790 | XXXX | XXXX | First Payment Date |  | XXXX | Verified |
| 1384790 | XXXX | XXXX | Note Date |  | XXXX | Verified |
| 1384790 | XXXX | XXXX | Original P&I |  | 1289.02 | Verified |
| 1384790 | XXXX | XXXX | QM Status |  | Non-QM | Verified no compliance related fails, GSE set to no and DTI fail |
| 1384791 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Doc type is Debt Service Coverage per loan lock document |
| 1384791 | XXXX | XXXX | DSCR |  | 1.200 | Bid tape is blank. DSCR calculated using $3,800income/$3,171.19 PITI. |
| 1384791 | XXXX | XXXX | Original P&I |  | 2339.29 | Verified |
| 1384791 | XXXX | XXXX | QM Status |  | Exempt | Verified Business Purpose |
| 1384791 | XXXX | XXXX | Qualifying Credit Score | 767 | 701 | Audited value used the Co-borrower middle of the three scores for the borrower with the lower scores. FICO scores are 701, 700, 758 |
| 1384791 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Loan program is DSCR which is a non-agency loan program |
| 1384791 | XXXX | XXXX | Property Type | Attached | Two Family | Appraisal shows property as a two unit |
| 1460606 | XXXX | XXXX | 1003 Loan Type | Conventional | Non-Agency | Audited loan type verified via 1008 |
| 1460606 | XXXX | XXXX | First Payment Date |  | XXXX | verified via note |
| 1460606 | XXXX | XXXX | Note Date |  | XXXX | verified via note |
| 1460606 | XXXX | XXXX | Doc Type |  | Debt Service Coverage | Audited doc type Verified with loan approval |
| 1460606 | XXXX | XXXX | DSCR |  | 1.000 | DSCR calculated via PITIA of $7993.38 and 1007 market rent of $8000 |
| 1460606 | XXXX | XXXX | Lock Response Prepay Type |  | Hard | verified via note |
| 1460606 | XXXX | XXXX | Original P&I |  | 4758.75 | verified via note |
| 1460606 | XXXX | XXXX | QM Status |  | Exempt | Verified business purpose |
| 1460606 | XXXX | XXXX | Sales Price |  | XXXX | Audited sales price verified via sales contract and final cd |
| 1432645 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432645 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432645 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432645 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432645 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR No Income required |
| 1451957 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape is $XXXX and is 2nd appraisal. Audited data is $XXXX and is 1st appraisal. Using lower value. Verified per appraisals. |
| 1451957 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1432646 | XXXX | XXXX | DSCR | 0.830 |  | Loan transaction is the purchase of an investment property full doc not a DSCR loan transaction |
| 1432646 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1357548 | XXXX | XXXX | QM Status | QM | Non-QM | VERIFIED |
| 1347089 | XXXX | XXXX | Qualifying DTI | 0.45878 | 0.45877 | Bid tape data is 45.878%. Audited data of 45.877% DTI is verified per the UW income calculation. Total debt $8,442.54 / Total qualifying Income $18,402.47. Difference is due to rounding. |
| 1369290 | XXXX | XXXX | Qualifying DTI | 0.37366 | 0.41085 | Bid tape is 37.366%. Audited data of 41.086%. Total debt $22,219.08/ $53,548.39 Total Qualifying Income |
| 1369290 | XXXX | XXXX | QM Status | QM | QM Safe Harbor | Verified no compliance related fails |
| 1357552 | XXXX | XXXX | Qualifying DTI | 0.23909 | 0.19299 | Tape data is 23.909%. Audited data of 19.299 DTI is verified per the UW income calculation. Total debt $19,484.24 / Total qualifying Income $100,958.29. |
| 1357552 | XXXX | XXXX | QM Status | QM | QM Safe Harbor | verified in CE |
| 1347136 | XXXX | XXXX | QM Status | QM | Non-QM | verified in CE |
| 1347173 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1347173 | XXXX | XXXX | Qualifying DTI | 0.34098 | 0.27831 | Bid tape data is 34.098%. Audited data of 27.831% DTI is verified per the UW income calculation. Total debt $6,728.83 / Total qualifying Income $24,177.82. |
| 1347173 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1369297 | XXXX | XXXX | Interest Only | N | Y | Verified w/ note |
| 1369297 | XXXX | XXXX | Qualifying DTI | 0.43689 | 0.47688 |  |
| 1369297 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified w/ note |
| 1369297 | XXXX | XXXX | PITI | 2518.78 | 3652.20 | Audited PITI data verified via first payment letter, tax certificate, HOI and HOA |
| 1369297 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Audited property type verified with appraisal |
| 1447282 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Bid tape is Blank. Audited data is 0. Borrowers are Foreign Nationals. Not required for loan program/product. |
| 1447282 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape is Full Documentation. Audited data is Alternative. Borrowers are Foreign Nationals. |
| 1447282 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | NA Verified Fixed Rate |
| 1385021 | XXXX | XXXX | DSCR | 0.790 |  | Loan program is a 12mo BK Statement Program not DSCR per Loan Approval and Loan Program ID |
| 1385021 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1384758 | XXXX | XXXX | QM Status | QM | QM Safe Harbor | verified |
| 1384759 | XXXX | XXXX | QM Status | QM | Non-QM | verified via note |
| 1438049 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1438049 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432321 | XXXX | XXXX | Self-Employment Flag |  | N | Verified per the 1003 application and the Employer Letter. |
| 1455275 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | verified borrower is FN |
| 1455275 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | auditor confirmed with loan approval |
| 1455275 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1420133 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape is N. Audited data is Y. Verified Borrower Self-employed per business bank statements and CPA letter. |
| 1411818 | XXXX | XXXX | DSCR | 0.490 |  | Loan is a Full Doc loan not a DSCR |
| 1411818 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1411833 | XXXX | XXXX | DSCR | 0.780 |  | Full doc loan, not a DSCR loan |
| 1411833 | XXXX | XXXX | Qualifying DTI | 0.40883 | 0.33443 | Audited DTI of 33% calculated via total income and total monthly debt |
| 1411833 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1411833 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified with loan application |
| 1420146 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited DSCR verified with loan approval |
| 1420146 | XXXX | XXXX | DSCR | 1.170 | 1.010 | Audited DSCR of 1.06 calculated via market rent of $2900 and fully indexed PITI of $2726.28 |
| 1420146 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1420146 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1420146 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1417021 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | verified DSCR woth fonal approval. |
| 1417021 | XXXX | XXXX | DSCR | 0.950 | 0.920 | Verified hazard insurance and added to PITI changed DSCR |
| 1417021 | XXXX | XXXX | PITI | 2226.64 | 2383.17 | figures for PITI are both incorrect. |
| 1417021 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1417021 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required on DSCR loans. |
| 1432655 | XXXX | XXXX | DSCR | 0.820 |  | Full doc loan not a DSCR |
| 1432655 | XXXX | XXXX | Qualifying DTI | 0.43960 | 0.43402 | Audited DTI of 43.40 calculated via total monthly income of $8116.42 and debt obligation of $3522.68 |
| 1432655 | XXXX | XXXX | PITI | 4477.22 | 5747.75 | Audited PITI of $5747.75 verified with first pymt letter, title and HOI |
| 1432655 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432656 | XXXX | XXXX | Qualifying Credit Score | 738 | 761 | Tape data is 738 is from 6/9/2022 CB, Audited value is 761 from CB data 8/4/2022 |
| 1432656 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432656 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432659 | XXXX | XXXX | Qualifying Credit Score | 718 | 668 | Verified with credit report |
| 1417059 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with final approval |
| 1417059 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1417059 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1417059 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1417059 | XXXX | XXXX | Sales Price | XXXX |  | Loan is a cash out refinance Sales price is not considered. |
| 1432660 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432660 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1417063 | XXXX | XXXX | DSCR | 1.050 |  | Full doc loan not a DSCR |
| 1417063 | XXXX | XXXX | Property Type | PUD | Single Family | Audited property type data verified with appraisal. |
| 1417063 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1420007 | XXXX | XXXX | DSCR | 1.150 |  | Bid tape is 1.150. Audited data is Blank. Verified with loan approval loan is Full doc loan. |
| 1420007 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1420007 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1420007 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1417067 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc |  |
| 1417067 | XXXX | XXXX | DSCR | 1.100 |  | No data to compare. |
| 1417067 | XXXX | XXXX | Property Zip | XXXX | XXXX | MATCHES NOTE |
| 1417067 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1420181 | XXXX | XXXX | Loan Purpose | NoCash-Out Refinance | Refinance - Cash Out | Borrower received $5338.00 cash in hand and paid off a 6 month old 2nd mtg |
| 1420181 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1424318 | XXXX | XXXX | Qualifying DTI | 0.45787 | 0.43527 | Audited DTI of 43.53 calculated via total obligations of $2808.22 and total income of $6451.67 |
| 1424319 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified per the 1004 Appraisal as a Detached PUD. |
| 1417070 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with final approval. |
| 1417070 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1417070 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified. |
| 1417070 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1417070 | XXXX | XXXX | Self-Employment Flag | Y | N | This is not required for the DSCR program. |
| 1424321 | XXXX | XXXX | First Payment Date | 20220801 | XXXX | Verified |
| 1424321 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1424321 | XXXX | XXXX | Qualifying DTI | 0.44372 | 0.40962 | UTD lenders ratios-reviewer calcs match the loan approval |
| 1424321 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified |
| 1424321 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432662 | XXXX | XXXX | DSCR | 0.790 |  | Verified doc type is Full Doc per Approval. |
| 1432662 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424322 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | DSCR doc type per the loan approval in file |
| 1424322 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1424322 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424322 | XXXX | XXXX | Self-Employment Flag |  | N | not required for DSCR |
| 1424323 | XXXX | XXXX | Sales Price | XXXX |  | This is not a purchase transaction but a Limited Cash Out Refi |
| 1424324 | XXXX | XXXX | DSCR | 1.020 |  | Not a DSCR loan |
| 1424324 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1424324 | XXXX | XXXX | Qualifying DTI | 0.42759 | 0.39401 | Audited DTI calculated via total income of $1643.26 and T&I of primary residence and revolving debt of $29 |
| 1424324 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1424324 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1417071 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1417072 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1420034 | XXXX | XXXX | DSCR | 0.760 |  | Not required for the loan program. |
| 1420034 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1420035 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1420050 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Verified with Appraisal Detached PUD |
| 1420050 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, Not failing in CE. GSE/BKST Fail |
| 1432668 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1432668 | XXXX | XXXX | Property Type | Detached | 5-10 Family | Verified as a 6-unit commercial property. |
| 1432668 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432668 | XXXX | XXXX | Self-Employment Flag |  | N | Not Required for DSCR Business Purpose loans. |
| 1432669 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified Appraised value with Appraisal |
| 1424331 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified loan is DSCR with final approval. |
| 1424331 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1424331 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1424331 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424333 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid Tape ALT Doc, Auditor verified DSCR doc on approval |
| 1424333 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432674 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified XXXX is entered |
| 1424336 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with the loan approval. |
| 1424336 | XXXX | XXXX | DSCR | 1.320 | 1.030 | Original data shows 1.32 and audited data shows 1.03. The audited data used $1550 from the 1007 and PITI from the first payment letter of $1506.04. |
| 1424336 | XXXX | XXXX | PITI | 1507.50 | 1506.04 | Original data shows $1507.50 and audited data shows $1506.04, difference of $1.46. Audited data shows P&I $1035.16, taxes $372.67 and hoi $98.21. |
| 1424336 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424338 | XXXX | XXXX | DSCR | 0.620 |  | Verified loan is 24-mo bank statement not DSCR. |
| 1424338 | XXXX | XXXX | Property Zip | XXXX | XXXX | fixed verified via note |
| 1424338 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1420067 | XXXX | XXXX | DSCR | 1.300 |  | Not required for the loan program. |
| 1420067 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424340 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Subject is a Alt Doc |
| 1424340 | XXXX | XXXX | DSCR | 1.000 |  | Verified not a DSCR |
| 1424340 | XXXX | XXXX | Property Type | Detached | Condo-Hi >8 Stories | Bid tape Detached, Auditor verified Condo Hi rise per appraisal |
| 1424340 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432675 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432675 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424346 | XXXX | XXXX | Self-Employment Flag |  | N | Bid tape is Blank. Audited data is N. Verified borrowers receive pension income per 1003 and award letters. |
| 1432676 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1432676 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424350 | XXXX | XXXX | Qualifying Credit Score | 799 | 809 |  |
| 1424350 | XXXX | XXXX | DSCR | 1.330 |  |  |
| 1424350 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424350 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape S/E N, Auditor verified S/E Yes with cpa letter |
| 1455277 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1455277 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1455277 | XXXX | XXXX | Original CLTV | 0.950760 | 0.487269 | Original data is the fully amortized payment and audited data is interest only. |
| 1429027 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified with the appraisal, Desk Review value is $XXXX |
| 1429027 | XXXX | XXXX | Original CLTV | 0.391470 | 0.366351 | Verified sales price is $XXXX with contract and loan amount is $XXXX which is 36.6%LTV, value is $XXXX verified with appraisal desk review is $XXXX less than 10% variance. |
| 1429027 | XXXX | XXXX | Original LTV | 0.391470 | 0.366351 | Verified sales price is $XXXX with contract and loan amount is $XXXX which is 36.6%LTV, value is $XXXX verified with appraisal desk review is $XXXX less than 10% variance. |
| 1432681 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | no USA score |
| 1432681 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Foreign National Alternative doc type |
| 1432683 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432683 | XXXX | XXXX | QM Status | QM | Exempt | Verified Business Purpose |
| 1424369 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1424369 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1424369 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1424369 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | verified |
| 1424369 | XXXX | XXXX | QM Status | Non-QM | Exempt | verified |
| 1432684 | XXXX | XXXX | DSCR | 0.690 |  | Verified that this was not a DSCR loan approval. |
| 1432684 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified |
| 1432685 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Foreign Nation Income CPA Letter used to calculate income |
| 1432685 | XXXX | XXXX | Qualifying DTI | 0.12320 | 0.20014 | \* Qualifying Total Debt Ratio? Bid tape has 12.320%. Audited data is 20.014?%. Total debt is $4478.96 / $22,378.72 Total Qualifying Income. ?Previous Calculations Total debt is $2757.11/ $22,378.72 Total Qualifying Income. ?Total debt: DTI: 12.32 only included Subject Housing Expense: 2519.11 & Liability Debt of 238.00=2757.11 |
| 1432685 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE Fail |
| 1432685 | XXXX | XXXX | Self-Employment Flag |  | Y | Borrower is self employed per CPA Letter |
| 1432686 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Borrower is a foreign national with no FICO scores. |
| 1432686 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified borrower is on DSCR program/foreign national with final approval. |
| 1432686 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432686 | XXXX | XXXX | Self-Employment Flag | Y | N | This is not required for the DSCR program. |
| 1424376 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1424376 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424378 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1424378 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424378 | XXXX | XXXX | Self-Employment Flag | Y | N | Verified DSCR transaction does not require employment to be documented. |
| 1432687 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape is Full Documentation. Audited data is Alternative. Verified Doc Type per loan approval. |
| 1432687 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML Fail |
| 1429031 | XXXX | XXXX | QM Status | QM | Non-QM | GSE set to no, no compliance related fails |
| 1429031 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape is N. Audited data is Y. Verified borrowers are self-employed per CPA Letter. |
| 1424379 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1424379 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424379 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR and not required. |
| 1424381 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage and verified with loan approval. |
| 1424381 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1425666 | XXXX | XXXX | QM Status | QM | Non-QM | No compliance related fails, gse set to no |
| 1429034 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1429034 | XXXX | XXXX | DSCR | 1.030 | 1.110 | Bid tape is 1.030. Audited value is 1.110. Gross Schedule Income is $1,600.00 divided by Monthly mortgage payment $1,438.69. |
| 1429034 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape is $XXXX. Audited data is $XXXX. Verified Appraised Value per appraisal. |
| 1429034 | XXXX | XXXX | Original CLTV | 0.669500 | 0.562892 | Bid tape value is 66.9500%. Audited data of 56.892% CLTV is verified per the Note amount of $XXXX. and 2nd Mortgage of $00.00/Appraised Value of $XXXX. |
| 1429034 | XXXX | XXXX | Original LTV | 0.669500 | 0.562892 | Bid tape value is 66.9500%. Audited data of 56.892% LTV is verified per the Note amount of $XXXX. /Appraised Value of $XXXX. |
| 1429034 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432691 | XXXX | XXXX | DSCR | 0.970 |  | Verified this was not a DSCR loan approval. |
| 1432691 | XXXX | XXXX | Qualifying DTI | 0.25287 | 0.33918 | Total DTI is 33.918% based on the verified Income of $9,363.34 and the Total Expenses of $3,175.82. |
| 1432691 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432693 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Bid tape is 111. Audited data is 0. Verified Qualifying Credit Score per approval. Borrowers are Foreign Nationals. Not required for loan program/product. |
| 1432693 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape is Full Documentation. Audited data is Alternative Doc. Verified Doc Type is Alternative per loan approval. Borrowers are Foreign Nationals. |
| 1432693 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | no prepayment penalty addendum to note |
| 1432693 | XXXX | XXXX | Property Type | Detached | PUD-Detached | Bid tape is Detached. Audited data is PUD- |
| 1432695 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage and verified with loan approval. |
| 1432695 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1432695 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1432695 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432696 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Verified that there is no U.S. Credit Score for this foreign national borrower. |
| 1432696 | XXXX | XXXX | Doc Type | FullDocumentation | Reduced Doc | Verified as a Reduced Document loan approval for a foreign national borrower. |
| 1432696 | XXXX | XXXX | DSCR | 0.750 |  | Verified that this was not a DSCR loan approval. |
| 1432696 | XXXX | XXXX | Qualifying DTI | 0.42427 | 0.31580 | Total DTI is 31.580% based on the verified Income of $5,897.09 and the Total Expenses of $1,862.28. |
| 1432696 | XXXX | XXXX | Property Type | PUD | Townhouse | Verified per the 1004 Appraisal as an Attached-PUD Townhouse. |
| 1432696 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424389 | XXXX | XXXX | Qualifying Credit Score | 753 | 685 | Tape data is 753. Audited data is 685. Audited data used middle of three scores. Equifax score is 740, Experian score is 659 and TransUnion is 685. |
| 1424389 | XXXX | XXXX | Qualifying DTI | 0.49722 | 0.44465 | Bid tape has 49.722%. Audited data is 44.465%. Total debt is $3,374.81 / $7,589.77. |
| 1424391 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | DSCR doc type per the loan approval in file |
| 1424391 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1424391 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1424391 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424394 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | DSCR doc type per the loan approval in file |
| 1424394 | XXXX | XXXX | DSCR | 1.630 | 1.910 | Bid tape is 1.63x. Audited DSCR value is 1.91x. Gross Schedule Income is $6210 (leases) -- divided by Monthly mortgage payment ITI of $3253.27. ($2833.33 I/O payment plus $162.02 tax, plus $257.92 haz) |
| 1424394 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1424394 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1424394 | XXXX | XXXX | PITI | 3187.15 | 3253.27 | ITI of $3253.27. ($2833.33 I/O payment plus $162.02 tax, plus $257.92 haz) |
| 1424394 | XXXX | XXXX | Property Type | Detached | Mixed Use | Mixed use property per commercial appraisal |
| 1424394 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432701 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1432701 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432702 | XXXX | XXXX | Original CLTV | 1.038390 | 0.602506 |  |
| 1432702 | XXXX | XXXX | Original LTV | 1.038390 | 0.602506 |  |
| 1432704 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | equifax score in file |
| 1432704 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Loan is FN DSCR |
| 1432704 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432704 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR |
| 1424396 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1424396 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1424396 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1424396 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424398 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1424398 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432712 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432712 | XXXX | XXXX | DSCR | 2.130 | 1.980 | Bid tape is 2.130. Audited value is 1.980. Gross Schedule Income is $4,600.00 divided by Monthly mortgage payment $2,318.50. |
| 1432712 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432712 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432712 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424399 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited DSCR verified with loan approval |
| 1424399 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1424399 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1424399 | XXXX | XXXX | PITI | 2328.31 | 2791.42 | Audited PITI of $2791.42 verified via first payment letter, HOI and tax cert |
| 1424399 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432713 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1424401 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified loan as a DSCR with final approval. |
| 1424401 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1424401 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required for a DSCR loan |
| 1432714 | XXXX | XXXX | QM Status | QM | QM Safe Harbor | Verified no compliance related fails, gse set to no |
| 1424403 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with the loan approval. |
| 1424403 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1424403 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required DSCR |
| 1429044 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage and verified with loan approval. |
| 1429044 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1429044 | XXXX | XXXX | Self-Employment Flag |  | N | Bid tape is Blank. Audited data is N. Loan is DSCR and not required. |
| 1432720 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Verified that this is no FICO score for this foreign national borrower. |
| 1432720 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1432720 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432720 | XXXX | XXXX | Self-Employment Flag | Y | N | Not Required for DSCR Business Purpose loans. |
| 1432721 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Confirmed with approval using DSCR qualifications |
| 1432721 | XXXX | XXXX | DSCR | 1.320 | 1.160 | based off of Rents and First Pmt |
| 1432721 | XXXX | XXXX | PITI | 2152.91 | 2152.90 | rounding |
| 1432721 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432721 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required on DSCR |
| 1432724 | XXXX | XXXX | DSCR | 0.830 |  | Verified that this was not a DSCR loan approval |
| 1432724 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432725 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape doc type FULL DOC, Auditor verified FULL ALT doc per approval |
| 1432730 | XXXX | XXXX | DSCR | 1.040 |  | Not required for the loan program. |
| 1432730 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432733 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1432733 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432733 | XXXX | XXXX | Self-Employment Flag |  | N | Not Required for DSCR Business Purpose loans. |
| 1432734 | XXXX | XXXX | DSCR | 1.270 |  | Bid tape is 1.270. Audited data is Blank. Verified per loan approval loan is Full Doc. |
| 1432734 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432735 | XXXX | XXXX | DSCR | 1.100 |  | Not a DSCR loan. |
| 1432735 | XXXX | XXXX | PITI | 1277.06 | 1599.75 | Bid tape=P&I total and audited is PITI w/o HOA |
| 1432735 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Verified with final approval and appraisal. |
| 1432735 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432737 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Bid tape is 111. Audited data is 0. Borrower is Foreign National. Not required. |
| 1432737 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape Full documentation. Audited data is Alternative Doc. Verified Doc Type per loan approval. |
| 1432737 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432739 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432739 | XXXX | XXXX | DSCR | 1.260 | 1.030 | DSCR Calculation: Lease Agreement: 2350.00/PITI: 2286.39=1.03 |
| 1432739 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432739 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| 1432740 | XXXX | XXXX | DSCR | 0.770 |  | The loan is not a DSCR verified with final approval |
| 1432740 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1451959 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1451959 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432743 | XXXX | XXXX | DSCR | 1.270 |  | Not required for the loan program. |
| 1432743 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432744 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Loan is DSCR |
| 1432744 | XXXX | XXXX | Appraised Value | XXXX | XXXX | original data is prior purchase price, audited data is current appraised value |
| 1432744 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432744 | XXXX | XXXX | Self-Employment Flag |  | N | not required |
| 1432745 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432745 | XXXX | XXXX | Appraised Value | XXXX | XXXX |  |
| 1432745 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432745 | XXXX | XXXX | Self-Employment Flag |  | N | Bid tape is Blank. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| 1432747 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape Alt doc, Auditor verified DSCR per approval in file |
| 1432747 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432750 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432750 | XXXX | XXXX | DSCR | 1.140 | 1.240 | Bid tape is 1.140. Audited value is 1.240. Gross Schedule Income is $5,500.00 divided by Monthly mortgage payment $4,422.99. |
| 1432750 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432750 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432750 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432750 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified transaction is DSCR per loan approval. Not required for program/product. |
| 1432752 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1432756 | XXXX | XXXX | DSCR | 1.440 |  | This is not a DSCR loan verified with final approval. |
| 1432756 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432757 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432757 | XXXX | XXXX | DSCR | 1.430 | 1.320 | Bid tape is 1.430. Audited value is 1.320. Gross Schedule Income is $5,100.00 divided by Monthly mortgage payment $3,862.96. |
| 1432757 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432757 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified 480 term, 360 amort, 120 interest only. |
| 1432757 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432757 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified loan is DSCR and not Required. |
| 1432761 | XXXX | XXXX | QM Status | QM | Non-QM | Verified no compliance related fails, gse set to no |
| 1432761 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape is N. Audited data is Y. Verified Self-Employment per CPA letter and business bank statements. |
| 1432764 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432764 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432764 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432764 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432768 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Foreign National DSCR loan |
| 1432768 | XXXX | XXXX | Interest Only | N | Y | Verified with Note |
| 1432768 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified with Note |
| 1432768 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432771 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432771 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432771 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| 1455280 | XXXX | XXXX | Doc Type | Alternative | Full | Verified to the approval in file |
| 1455280 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455280 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455280 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432772 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432772 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432772 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432772 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1432772 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432773 | XXXX | XXXX | DSCR | 0.860 |  | This transaction is for a Full Doc Purchase |
| 1432773 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1432774 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432774 | XXXX | XXXX | DSCR | 1.010 | 1.210 | Bid tape is 1.010. Audited value is 1.210. Gross Schedule Income is $4,200.00 divided by Monthly mortgage payment $3,457.66. |
| 1432774 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432774 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432774 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432780 | XXXX | XXXX | DSCR | 0.290 |  | Verified loan is a 24-month business bank statement program per the Approval. |
| 1432780 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432780 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432780 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432781 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1432781 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1432781 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1432781 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432781 | XXXX | XXXX | Self-Employment Flag |  | N | Not Required for DSCR Business Purpose loans. |
| 1432782 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Bid tape is 111. Audited data is 0. Borrowers are Foreign Nationals. Not required for loan program/product. |
| 1432782 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432782 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432782 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified Self-Employment per loan approval transaction is DSCR/Foreign National. Not required for loan program/product. |
| 1432783 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is DSCR per Approval. |
| 1432783 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432783 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432783 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1438294 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1438294 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432790 | XXXX | XXXX | QM Status | QM | Non-QM | Verified hpml fails, gse set to no |
| 1432793 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | loan is DSCR |
| 1432793 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432793 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432793 | XXXX | XXXX | Prepayment Penalty Type |  | Hard | verified |
| 1432793 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432793 | XXXX | XXXX | Self-Employment Flag | Y | N | not required on DSCR |
| 1432795 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432795 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432796 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | loan is DSCR |
| 1432796 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432796 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432796 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432796 | XXXX | XXXX | Self-Employment Flag | Y | N |  |
| 1432800 | XXXX | XXXX | DSCR | 1.270 |  | Not DSCR loan, full doc verifications |
| 1432800 | XXXX | XXXX | PITI | 1128.44 | 1128.43 | rounding |
| 1432800 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432802 | XXXX | XXXX | DSCR | 1.020 |  | Not required for the loan program. |
| 1432802 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432803 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1432803 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1432804 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432806 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432806 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432806 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| 1432807 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1432807 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432807 | XXXX | XXXX | Self-Employment Flag |  | N | Bid tape is Blank. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| 1432808 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1432808 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid Tape $XXXX reflects the Desk Review value, Audited Data $XXXXverified with appraisal. |
| 1432808 | XXXX | XXXX | Original CLTV | 0.714000 | 0.701112 | Bid tape value 71.40%. Audited data of 70.1112% CLTV is verified per the Note amount of $XXXX/the appraised value of $XXXX. |
| 1432808 | XXXX | XXXX | Original LTV | 0.714000 | 0.701112 | Bid tape value 71.40%. Audited data of 70.1112% LTV is verified per the Note amount of $XXXX/the appraised value of $XXXX. |
| 1432808 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified |
| 1432808 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432808 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| 1432809 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432810 | XXXX | XXXX | Qualifying DTI | 0.43314 | 0.44019 | Bid tape data is 43.314%. Audited data is 44.019%. DTI is verified per the UW income calculation. Total debt $2,121.75/Total qualifying Income $4,820.06. |
| 1447285 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1447285 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1432813 | XXXX | XXXX | DSCR | 1.220 |  | This loan is not a DSCR loan |
| 1432813 | XXXX | XXXX | PITI | 783.37 | 783.36 | The figures are both P&I only and the audited was verified with final CD |
| 1432813 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432814 | XXXX | XXXX | Sales Price | XXXX |  | No sales price required for a cash out refinance. |
| 1432815 | XXXX | XXXX | DSCR | 0.830 |  | Not required for loan program/product |
| 1432815 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432819 | XXXX | XXXX | DSCR | 1.310 |  | Bid tape is 1.310. Audited data is Blank. Verified per loan approval transaction is Full Doc. |
| 1432819 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432820 | XXXX | XXXX | Property City | XXXX | XXXX | Verified with legal description and Note |
| 1432820 | XXXX | XXXX | Interest Only | N | Y | Verified with Note and Loan Approval |
| 1432820 | XXXX | XXXX | Qualifying DTI | 0.46190 | 0.44878 | Bid tape data is 46.190%. Audited data is 44.878%. DTI is verified per the UW income calculation. Total debt $2,408.29/Total qualifying Income $5,366.34. |
| 1432820 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified with Note and Loan Approval |
| 1432823 | XXXX | XXXX | Self-Employment Flag | N | Y | Verified with the voe. |
| 1447287 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1432832 | XXXX | XXXX | DSCR | 0.730 |  | not DSCR |
| 1432832 | XXXX | XXXX | QM Status | QM | Exempt | Verified Business Purpose |
| 1432833 | XXXX | XXXX | Qualifying DTI | 0.44353 | 0.44354 | DTI is less than Program DTI. Due to rounding. |
| 1432834 | XXXX | XXXX | DSCR | 1.080 |  | This is not a DSCR loan. Verified with final approval. |
| 1432834 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432836 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | DSCR loan |
| 1432836 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1432837 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1432837 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1432837 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1432837 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432837 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified transaction is DSCR loan. Not required for program/product. DSCR not required |
| 1432841 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | verified |
| 1432841 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1447289 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1447289 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1447289 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | No Prepayment |
| 1455288 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1455288 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified. |
| 1455288 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified; no prepayment penalty. |
| 1455288 | XXXX | XXXX | Property Type | PUD | Single Family | verified with appraisal |
| 1455290 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with the loan approval. |
| 1455290 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455290 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455290 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1447290 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/BKST Fail |
| 1455292 | XXXX | XXXX | Qualifying DTI | 0.44333 | 0.44325 |  |
| 1432846 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | DSCR loan type per approval in file |
| 1432846 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1438296 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | FN--no score |
| 1438296 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc |  |
| 1447293 | XXXX | XXXX | DSCR | 0.870 |  | This loan program is not a DSCR No Ratio but a Full Doc Loan |
| 1447293 | XXXX | XXXX | Qualifying DTI | 0.39933 | 0.31855 | Qualifying Total Debt Ratio? Bid tape has 39.933%. Audited data is 31.855%?%. Total debt is $5111.79 / $16,047.00Total Qualifying Income. |
| 1447293 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Appraisal & CDA reflect the appraised value at XXXX |
| 1447293 | XXXX | XXXX | Original CLTV | 0.755560 | 0.665579 | Original CLTV: Loan Amount: XXXX Value-XXXX=XXXX v vs Audited Data- Loan Amount: XXXX/ Value: XXXX=XXXX |
| 1447293 | XXXX | XXXX | Original LTV | 0.755560 | 0.665579 | Original CLTV: Loan Amount: XXXX/Value-XXXX=XXXX vs Audited Data- Loan Amount: XXXX/ Value: XXXX=XXXX |
| 1447293 | XXXX | XXXX | PITI | 4071.79 | 3603.19 | (\*Previously Calculated Proposed Monthly Housing Expense: P&I: 3246.23 + Tax: 260.92 + HOI: 96.04 + Wind: 219.75=Total: 3822.94 (FLOOD IN THE AMOUNT OF 248.85 WAS NOT INCLUDED) \*Current Proposed Monthly Housing Expense: P&I: 3246.23 + Tax: 260.92 + HOI: 96.04 + Flood: 248.85 & Wind: 219.75=510.60 =Total: 4071.79) the Flood & Wind insurance was combined in the amount of 468.60 and was entered the field labeled other |
| 1432852 | XXXX | XXXX | Doc Type | FullDocumentation | Reduced Doc | Bid tape is Full Documentation. Audited Data is Reduced Doc. Verified Doc Type per loan approval. |
| 1455296 | XXXX | XXXX | DSCR | 0.830 |  | Bid tape is 0.830. Audited data is Blank. Verified transaction is full doc per loan approval. |
| 1455296 | XXXX | XXXX | Property Type | Condominium | Condo Hotel | Bid tape is Condominium. Audited data is Condo Hotel. Verified property type per Appraisal. Sr Mgmt approval for Condotel. |
| 1455296 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455298 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified loan as a DSCR with the final approval. |
| 1455298 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1432856 | XXXX | XXXX | Appraised Value | XXXX | XXXX | original data is purchase price |
| 1447294 | XXXX | XXXX | DSCR | 0.960 |  | Verified with Loan Approval Loan is a Full Doc |
| 1447294 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455299 | XXXX | XXXX | Qualifying Credit Score | 810 | 787 | Tape data is 810. Audited value is 787. Auditor used lessor of middle three scores. Equifax score is 787. Experian score is 775. Transunion score is 807. |
| 1455299 | XXXX | XXXX | Qualifying DTI | 0.48910 | 0.48917 | Bid tape data is 48.910%. Audited data is 48.917%. DTI housing is verified per the UW income calculation. Total housing debt $2,170.46/Total qualifying Income $4,437.07. |
| 1455300 | XXXX | XXXX | Property Type | PUD | Single Family | Verified with appraisal |
| 1432858 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1455302 | XXXX | XXXX | DSCR | 1.220 |  | Bid tape is 1.220. Audited data is Blank. Verified transaction is Full Documentation. |
| 1455302 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455304 | XXXX | XXXX | DSCR | 0.650 |  | Bid tape is 0.650. Audited data is Blank. Verified per loan approval transaction is bank statement loan. |
| 1455304 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455304 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455304 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455305 | XXXX | XXXX | DSCR | 0.770 |  | Auditor confirmed full doc loan from loan approval |
| 1455305 | XXXX | XXXX | Property Type | PUD | Townhouse | verified with appraisal |
| 1455305 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455306 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1432862 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/QM APR BKST Fail |
| 1447295 | XXXX | XXXX | DSCR | 1.220 |  | Bid tape is 1.220. Audited data is Blank. Verified per loan approval doc type is Full. |
| 1447295 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1447295 | XXXX | XXXX | Qualifying DTI | 0.43316 | 0.39115 | Bid tape data is 43.316%. Audited data is 39.115%. DTI housing is verified per the UW income calculation. Total housing debt $4,318.75/Total qualifying Income $11,041.29. |
| 1447295 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1447295 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1447298 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1447298 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455312 | XXXX | XXXX | Qualifying DTI | 0.43374 | 0.43375 | Total DTI is 43.375% based on the verified Income of $21,060.98 and the Total Expenses of $9,135.15. |
| 1455312 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non QM-GSE/HPML/DTI Fail |
| 1455316 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1455316 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455316 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR No Ratio, No Income Loan Program |
| 1455317 | XXXX | XXXX | Self-Employment Flag |  | Y | Bid tape is blank. Audit value is Y. Verified Self-Employment per 12 months bank statements. |
| 1447303 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage, verified with Loan Approval. |
| 1447303 | XXXX | XXXX | DSCR | 1.070 | 1.000 | Bid Tape is 1.070, Audited Data 1.00, Gross Schedule Income $1,900 divided by monthly mortgage payment $1,906.49 equals DSCR Ratio 1.00 (Bide Tape 1.07 Gross Schedule Income $1,900 divided by monthly payment $1,771.49) |
| 1447303 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455318 | XXXX | XXXX | Qualifying Credit Score | 999 | 0 | Bid tape is 999. Audited data is 0. Borrower is Foreign National. Not Required for Loan Program/Product. |
| 1455318 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval of DSCR/Foreign National. |
| 1455318 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape is $XXXX and is purchase price XXXX. Audited data is $XXXX and is current appraised value. Using last sales price for value. |
| 1455318 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455319 | XXXX | XXXX | Qualifying Credit Score | 760 | 772 | bid tape using lower of both borrowers, auditor using mid score of borrower |
| 1455319 | XXXX | XXXX | DSCR | 0.860 |  | auditor confimred subject is not DSCR based on loan approval |
| 1455319 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455319 | XXXX | XXXX | Self-Employment Flag | N | Y | auditor confirmed borrower is Self employed based on CPA letter |
| 1447304 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape is N. Audited data is Y. Verified Self-Employment per CPA letter and 12 months business bank statements. |
| 1455323 | XXXX | XXXX | Qualifying Credit Score | 658 | 665 | Tape data is 658 Audited value is 665. Auditor used lessor of middle three scores. Equifax score is 665. Experian score is 684. Transunion score is 665. |
| 1455325 | XXXX | XXXX | Property Zip | XXXX | XXXX | full ZIP+4 entered on Property screen |
| 1455326 | XXXX | XXXX | DSCR | 0.570 |  | Audited Data Blank, Verified with Loan Approval Loan is a LMC Expanded Approval AA Full Doc. |
| 1455326 | XXXX | XXXX | Qualifying DTI | 0.33785 | 0.29717 | Audited data of 29.717%. DTI is verified per the UW income calculation. Total debt $5,028.82/ Total qualifying Income $16,922.24. |
| 1455326 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1451964 | XXXX | XXXX | Interest Only | N | Y | Verified on note |
| 1451964 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified on note |
| 1455328 | XXXX | XXXX | DSCR | 0.640 |  | Bid tape is 0.640. Audited data is Blank. Verified per loan approval transaction is Bank Statement loan. |
| 1455328 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1447307 | XXXX | XXXX | Qualifying Credit Score | 542 | 623 | Tape data is 542. Audited value is 623. Auditor used lessor of middle three scores. Equifax score is 614. Experian score is 623. Transunion score is 649. |
| 1447310 | XXXX | XXXX | Qualifying DTI | 0.40901 | 0.45813 |  |
| 1455336 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455336 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1455337 | XXXX | XXXX | Qualifying DTI | 0.36081 | 0.41132 | Bid Tape does not include additional taxes on property of $339.41 and audited included them in the housing ratio. totaling $2326.76 |
| 1447313 | XXXX | XXXX | Qualifying DTI | 0.19833 | 0.40927 | Audited data is total debt of $4687.47/$11453.27 total income = .40927 |
| 1447313 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/Points/BKST Fail |
| 1455338 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455340 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1455340 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455340 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455340 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455340 | XXXX | XXXX | Self-Employment Flag | Y | N | - DSCR No Ratio, No Income Loan Program |
| 1447316 | XXXX | XXXX | Qualifying DTI | 0.45374 | 0.39336 | verified with |
| 1447316 | XXXX | XXXX | Appraised Value | XXXX | XXXX | verified Appraisal reflects $XXXX |
| 1447316 | XXXX | XXXX | Original CLTV | 0.823020 | 0.864876 | Appraised value $XXXX/loan amount $XXXX |
| 1447316 | XXXX | XXXX | Original LTV | 0.823020 | 0.864876 | Appraised value $XXXX/loan amount $XXXX |
| 1447316 | XXXX | XXXX | Property Type | PUD | Single Family | verified with appraisal |
| 1455342 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified as a DSCR Business Purpose loan. |
| 1455342 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455342 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455342 | XXXX | XXXX | Property Type | Condominium | Condo Hotel |  |
| 1455342 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455342 | XXXX | XXXX | Self-Employment Flag | Y | N | Not Required for DSCR Business Purpose loans. |
| 1447317 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1447317 | XXXX | XXXX | Qualifying DTI | 0.31084 | 0.34198 |  |
| 1447317 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455346 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455346 | XXXX | XXXX | Qualifying DTI | 0.43380 | 0.45854 |  |
| 1455346 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455347 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455350 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | verified |
| 1447318 | XXXX | XXXX | DSCR | 1.150 |  | auditor reviewed loan approval and documents provided which evidenced a 24 month business bank statement loan |
| 1447318 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified via note |
| 1447318 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455355 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1455355 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455356 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1455356 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455357 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Bid tape is Full Documentation. Audited data is Asset Depletion. Verified per loan approval transaction is Asset Qualifier. |
| 1455357 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455357 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1447643 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Document Type verified with Loan Approval. |
| 1447643 | XXXX | XXXX | QM Status | QM | Non-QM | QM Status verified with Loan Approval. Verified Non-QM, GSE/Fail |
| 1455359 | XXXX | XXXX | PITI | 3091.30 | 3091.29 | Bid tape $3091.30, audited data $3091.29. This is a rounding issue. |
| 1458782 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage |  |
| 1458782 | XXXX | XXXX | Property Type | Attached | 5-10 Family |  |
| 1458782 | XXXX | XXXX | QM Status | Non-QM | Exempt | business purpose is exempt |
| 1458782 | XXXX | XXXX | Self-Employment Flag |  | N |  |
| 1455361 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1455361 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455361 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1455361 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1447644 | XXXX | XXXX | QM Status | QM | QM Rebuttable Presumption | Verified QM Status, GSE/HPML Fail |
| 1455362 | XXXX | XXXX | Qualifying DTI | 0.43326 | 0.43306 | Bid tape data is 43.326%. Audited data is 43.306%. DTI is verified per the UW income calculation. Total debt $3,616.65/Total qualifying Income $8,351.46. |
| 1455362 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape has N. Audit value is Y. Verified Self-Employment verified per personal tax returns. |
| 1455363 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455366 | XXXX | XXXX | Qualifying Credit Score | 796 | 766 | Qualifying FICO Tape data is 796. Audited value is 766.??Auditor used middle of three scores. Equifax score is 753. Experian score is 766. Transunion score is 768. |
| 1455366 | XXXX | XXXX | Qualifying DTI | 0.43882 | 0.38808 | Qualifying Total Debt Ratio: Bid tape has 43.882%. Audited data is 38.808%. Total debt is $7353.16 / $18,947.78 Total Qualifying Income. ?(Loan Approval reflects 38..131% not sure how the Bid Tape Ratio of 43.882% was derived) |
| 1455366 | XXXX | XXXX | Self-Employment Flag | N | Y | Borrower is self employed per CPA Letter, |
| 1455367 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1455367 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455367 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455367 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape $XXXX is Sales Price. Audited data $XXXX is appraised value. Sales price used to determine LTV. |
| 1455367 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455368 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1455368 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455368 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455368 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455368 | XXXX | XXXX | Self-Employment Flag | N | Y |  |
| 1455369 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per Loan Approval. |
| 1455369 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455370 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified with Approval. Loan is a Forgein National |
| 1455370 | XXXX | XXXX | DSCR | 0.860 |  | verified with loan approval - document type is foreign national with verified wages. Not a DSCR program |
| 1455370 | XXXX | XXXX | Qualifying DTI |  | 0.16828 | Audited data of 16.828% DTI is verified per the UW income calculation. Total debt $558 / Total qualifying Income $3,315.81 |
| 1455370 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455371 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid Tape Blank, Audited Data Debit Service Coverage verified with Loan Approval |
| 1455371 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455371 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape has Y. Audit has N. Loan closed under the DSCR loan program. Employment and Income not required to be verified. |
| 1447323 | XXXX | XXXX | Self-Employment Flag |  | Y | Verified that the co-borrower is self-employed with income documentation and CPA Letter. |
| 1451971 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/DTI/BKST Fail |
| 1455374 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per Loan Approval. |
| 1455374 | XXXX | XXXX | DSCR | 1.200 | 1.290 | Bid tape is 1.200. Audited value is 1.290. Gross Schedule Income is $3,770.00 divided by mortgage payment $2,916.26. |
| 1455374 | XXXX | XXXX | Property Type | PUD | Four Family | Bid tape is PUD. Audited data is Four Family. Verified per Appraisal Property Type is PUD Four Family. |
| 1455374 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455374 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Verified per loan approval transaction is DSCR. Not required for loan program/product. |
| 1455375 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage verified with Loan Approval. |
| 1455375 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid Tape $XXXX is the Sales Price. Audited Data $XXXX verified with appraisal. |
| 1455375 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455375 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required for the loan program. |
| 1451972 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1451973 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Verified the doc type as asset depletion with final approval. |
| 1451974 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1451978 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455378 | XXXX | XXXX | Qualifying DTI | 0.42491 | 0.45045 | Auditor confirmed with final approval |
| 1455378 | XXXX | XXXX | Self-Employment Flag | N | Y | Auditor confirmed with CPA letter |
| 1455379 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Full. Verified Doc Type per loan approval. |
| 1455379 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455380 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape is Full Documentation. Audited data is Alternative Doc. Verified per loan approval transaction is Bank Statement/DSCR loan program. |
| 1455380 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455382 | XXXX | XXXX | DSCR | 0.720 |  | Bid tape is 0.720. Audited data is Blank. Verified per loan approval transaction is Bank statement program. |
| 1455382 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455383 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval. |
| 1455383 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1455383 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified |
| 1455383 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape $XXXX is last sales price + renovation costs. Audited data $XXXX is appraised value. |
| 1455383 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455383 | XXXX | XXXX | Self-Employment Flag | Y | N | Bid tape is Y. Audited data is N. Not required for loan program/product. |
| 1455386 | XXXX | XXXX | Doc Type | FullDocumentation | Asset Depletion | Bid tape is Full Doc. Audit value is Asset Depletion. Loan closed under the Asset Qualifier program and verified with loan approval. |
| 1451980 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455387 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type of DSCR per loan approval. |
| 1455387 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1455387 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455387 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455389 | XXXX | XXXX | DSCR | 1.470 |  | Audited Data Blank verified with Loan Approval. LMC Expanded Approva AA Full Doc Fixed Investment. |
| 1455389 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Bid tape has High Rise Condominium. Audit has CondoHotel. Property type confirmed with appraisal report. |
| 1455389 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpsoe |
| 1447330 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Foreign National |
| 1447330 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | Verified No Prepayment Penalty |
| 1451985 | XXXX | XXXX | Qualifying DTI | 0.57190 | 0.45426 | Bid tape data is 57.190%. Audited data is 45.426%. DTI is verified per the UW income calculation. Total debt $5,127.60/Total qualifying Income $11,287.84. |
| 1451988 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1455390 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1451991 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1451993 | XXXX | XXXX | Qualifying DTI | 0.44518 | 0.43783 | Bid tape data is 44.518%. Audited data is 43.783%. DTI is verified per the UW income calculation. Total debt $4,295.14/Total qualifying Income $9,810.10. |
| 1455392 | XXXX | XXXX | Doc Type | Alternative | Full | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program ID |
| 1455392 | XXXX | XXXX | QM Status | QM | QM Safe Harbor | Verified QM Status, GSE Fail |
| 1455397 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | This transaction is an AltvDoc as income is based on 12 months of Bank Statements |
| 1455397 | XXXX | XXXX | DSCR | 1.020 |  | This is not a DSCR Loan transaction |
| 1455397 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | verified |
| 1455397 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455399 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape is Full Doc. Audit value is Alternative Doc. Doc Type verified with loan approval. |
| 1455399 | XXXX | XXXX | DSCR | 1.000 |  | Bid tape is 1.00. Audit value is blank. Loan was approved under the expanded approval bank statement program. DSCR not applicable. |
| 1455399 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455400 | XXXX | XXXX | Qualifying DTI | 0.40300 | 0.45637 | Bid Tape is 40.300%. Audited data of 45.637% DTI is verified per the UW income calculation. Total debt $4,403.98/ Total qualifying Income $9,650. |
| 1455400 | XXXX | XXXX | QM Status | QM | Non-QM |  |
| 1452002 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified the doc type with the final approval. |
| 1452002 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1452002 | XXXX | XXXX | Original Amortization Term | 360 | 240 | verified |
| 1452002 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1452002 | XXXX | XXXX | Self-Employment Flag |  | N | This is not required for a DSCR loan. |
| 1452003 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified the doc type as DSCR with final approval |
| 1452003 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452003 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1452003 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose is exempt |
| 1452003 | XXXX | XXXX | Self-Employment Flag |  | N | This is not required for this loan program. |
| 1452004 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified doc type with final approval. |
| 1452004 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452004 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified |
| 1452004 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1452004 | XXXX | XXXX | Self-Employment Flag |  | N | Not required for this loan program. |
| 1452007 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | - Verified doc type is a DSCR No Ratio verified with the Loan Approval & the Loan Program I |
| 1452007 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452007 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1452007 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1452007 | XXXX | XXXX | Self-Employment Flag | Y | N | - DSCR No Ratio, No Income Loan Program |
| 1452010 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452010 | XXXX | XXXX | Qualifying DTI | 0.47236 | 0.47195 | Bid Tape is 47.236% is qualifying/amortized PITIA. Audited data is 43.179% is actual PITIA. |
| 1452010 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1455409 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/BKST Fail |
| 1455410 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1455413 | XXXX | XXXX | Qualifying DTI | 0.46652 | 0.46953 |  |
| 1452013 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1455416 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1455417 | XXXX | XXXX | Qualifying Credit Score | 111 | 0 | Not required for the loan program. |
| 1455417 | XXXX | XXXX | Doc Type | Alternative | Full |  |
| 1455417 | XXXX | XXXX | DSCR | 0.940 |  | Not required for the loan program. |
| 1455417 | XXXX | XXXX | Property Zip | XXXX | XXXX | Verified |
| 1455417 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455418 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified with Loan Approval Bank Statements used |
| 1455418 | XXXX | XXXX | DSCR | 0.950 |  | Alt Doc DSCR was not used |
| 1455418 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1452014 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/Points/BKST Fail |
| 1455420 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Loan is bank statement |
| 1455420 | XXXX | XXXX | DSCR | 0.830 |  | Loan is not DSCR |
| 1455420 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1455422 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1455422 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1455423 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audit value is Debt Service Coverage. Doc type verified with the loan approval. |
| 1455423 | XXXX | XXXX | Interest Only | N | Y | Verified. |
| 1455423 | XXXX | XXXX | Original Amortization Term | 360 | 240 | Verified. |
| 1455423 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455423 | XXXX | XXXX | Self-Employment Flag |  | N | Bid tape is blank. Audit value is N. Employment verification not required for DSCR loan program. |
| 1452015 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | verified with approval |
| 1452015 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1452015 | XXXX | XXXX | Self-Employment Flag | Y | N | DSCR not verified |
| 1455426 | XXXX | XXXX | DSCR | 1.040 |  | not DSCR |
| 1455426 | XXXX | XXXX | Qualifying DTI | 0.18811 | 0.23010 | verified with income and debt |
| 1455426 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1457182 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Bid tape has full documentation. Audit value is Alternative Doc. Income verified with 24 months business bank statements. |
| 1457182 | XXXX | XXXX | DSCR | 1.230 |  | Bid tape is 1.23. Audit value is blank. Loan was approved under the alt doc program. DSCR calculation not required. |
| 1457182 | XXXX | XXXX | Qualifying DTI | 0.34636 | 0.28770 | Bid tape has 34.636%. Audited data is 28.77%. Total debt is $2,639.91 / $9,175.76 Total Qualifying Income. |
| 1457182 | XXXX | XXXX | Property Type | HighRiseCondominium | Condo Hotel | Bid tape is High Rise Condo. Audit value is Condotel. Property type verified with appraisal report. |
| 1457182 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455428 | XXXX | XXXX | Qualifying DTI | 0.44996 | 0.43193 | Bid tape data is 44.996%. Audited data is 43.193. DTI is verified per the UW income calculation. Total debt $16,147.25/Total qualifying Income $37,384.04. |
| 1452017 | XXXX | XXXX | Interest Only | N | Y | Verified |
| 1452017 | XXXX | XXXX | Original Amortization Term | 480 | 360 | Verified |
| 1452017 | XXXX | XXXX | Property Street Address | XXXX | XXXX | Verified w/ note |
| 1455432 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified with the loan approval. |
| 1455432 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1455433 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Doc Type verified with Loan Approval. |
| 1455433 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1455434 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Bid tape $XXXX is Desk Review value. Audited data $XXXX is appraised value. |
| 1455434 | XXXX | XXXX | QM Status | QM | Safe Harbor QM (APOR) | Verified QM Status, GSE/DTI Fail |
| 1455435 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Audited Data Debt Service Coverage was verified with Approval. |
| 1455435 | XXXX | XXXX | Interest Only | N | Y | verified via note |
| 1455435 | XXXX | XXXX | Original Amortization Term | 480 | 360 | verified via note |
| 1455435 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1455435 | XXXX | XXXX | Self-Employment Flag | Y | N | Not required for DSCR Loan |
| 1455436 | XXXX | XXXX | Doc Type | FullDocumentation | Alternative Doc | Verified bank statement loan which is a Alt Doc. |
| 1455436 | XXXX | XXXX | DSCR | 0.730 |  | The loan is not a DSCR loan |
| 1455436 | XXXX | XXXX | Appraised Value | XXXX | XXXX | Verified with appraisal. |
| 1455436 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified business purpose |
| 1455437 | XXXX | XXXX | Appraised Value | XXXX | XXXX | delayed financing using last sales price for LTV |
| 1455438 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Bid tape is Alternative. Audited data is Debt Service Coverage. Verified Doc Type per loan approval of DSCR. |
| 1455438 | XXXX | XXXX | Property Zip | XXXX | XXXX | verified via note |
| 1455438 | XXXX | XXXX | QM Status | Non-QM | Exempt |  |
| 1455439 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/DTI/BKST Fail |
| 1455443 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/BKST Fail |
| 1455443 | XXXX | XXXX | Self-Employment Flag | N | Y | Bid tape is N. Audit value is Y. Verified Self-Employment per CPA Letter. |
| 1455445 | XXXX | XXXX | QM Status | QM | Non-QM | Verified Non-QM, GSE/HPML/QM APR/BKST Fail |
| 1459739 | XXXX | XXXX | Doc Type | Alternative | Debt Service Coverage | Verified the doc type as DSCR with final approval. |
| 1459739 | XXXX | XXXX | Interest Only | N | Y | verified |
| 1459739 | XXXX | XXXX | Original Amortization Term | 360 | 240 | verified |
| 1459739 | XXXX | XXXX | Prepayment Penalty Type | Hard |  | verified |
| 1459739 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |
| 1459815 | XXXX | XXXX | QM Status | QM | Non-QM |  |
| 1458792 | XXXX | XXXX | DSCR | 1.100 |  | Not a DSCR loan type |
| 1458792 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified w/ note |
| 1458792 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified w/ note |
| 1458792 | XXXX | XXXX | PITI | 2327.15 | 2171.40 | Missing the HO-6 insurance |
| 1458792 | XXXX | XXXX | QM Status | Non-QM | Exempt | Verified Business Purpose |

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## Exhibit 99.22

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.22**

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;![](ex9922001.jpg)<br>**EFMT 2023-1** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage Loan Sale Executive Summary Report<br>![](ex9922002.jpg) |

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0 \| P a g e

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 15.0 |
| Additional Loan Population Summary | 15.0 |

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1 \| P a g e

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Ellington Financial Inc. and Ellington Empire Fund LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of four (4) mortgage loans that were originally reviewed on June 2022.

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

The mortgage loan review was broken down into the following review scopes:

■ "Compliance Review": 0 Mortgage Loans

■ "Credit Review": 4 Mortgage Loans

■ "Property Review" 4 Mortgage Loans

■ "Data Integrity" 4 Mortgage Loans

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

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

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

For four (4) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Infinity conducted a credit review for four (4) mortgage loans. At that time, Infinity reviewed the 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 Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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The loans were originated to HomeXpress Mortgage Guidelines 2022-02-01.

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

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (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 date 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:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

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

**Occupancy Review:** Infinity 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, Infinity 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.

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**Fraud Review:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for four (4) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loan with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for four (4) mortgage loans. For these four (4) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity'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. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material 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, Infinity'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 Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

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If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

A compliance review was not performed because the loans are exempt.

Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("Kroll").

**OVERALL RESULTS SUMMARY (4 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers four (4) mortgage loans. Within those mortgage loans, Infinity graded three (3) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Kroll Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (4 Mortgage Loans)**

Of the four (4) mortgage loans reviewed, 2 (50.00%) mortgage loans had tape discrepancies across two (2) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (4 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$698895.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$698895.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$698895.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$698895.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$581850.00 | &nbsp;&nbsp;83.25% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$117045.00 | &nbsp;&nbsp;16.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$698895.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$698895.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$698895.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$698895.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$698895.00** | &nbsp;&nbsp;**100.00%** |

---

9 \| P a g e

## Exhibit 99.23

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 2000014644 | $XXXX | Georgia | XX/XX/XXXX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| 2000014027 | $XXXX | Nevada | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| 2000014343 | $XXXX | Nevada | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D CB CA | Not Applicable | Not Applicable | VD | VA |
| 2000014484 | $XXXX | Pennsylvania | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |

---

## Exhibit 99.24

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 2000014027 |  | XXXX | Nevada | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | The Appraisal has been marked As Is On XX/XX/XXXX With The Appraised value Of $XXXX And The Appraiser has provided 8 Comparable to support an opinion of the value |  | 4 Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Cash Out | 692 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $271865.74 |  |  | Alternative | QC Complete | 06/10/2022 |
| 2000014343 |  | XXXX | Nevada | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: As per the given package amount of title insurance is less then the loan amount, loan amount is $XXXX, and title policy amount is $122,500. Provide final title, or updated title policy reflecting enough coverage.<br>\*\*\* (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R<br> COMMENT: Appraisal is subject to, missing 1004D reflecting repairs have been completed. |  |  | used #6 comparable to support the opinion value of appraiser |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 69.417% | 69.417% | Investor | Cash Out | 669 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $117554.33 |  |  | Alternative | QC Complete | 06/21/2022 |
| 2000014484 |  | XXXX | Pennsylvania | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Prepayment Rider Missing - EV R<br> COMMENT: Prepayment Penalty Rider is missing in file. Loan Terms and Fees sheet, Approval, and Loan Application in the loan file reflect a prepayment penalty. State of PA does not allow a Prepayment Penalty for a loan amount less than $217,873. Subject loan amount is $XXXX.<br>6/20/2022 - Received confirmation from client that Per XXXX Compliance Department, Prepayment Penalty Riders are not required in the state of Pennsylvania. Hence condition is resolved. |  |  | The Appraisal has been marked AS IS on XX/XX/XXXX with the appraised value of $XXXX. The appraiser provided 3 comparable to support an opinion of the value. |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 736 |  |  | 6 |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | $30513.84 |  |  | Alternative | QC Complete | 06/16/2022 |
| 2000014644 |  | XXXX | Georgia | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: File contains guideline exception form for not meeting the minimum $50K in equity, however it does not reflect if the exception was approved.<br>6/16/2022 - Received approved exception approval form, hence downgraded the condition to Warning. | FICO: 717<br>LTV/CLTV: 80%<br>Great credit depth overall | The Appraisal has been marked As Is on XX/XX/XXXX with the appraised value of $XXXX and The appraiser has provided 5 comparable to support an opinion of the value |  | Single Family | XX/XX/XXXX | 76.500% | 76.500% | Investor | Purchase | 717 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 12/21/2022 |

---

## Exhibit 99.25

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXXX | 2000014027 |  | XX/XX/XXXX | $XXXX | Not Applicable | $XXXX | $XXXX | 04/10/2022 | 1025 2-4 Family Property |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | ClearCapital | 05/09/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | 2000014343 |  | XX/XX/XXXX | $XXXX | Not Applicable | $XXXX | $XXXX | 05/05/2022 | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| XXXX | 2000014484 |  | XX/XX/XXXX | $XXXX | Not Applicable | $XXXX | $XXXX | 04/27/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | Clear Capital | 06/08/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| XXXX | 2000014644 |  | XX/XX/XXXX | $XXXX | $XXXX | $XXXX | $XXXX | 05/23/2022 | 1004 Residential Appraisal |  |  |  |  |  |  | $XXXX | $0.00 | 0.000% | Clear Capital | 05/27/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.7 |

---

## Exhibit 99.26

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.26**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** |  |  |  |  |  |  |
| **Scienna Id** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| XXXX | 2000014027 |  | Subject Property Detached/Attached | XXXX | Attached |  | The Appraisal dated 04/10/2022 reflects the subject property as detached. | Initial |  |
| XXXX | 2000014343 |  | Borrower Last Name | XXXX | XXXX |  | The Note dated XX/XX/XXXX and signed at closing, reflects the Borrower Last Name as XXXX. | Initial |  |

---

## Exhibit 99.27

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| XXXX | 2000014343 |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | SF1ZKGO1A1M-V7TJ126N | Resolved | 2 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | As per the given package amount of title insurance is less then the loan amount, loan amount is $XXXX, and title policy amount is $122,500. Provide final title, or updated title policy reflecting enough coverage. | 6/24/2022 - Received updated Preliminary Title reflecting sufficient insurance amount exception has been resolved. | 6/24/2022 - Received updated Preliminary Title reflecting sufficient insurance amount exception has been resolved. |  |  | QC Complete | 06/21/2022 | 06/24/2022 | 06/24/2022 | 06/21/2022 |
| XXXX | 2000014343 |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Property | SF1ZKGO1A1M-5COCFHAP | Resolved | 3 | R | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Appraisal is subject to, missing 1004D reflecting repairs have been completed. | 6/24/2022 - Received 1004D exception has been resolved. | 6/24/2022 - Received 1004D exception has been resolved. |  |  | QC Complete | 06/21/2022 | 06/24/2022 | 06/24/2022 | 06/21/2022 |
| XXXX | 2000014484 |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | U4WGGOUUOSU-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Prepayment Penalty Rider is missing in file. Loan Terms and Fees sheet, Approval, and Loan Application in the loan file reflect a prepayment penalty. State of PA does not allow a Prepayment Penalty for a loan amount less than $217,873. Subject loan amount is $XXXX.<br>6/20/2022 - Received confirmation from client that Per XXXX Compliance Department, Prepayment Penalty Riders are not required in the state of Pennsylvania. Hence condition is resolved. | 6/20/2022 - Received confirmation from client that Per XXXX Compliance Department, Prepayment Penalty Riders are not required in the state of Pennsylvania. Hence condition is resolved. | 6/20/2022 - Received confirmation from client that Per XXXX Compliance Department, Prepayment Penalty Riders are not required in the state of Pennsylvania. Hence condition is resolved. |  |  | QC Complete | 06/16/2022 | 06/20/2022 | 06/20/2022 | 06/16/2022 |
| XXXX | 2000014644 |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 5QKN4O0CV1F-J587LE2V | Waived | 3 | W | \* Loan does not conform to program guidelines (Lvl W) | File contains guideline exception form for not meeting the minimum $50K in equity, however it does not reflect if the exception was approved.<br>6/16/2022 - Received approved exception approval form, hence downgraded the condition to Warning. |  |  | FICO: 717<br>LTV/CLTV: 80%<br>Great credit depth overall |  | QC Complete | 12/21/2022 |  |  | 06/15/2022 |

---

## Exhibit 99.28

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.28**

![](ex9928001.jpg)

**EFMT 2023-1**

Opus Capital Markets Consultants, LLC

EFMT 2023-1

**Executive Narrative**

**January 19, 2023**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Ellington Financial Inc., and Ellington Empire Fund LLC**

This report summarizes the results of a due diligence review performed on a pool of 6 loans provided by **Ellington Financial Inc., and Ellington Empire Fund LLC** (Client) who provided Opus Capital Markets Consultants, LLC (Consultant) with a data tape, which represented a 100% sample, and loaded into the Paragon<sup>®</sup> underwriting software. Consultant performed a detailed compliance and credit review on all loans.

As detailed herein, the pool contains 6 non-QM credit/compliance loans they were underwritten to the lender guidelines under the terms of Exhibit A.

Opus was established in 2005 and acquired by Wipro Ltd in January 2014. Owls Partners acquired Opus December 2022.

EXHIBIT A

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements
as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable.
If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family
guidelines.

b) **Employment:** Review the file documentation for minimum required level of employment, income
and asset verifications pursuant to Client provided underwriting guidelines.

c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as
used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
underwriting guideline requirements for closing funds, reserves and borrower liquidity.

e) **Debt Ratio:** Recalculate the debt to income ratio and verify the ratio accuracy used by the
loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the
loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value.
Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

EFMT 2023-1

g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
credit depth to comply with the Client provided underwriting guideline requirements.

i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
provided underwriting guidelines.

j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are
documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

EFMT 2023-1

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs** 

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

EFMT 2023-1

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general"
business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

EFMT 2023-1

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference
in APR based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated, no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

● Three-day disclosure from application of the right to a free copy

● Written appraisal from certified or licensed appraiser

● Interior inspection

● Delivery of copies no later than three days prior to consummation

● If the property falls under the 'flipping' definition, a second appraisal is required and must document:

● The difference in the original sales price and the subsequent sales price

● Changes in market conditions

● Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

EFMT 2023-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

● Good Faith Estimate (GFE):

● Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

● Verify the GFE was provided to the borrower(s) within three days of "Application".

● Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's policies and procedures

● Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

● Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

● Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

● Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that was relied on in providing the GFE and that
changes or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction that was not relied on in providing the
GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or transaction, including boundary disputes,
need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator is required to provide a new revised
GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances"
and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge
or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower
later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms
must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

● Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

○ Confirm the presence of the current applicable Final HUD-1 form

○ Confirm the Final HUD-1 accurately lists all broker and YSP fees.

● Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan 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;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

● Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

● Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

● Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

● Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (Qualified Mortgage / Ability to Repay)** 

**QM/ ATR (qualified mortgage / ability to repay) dodd frank review (loans with application date on or after 01/10/2014) covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

**Ability-to-Repay**

Supplier shall incorporate checkpoints for the ATR's eight verification steps for any origination QC work in accordance with 12 CFR 1026.43 (c). Supplier has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM.

As a part of any ATR check, consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass:

● Income and assets

● Current employment status

● Monthly qualifying mortgage payment for the proposed loan

● Monthly qualifying mortgage payment for the simultaneous loan

● Monthly payment on the same property for payments for taxes, insurance and HOA, etc.

● Debts, alimony and child support

● Qualifying monthly DTI and residual income

● Credit history

If all the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

ATR results will be reported as ATR-Pass, ATR-Fail or ATR-Exempt. This reporting is in addition to the existing credit and compliance related reporting by Supplier.

**Qualified Mortgage**

Supplier's scope includes review of all available QM types in accordance with 12 CFR 1026.43(e)(2),(e)(3) and (e)(4).

● Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

● Revised QM (for applications taken on or after March 1, 2021);

● Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

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● Agency QM with APOR (for applications taken on or after July 1, 2021); and

● Government QM (for applications taken on or after January 10, 2014); and

**Generally Applicable Factors.** The following factors are reviewed for Legacy, Revised and Agency QM categories:

● **Regular Payments**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

● **Term**. Loan term does not exceed 30 years.

● **Points and Fees**. Points and fees do not exceed the applicable threshold for the appropriate loan amount.

○ **QM Rules Points and Fees Testing.** In accordance with 12 CFR 1026.43(b)(1), points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ The portion of upfront private mortgage
insurance that exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan originator compensation – Compensation/YSP
known at the time of the consummation will be included but Supplier does not review lender or broker compensation programs as part
of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real estate-related fees if the creditor
receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate
or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Premiums for credit insurance, credit
property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Prepayment penalty paid in a refinance.

○ Points and fees exclude:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bona fide third-party charges not retained
by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Private mortgage insurance premiums up
to an amount equal to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Up to two bona fide discount points if
the interest rate before the discount does not exceed APOR by 1%; if no discount points excluded up to one bona fide discount point
if the loan's interest rate before the discount does not exceed APOR by 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sellers points.

○ In accordance with 12 CFR 1026.43(e)(3), a loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 3 percent of the total loan amount for
a loan greater than or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ $3,000\* for a loan greater than or equal
to $60,000\* but less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 5 percent of the total loan amount for
a loan greater than or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ $1,000\* for a loan greater than or equal
to $12,500\* but less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 8 percent of the total loan amount for
a loan less than $12,500\*

**Legacy QM**

In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following in accordance with 12 CFR 1026.43(e)(2):

● **Monthly Payment**. The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

● **Appendix Q**. Considers and verifies income assets and debt in accordance with Appendix Q.

● **DTI**. The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

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● **Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

**Revised QM**

In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following in accordance with 12 CFR 1026.43(e)(2), as amended:

● **Monthly Payment**. The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

● **Consider and Verify**. The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

● As part of the "consider" requirement, Supplier will review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay determination.

● **Consider and Verify Safe Harbor.** Creditor is deemed to have complied with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ For purposes of compliance with verification
safe harbor, a creditor must comply with only those provisions in the manuals that require creditors to verify income, assets,
debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and
obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Revised versions of manuals. A creditor
also complies with the verification safe harbor where it complies with revised versions of the manuals listed above provided that
the two versions are substantially similar.

● The Revised QM Rule permits the creditor to "mix and match" verification standards from different agency manuals. Supplier will test the creditor's "verification" of third- party records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more of the agency handbooks listed above.

Note: The creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as underwriter worksheets in order for Supplier to review loans under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support. In addition, Supplier is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

EFMT 2023-1

Note: Due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Supplier will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

● APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*" are indexed for inflation):

○ For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;

○ For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;

○ For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;

○ For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

○ For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.

● APOR – Safe Harbor & Rebuttable Presumption:

○ Safe Harbor – For a first lien loan, APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set

○ Rebuttable Presumption – For a first lien loan, APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points as of the date the interest rate was set

Note: There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Supplier

● **Short Term ARMs**. The APR used on short term ARMs of five years or less uses the maximum rate for the entire term of the loan.

Failing the above tests, results in returning an overall Revised QM status of Fail.

**Agency QM (Fannie Mae/Freddie Mac)**

In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac in accordance with 12 CFR 1026.43(e)(4)(ii)(A). The selling guides for the agencies include:

● LTV / CLTV

● DTI – using the same calculation guidelines as QM

● Credit Score

● Reserves

● Maximum Loan Amount

● Maximum Cash Out

● Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Supplier will note the failure. Customized reporting is available to support Customer requirements for specific loan conditions.

**Agency QM with APOR**

Meets the test for "Agency QM" and the APOR test applicable for Revised QM in accordance with 12 CFR 1026.43(e)(2), as amended.

EFMT 2023-1

**Government QM**

In accordance with 12 CFR 1026.43(e)(4)(B),(C),(D) and (E), a Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

● LTV / CLTV

● DTI – using the same calculation guidelines as QM

● Credit Score

● Reserves

● Maximum Loan Amount

● Maximum Cash Out

● Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Supplier will note the failure. Customized reporting is available to support Customer requirements for specific loan conditions.

**Safe Harbor for QM**

For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

**QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)**

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) QM/TQM-ATR Pass / Non-HPML | [QM or TQM – Pass / HPML – No] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Q M/TQM-ATR Pass / HPML | [QM or TQM – Pass / HPML – Yes] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) ATR Fail / Non-HPML | [QM or TQM – Fail / HPML – No] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4) ATR Fail / HPML | [QM or TQM - Fail / HPML – Yes] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(5) Non-QM / Compliant | [Non-QM or TQM Loan, Exempt / ATR – Compliant] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(6) Non-QM / Noncompliant | [Non-QM or TQM Loan, Exempt / ATR – Noncompliant] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) Not Covered – / Exempt | [QM or TQM – Exempt / ATR – Exempt] |

---

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

**<br> For Legacy QM Rules Higher Priced Covered Transaction – QM APR**

Current testing for HPML will now be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer** 

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

EFMT 2023-1

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID** 

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

● The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

● The Loan Purpose and Property Type includes a closed-end mortgage secured by real estate:

○ Purchase

○ Refinance (Cash Out or Rate Term)

○ Construction and Construction to Permanent Financing

○ SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

● The Loan Purpose and Property Type does not include:

○ HELOCs

○ Reverse mortgages

○ Dwellings that are not attached to real property

○ Mobile homes, where the consumer does not own the land,

● For purposes of determination of Occupancy, TRID applies to loans for owner occupied, second home and vacant land.

● Opus will apply the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**

&nbsp;&nbsp;&nbsp;&nbsp;1. Initial LE

● Verification of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

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● Verification that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

● Verification of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

● General loan information and loan terms sections completed and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

● "Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

● If rate is locked, were lock expiration date, time and time zone disclosed.

● Settlement charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

● Projected Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

● The Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

● Fees disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

● It is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information.

● Any addenda found in file listing ADDITIONAL fees for sections other than Section C

● If Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

● If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

● The Comparison section is complete and accurate as follows:

● In 5 Years calculations for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

● APR is accurate within tolerance based on the terms disclosed on the LE

● Total interest Percentage (TIP) is accurate based on the loan terms disclosed on the LE.

● Rounding rules verified as per 1026.37(o)(4).

● Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

○ Changed Circumstance affecting settlement charges

○ Change Circumstance affecting eligibility

○ Revisions requested by the consumer

○ Interest rate dependent charges

○ Expiration of the LE and

○ Delayed settlement date on a construction loan

○ Timing Requirement for LE 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

● Review and analyze each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure for COC/BRC events disclosed after issuance of Initial CD]

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● Verification of compliance with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

● Verification that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

● Verification of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

● General loan information and loan terms sections completed and formatting is accurate.

● Verify loan term, purpose, and product descriptions follow the prescribed format.

● Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

● If rate is locked, were lock expiration date, time and time zone disclosed.

● Settlement charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

● Projected Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

● The Closing Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

● Fees disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

● It is recommended that an Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

● If Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

● If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

● The Comparison section is complete.

● Rounding rules verified as per 1026.37(o)(4).

● Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

● Fees paid to the lender, broker or an affiliate of either lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

● Fees paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

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● Transfer taxes.

● Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

● Recording fees; and

● Charges for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List of Service Providers.

● Prepaid mortgage insurance will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

● Client considers seller-paid fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) – (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

● Prepaid interest;

● Property insurance premiums;

● Impounds/Escrows;

● Charges for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

● Charges for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

● Prepaid property taxes charged by local and state governments periodically will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed by the Client.

● As noted above, Opus will review the loan file for evidence the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information reasonably available to them at the time the LE was provided. Absent such evidence, Opus will consider the disclosures made in "good faith". Two examples where a disclosure would be considered not made in "good faith" and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails to include a homeowner's insurance
premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the month but estimates prepaid interest
to be paid from the 30th of that month, a finding will be added that the LE was not issued in good faith.

● Review for documentation itemizing fees from the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the disclosures and a tolerance violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains the referenced support documentation.

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Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

● For loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted variances against fees disclosed on Initial LE.

● For loans with an Interim LE, the following procedures will be applied:

○ Review of each Interim LE and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

● In cases where an Interim LE is issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

● Opus will conduct a general CD review and verify the following:

● Recommendation: Closing Disclosure provided at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

● That the correct form is used and all sections of the CD are completed (no blanks or incomplete sections).

● Acknowledgement of receipt by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

● If the CD does not contain a signature line for the consumer's signature, Opus will look for the required alternative statement in "Other Disclosures" with the heading of "Loan Acceptance". While not required, OPUS highly recommends that the client require the CD to be signed and dated by the consumer as it will ensure a timely review.

● If a subsequent CD is issued having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed APR by more than 1/8 or ¼ of one percent on regular or irregular transactions, as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the additional 3 day waiting period unless the overstated APR was based on an overestimated finance charge.

● On the interim and final pre-close CDs the following checks and limitations apply:

● Verification of the technical formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

● Closing, Transaction and Loan Information sections have been completed with accurate information.

● Loan terms sections are completed.

○ Opus will verify loan term, purpose, and product descriptions follow the prescribed format.

○ Opus will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

● Projected Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

● Fees have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

● Any addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For) is completed properly.

● Calculating Cash to Close table completed accurately.

● Summaries of Transaction section completed accurately

● Loan Disclosures section complete:

○ CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

○ Late Payment completed properly (terms disclosed and accurate per note).

○ Escrow Amount section completed properly (only one box selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be
calculated per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year
to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

● If Interest Only, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

● If ARM or Step, is Adjustable Interest Rate (″AIR″) Table disclosed accurately.

● Loan Calculations section complete and accurate.

○ Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that
are paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

○ Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

○ Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with
at least one choice selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection
of one of the two options in the Liability After Foreclosure section, but will not make an independent judgment whether or not
the selection is correct for the property state. Only issue a condition if either no selection is made or if both selections are
made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete
with information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as per 1026.38(t)(4).
Rounding on all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place
(7.250 should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

● In Person: borrower signature date is used.

● Electronic\* - No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of e-delivery date is used.

● Electronic\* - With Receipt Confirmation in File, date of receipt confirmation is used.

● Electronic\* - Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

● Mail (USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

● Use of TRID forms prior to TRID effective date: a finding will be cited if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective date.

● Use of TRID forms on loans not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

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● Your Home Loan Toolkit: a finding will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or was not provided to the borrower within three (3) business days of application.

● Consummation Date: Consummation varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers and they do not all sign the documents on the same day, then use the latest signature date.

● Post-Consummation Disclosures: TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

● If within 30 days of consummation, an event in connection with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

● Non-numeric clerical errors, for the purpose of this scope document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited to:

○ Corrections to the closing information section.

○ Corrections to the transaction information section.

○ Corrections to loan id # or MIC #.

○ Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

○ Corrections to the fee labels and/or order of fees.

○ Corrections to the location of the fee(s).

○ Corrections to missing cure language.

○ Corrections to the "Did This Change" section of Calculating Cash to Close.

○ Corrections to the Loan Disclosures section

○ Corrections to non-numeric items in the Escrow Account section.

○ Corrections to the Other Disclosures section.

○ Corrections to the Contact Information section.

● 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

○ Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:** 

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

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○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations** 

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

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● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

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

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

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

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

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

EFMT 2023-1

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

EFMT 2023-1

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association,
or other group as a common expense.

**Misrepresentation and Third-Party Review** 

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

EFMT 2023-1

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare** 

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

EFMT 2023-1

**Rating Agency Grading Criteria** 

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria** 

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades** 

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades** 

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

EFMT 2023-1

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION** 

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was no obligor with multiple loans in the pool.

EFMT 2023-1

**<u>Pool Details</u>**

![](ex9928002.jpg)

EFMT 2023-1

![](ex9928003.jpg)

EFMT 2023-1

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Junior Lien Balance | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Second Mortgage Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**6** |  |

---

EFMT 2023-1

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

EFMT 2023-1

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moodys | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal, but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

EFMT 2023-1

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated December 21, 2022.

![](ex9928004.jpg)

EFMT 2023-1

![](ex9928005.jpg)

**<u>Loans Reviewed (6 Loans)</u>**

---

| |
|:---|
| &nbsp;&nbsp;2111076430 |
| &nbsp;&nbsp;2112076835 |
| &nbsp;&nbsp;2201080365 |
| &nbsp;&nbsp;2202082268 |
| &nbsp;&nbsp;2202082347 |
| &nbsp;&nbsp;2203084339 |

---

If you have any questions, please contact Greer Allgood at Greer.Allgood@opuscmc.com

EFMT 2023-1

## Exhibit 99.29

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.29**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Customer Loan ID** | **Initial Loan Grade** | **Final Loan Grade** | **Reviewer Loan ID** | **Deal #** |
| 2111076430 |  | 3 | 2 C B A | 327_149 | XXXX |
| 2112076835 |  | 3 | 2 D B A C | 327_156 | XXXX |
| 2201080365 |  | 2 | 2 B A | 327_154 | XXXX |
| 2202082268 |  | 3 | 2 D B A C | 327_179 | XXXX |
| 2202082347 |  | 3 | 2 D B A C | 327_163 | XXXX |
| 2203084339 |  | 2 | 2 B A | 327_214 | XXXX |

---

## Exhibit 99.30

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Customer Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Sub Category** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Loan Attributes** | **Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Subject to Predatory Lending** | **HUD Category** | **Reviewer Loan ID** | **Deal** |
| 2111076430 |  | 327_149_15965 | 15965 | Compliance |  | Charges That in Total Cannot Increase More Than 10% Failure | This loan failed the charges that in total cannot increase more than 10% test. The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance. The final charges that in total cannot increase more than 10% exceed the comparable charges by more than 10%.<br>The WLSP is missing from the loan file causing an assumption that the borrower was not permitted to shop. Fees in Section C and Recording fees are subject to worst case scenario of 10% tolerance for this issue. Provide a valid WLSP dated within 3 business days of the application; OR a tolerance cure of $434.60 is required, along with a corrected CD, evidence of refund to the Borrower, letter of explanation and proof of delivery to the Borrower. |  | (2022-03-29) A revised disclosure was provided reflecting a valid change of circumstance allowing for the increase of the fees previously disclosed to the Borrower.<br> (2022-03-29) Lender provided a valid WLSP. The WLSP validated the Section C fees as a "borrower chosen provider", therefore section C fees are subject to an unlimited tolerance. Compliance testing passes, no violations. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_149 | XXXX |
| 2111076430 |  | 327_149_-96368 | -96368 | Compliance |  | Consummation or Reimbursement Date Validation Test | 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.<br>The tolerance violation, if applicable, is required to be cured within 60 days of discovery. |  | (2022-03-29) Lender provided a valid WLSP. The WLSP validated the Section C fees as a "borrower chosen provider", therefore section C fees are subject to an unlimited tolerance. Compliance testing passes, no violations. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_149 | XXXX |
| 2111076430 |  | 327_149_-96369 | -96369 | Compliance |  | Reimbursement Amount Validation Test | 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.<br>Provide a valid WLSP dated within 3 business days of the application; OR a total tolerance cure of $434.60 is required. |  | (2022-03-29) Lender provided a valid WLSP. The WLSP validated the Section C fees as a "borrower chosen provider", therefore section C fees are subject to an unlimited tolerance. Compliance testing passes, no violations. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_149 | XXXX |
| 2111076430 |  | 327_149_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B grade.  |  | (2022-03-21) This finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_149 | XXXX |
| 2111076430 |  | 327_149_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B grade.  |  | (2022-03-21) This finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_149 | XXXX |
| 2112076835 |  | 327_156_19673 | 19673 | Property |  | Missing Secondary Valuation | A valid secondary valuation supporting the origination appraisal value is not present, No valid secondary origination product, CU Score is missing, No AVM in file, No BPO in file, No CDA/Desk Review in file, No Field Review in file, No 2055 in file.<br>Overall Secondary Valuation Status: No valid secondary product<br>|  | (2022-04-19) A CDA Report was provided. Variance within tolerance. Condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_156 | XXXX |
| 2112076835 |  | 327_156_8720 | 8720 | Credit |  | Missing Evidence of Insurance for REO4 | Missing Evidence of Insurance for property 4 on final application<br>Evidence of insurance for property 3e on the co-borrower's final application not provided. |  | (2022-04-08) Lender provided evidence of the Hazard Insurance Policy for REO4. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 1 D A | Yes |  | 327_156 | XXXX |
| 2112076835 |  | 327_156_15950 | 15950 | Compliance |  | NQM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements | NQM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements<br>The REO documentation is incomplete. |  | (2022-04-08) Lender provided evidence of the Hazard Insurance Policy for REO4. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_156 | XXXX |
| 2112076835 |  | 327_156_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-29) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_156 | XXXX |
| 2112076835 |  | 327_156_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-29) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_156 | XXXX |
| 2201080365 |  | 327_154_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-23) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_154 | XXXX |
| 2201080365 |  | 327_154_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-23) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_154 | XXXX |
| 2202082268 |  | 327_179_19715 | 19715 | Property |  | Missing Appraisal (Property) | Appraisal not provided.<br>|  | (2022-04-11) Lender provided a complete copy of the Appraisal with all addendums. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 D A | Yes |  | 327_179 | XXXX |
| 2202082268 |  | 327_179_19710 | 19710 | Credit |  | Missing Appraisal (Credit) | Appraisal not provided.<br>|  | (2022-04-11) Lender provided a complete copy of the Appraisal with all addendums. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 D A | Yes |  | 327_179 | XXXX |
| 2202082268 |  | 327_179_1814 | 1814 | Compliance |  | ECOA: Appraisal Missing or Incomplete | ECOA Non-Compliant: Appraisal Missing<br>|  | (2022-04-11) Appraisal Present<br> (2022-04-11) Lender provided a complete copy of the Appraisal with all addendums. Documentation submitted is deemed acceptable, condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_179 | XXXX |
| 2202082268 |  | 327_179_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-04-06) This breach finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_179 | XXXX |
| 2202082268 |  | 327_179_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-04-06) This breach finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_179 | XXXX |
| 2202082347 |  | 327_163_10278 | 10278 | Credit |  | Incomplete Credit Report - Borrower | All pages of the most recent/ original credit report was not provided. <br>|  | (2022-03-29) Complete credit report provided. Condition cleared. |  | Cleared | 3 | 1 D A | Yes |  | 327_163 | XXXX |
| 2202082347 |  | 327_163_725 | 725 | Credit |  | Incomplete Credit Report - Coborrower | All pages of the most recent/ original credit report was not provided. <br>|  | (2022-03-29) Complete credit report provided. Condition cleared. |  | Cleared | 3 | 1 D A | Yes |  | 327_163 | XXXX |
| 2202082347 |  | 327_163_15950 | 15950 | Compliance |  | NQM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements | NQM ATR Failure - Monthly Debt Obligations taken into consideration do not meet requirements<br>The credit report for both borrowers are missing from the loan file. |  | (2022-03-29) Complete credit report provided. Condition cleared. |  | Cleared | 3 | 1 C A | Yes |  | 327_163 | XXXX |
| 2202082347 |  | 327_163_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-28) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_163 | XXXX |
| 2202082347 |  | 327_163_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-03-28) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_163 | XXXX |
| 2203084339 |  | 327_214_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-15) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_214 | XXXX |
| 2203084339 |  | 327_214_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>..<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-15) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 B | Yes |  | 327_214 | XXXX |

---

## Exhibit 99.31

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.31**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **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** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** |  |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Field Review Value** | **Field Review Date** | **Recertification Value** | **Recertification Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Model Name** | **Confidence Score** | **FSD Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter/Loan Collateral Advisor Risk Score** | **Deal #** | **Reviewer Loan ID** |
|  | 2111076430 | $XXXX |  | $XXXX | 10/12/2021 | URAR Form 1004 | $XXXX | 2/8/2022 | URAR Form 1004 |  |  | $XXXX | XXXX | $XXXX | 40.67% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 | XXXX | 0686-002_149 |
|  | 2112076835 | $XXXX |  | $XXXX | 12/10/2021 | Form 1025 |  |  |  |  |  |  |  | $0.00 | 0.00% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  | $XXXX | XXXX | $0.00 | 0.00% | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  |  | XXXX | 0686-002_156 |
|  | 2201080365 | $XXXX |  | $XXXX | 2/10/2022 | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  | $XXXX | XXXX | $0.00 | 0.00% | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 3.1 | XXXX | 0686-002_154 |
|  | 2202082268 | $XXXX |  | $XXXX | 2/25/2022 | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  | $XXXX | XXXX | $0.00 | 0.00% | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 3.3 | XXXX | 0686-002_179 |
|  | 2202082347 | $XXXX | $XXXX | $XXXX | 3/5/2022 | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 | XXXX | 0686-002_163 |
|  | 2203084339 | $XXXX | $XXXX | $XXXX | 3/15/2022 | URAR Form 1004 | $XXXX | 3/22/2022 | URAR Form 1004 |  |  |  |  | $XXXX | 3.08% | $XXXX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 | XXXX | 0686-002_214 |

---

## Exhibit 99.32

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.32**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Customer Loan ID** | **Name** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** | **Deal #** |
| 2203084339 |  | XXXX | Doc Type | Full Documentation | Alternative | Incoming Value: Full Documentation<br> Audit Value: Audit value pulled from documents located in the loan file | XXXX |

---

## Exhibit 99.33

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.33**

![](ex9933001.jpg)

**Selene Diligence LLC ("Selene")**

**Due Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC ("Selene") performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Ellington Financial Inc., and Ellington Empire Fund LLC ("Client"). The review was conducted between March 2022 and October 2022 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 27 ATR-QM Exempt loans and 38 Non-QM loans for a total of 65 loans the "Final Securitization Population".

*<u>Credit Reviews (65):</u>*

During the Review, Selene performed a credit review on 65 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (65)</u>*

During the Review, Selene performed a compliance review on 65 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (65):</u>*

During the Review, Selene performed a property valuation review on 65 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (65):</u>*

During the Review, Selene performed a Data Integrity Review on 65 mortgage loans in the Final Securitization

Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 65 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;65 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;65 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;65 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;65 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

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

HomeXpress Non-QM Loan Program Guidelines, Oaktree Funding Non-Agency Advantage Underwriting Guidelines, and EC Non-QM Investor Eligibility Guidelines **(collectively the "Guidelines")** 

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

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

Page **2** of **15**

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

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

**CREDIT REVIEW**

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

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

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

Page **3** of **15**

**DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 65 mortgage loans, (ii) a Compliance Review on 65 mortgage loans (iii) a Valuation Review on 65 mortgage loans, and (iv) a Data Integrity Review on 65 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 65 mortgage loans; 56 mortgage loans had a rating grade of A, 9 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (65 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;29.23% | &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;56 | &nbsp;&nbsp;86.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;13.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;23 | &nbsp;&nbsp;23 | &nbsp;&nbsp;35.38% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;33.85% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

 ****

Page **4** of **15**

 ****

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;64 | &nbsp;&nbsp;98.46% | &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;57 | &nbsp;&nbsp;87.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

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

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

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

Page **5** of **15**

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

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

Selene furnished the following reports on this transaction:

1. Selene Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension Guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client.

**<u>Non-QM Scope</u>**

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page **7** of **15**

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

Page **8** of **15**

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

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

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

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

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

**Additional Review**

Selene's review procedures also included:

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

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

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

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

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

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

**<u>DSCR Scope</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Loan Review Scope** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Borrower Qualifications** 

Selene reviewed each loan file to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

Page **9** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Borrowing Entity Qualifications** 

Selene reviewed each loan file to determine whether it contains the following entity documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence
of good standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Property Manager Entity Qualifications** 

Selene reviewed each loan file to determine that property manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each loan file to determine whether a usiness Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each loan file to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and
remaining term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the loan file to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: reviewed the appraiser's cash flow assumptions, rent comparables, cap rate selection and
value reconciliation

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each loan file to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each loan file to determine whether it contained the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous
two-month period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each loan file to determine whether it contained the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

○ Confirmed monthly rents are populated correctly at the loan level and portfolio level

○ Confirmed Rent verification – proof of lease payments

○ Confirmed vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

○ Confirmed expenses within range, per the Guidelines

○ Confirmed taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

○ Confirmed CapEx meets Guidelines for reasonableness

○ Confirmed annual maintenance fees meet Guidelines

○ Confirmed property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed the DSCR meets program Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

Page **11** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **12** of **15**

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

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

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

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

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

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

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

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

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

vii) 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> 

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **13** of **15**

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

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

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

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, as applicable (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the Guidelines restrictions, and (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.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene made a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene reviewed the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

○ Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.34

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.34**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2200018974 |  |  | $XXXX A D B |
| C101006831 |  |  | $XXXX A D |
| 22022030389 |  |  | $XXXX D A |
| 52022060086 |  |  | $XXXX A D |
| 22022050238 |  |  | $XXXX B D A |
| 2000014837 |  |  | $XXXX A |
| 52022060245 | XXXX |  | $XXXX D C A |
| 52022060279 | XXXX |  | $XXXX A |
| 52022060281 | XXXX |  | $XXXX A |
| 52022060476 | XXXX |  | $XXXX D A |
| 52022060535 | XXXX |  | $XXXX B D A |
| 22022060110 |  |  | $XXXX A |
| 22022060134 |  |  | $XXXX A |
| 22022060148 |  |  | $XXXX A |
| 22022060194 |  |  | $XXXX A |
| 22022050451 |  |  | $XXXX D A |
| R000042 |  |  | $XXXX C A |
| 22022060167 |  |  | $XXXX A C |
| 22022060362 |  |  | $XXXX C A |
| 22022060097 |  |  | $XXXX A C |
| 52022060039 |  |  | $XXXX C D A |
| 22022060326 |  |  | $XXXX A |
| 22022060118 |  |  | $XXXX C A |
| 22022060119 |  |  | $XXXX A C |
| 22022060374 |  |  | $XXXX A B |
| 22022060262 |  |  | $XXXX A |
| 22022060138 |  |  | $XXXX D A B |
| 22022060233 |  |  | $XXXX C A |
| 22022070036 |  |  | $XXXX A |
| 22022060152 |  |  | $XXXX A D |
| 22022060179 |  |  | $XXXX A |
| 22022060190 |  |  | $XXXX C A |
| 22022060149 |  |  | $XXXX A C |
| 22022060333 |  |  | $XXXX C D A B |
| 22022050158 |  |  | $XXXX A C |
| 22022070061 |  |  | $XXXX B C A |
| 22022070270 |  |  | $XXXX A C |
| 22022080028 |  |  | $XXXX A C |
| 22022070011 |  |  | $XXXX A C |
| 22022070224 |  |  | $XXXX A |
| 22022070305 |  |  | $XXXX C D A |
| 22022080012 |  |  | $XXXX C A |
| 22022080085 |  |  | $XXXX A D |
| 22022070184 |  |  | $XXXX A C |
| 22022060492 |  |  | $XXXX A |
| 22022070069 |  |  | $XXXX A |
| 22022060389 |  |  | $XXXX D A |
| 22022060437 |  |  | $XXXX B A |
| 22022070265 |  |  | $XXXX A C |
| 82022050787 |  |  | $XXXX D A |
| 22022080109 |  |  | $XXXX A |
| 22022050321 |  |  | $XXXX A |
| 22022080059 |  |  | $XXXX C A B |
| 22022070190 |  |  | $XXXX D C A |
| 22022070277 |  |  | $XXXX C D A B |
| 22022080215 |  |  | $XXXX A C |
| 22022080041 |  |  | $XXXX A |
| 22022080153 |  |  | $XXXX C A |
| 22022060300 |  |  | $XXXX A |
| 22022080253 |  |  | $XXXX D A B |
| 22022080145 |  |  | $XXXX A D |
| 22022060183 |  |  | $XXXX A C |
| 22022060188 |  |  | $XXXX A C |
| 22022060192 |  |  | $XXXX A D |
| 22022090000 |  |  | $XXXX C A |

---

## Exhibit 99.35

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 2200018974 |  |  | Closed | 2022-04-28 15:47 | 2022-12-22 17:29 | Waived | 2 - Non-Material A B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-1st time investor 80% LTV - 5% Exception<br> - Due Diligence Vendor-12/22/2022 <br>Waived-1st time investor 80% LTV - 5% Exception - Due Diligence Vendor-04/28/2022 |  | Waived-1st time investor 80% LTV - 5% Exception<br> - Due Diligence Vendor-12/22/2022 <br>Waived-1st time investor 80% LTV - 5% Exception - Due Diligence Vendor-04/28/2022<br>|  |  | 7.85 months reserves, Good FICO (741), and housing history (0x30) | CA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 2200018974 |  |  | Closed | 2022-04-13 23:25 | 2022-04-28 15:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor-04/28/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Resolved- - Due Diligence Vendor-04/13/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Open-please provide a certified stamped copy of<br> HUD-1 - Due Diligence Vendor-03/30/2022 | Ready for Review-Document Uploaded. - Seller-04/13/2022 <br>Ready for Review-Document Uploaded. - Seller-04/13/2022<br>|  | 2200018974 - XXXX FINAL HUD-1.pdf<br> FINAL HUD-1 SIGNED (128).pdf |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | C101006831 |  |  | Closed | 2022-04-07 18:34 | 2022-04-07 18:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-RESPA 2010 fees entered. Finding is resolved. - Due Diligence Vendor-04/07/2022 <br>Ready for Review-Document Uploaded. - Seller-04/07/2022 <br>Open-Final HUD-1 Document is Missing in the file please provide - Due Diligence Vendor-04/01/2022 | Ready for Review-Document Uploaded. - Seller-04/07/2022<br>| Resolved-RESPA 2010 fees entered. Finding is resolved. - Due Diligence Vendor-04/07/2022<br>| 0977_001.pdf |  |  | HI | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022030389 |  |  | Closed | 2022-05-10 21:28 | 2022-09-08 18:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable Credit updated. - Due Diligence Vendor-05/11/2022 <br>Ready for Review-Document Uploaded. - Seller-05/10/2022 <br>Open-Gap Credit Report is Missing please Provide - Due Diligence Vendor-05/05/2022 | Ready for Review-Document Uploaded. - Seller-05/10/2022<br>| Resolved-Gap Credit Report is Provided or Not Applicable Credit updated. - Due Diligence Vendor-05/11/2022<br>| LQI REPORT_(1).pdf |  |  | MA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060086 |  |  | Closed | 2022-06-21 21:45 | 2022-06-28 12:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Desk Review updated to property screen, resolved. - Due Diligence Vendor-06/28/2022 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-06/28/2022 <br>Ready for Review-Document Uploaded. See attached CDA - Buyer-06/27/2022 <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Please provide a desk review - Due Diligence Vendor-06/21/2022 |  | Resolved-Desk Review updated to property screen, resolved. - Due Diligence Vendor-06/28/2022 <br>Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-06/28/2022<br>| 46600_CDA.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022050238 |  |  | Closed | 2022-06-14 20:40 | 2022-12-22 17:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-12/22/2022 <br> Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-06/14/2022 <br> Waived-Exception is Available on page no 4CR. Loan Mount <100K and + LTV 5%<br> Comp Factor : DSCR >1 and 3 months Reserves<br> - Due Diligence Vendor-06/14/2022 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-12/22/2022 <br> Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-06/14/2022 <br> Waived-Exception is Available on page no 4CR. Loan Mount <100K and + LTV 5%<br> Comp Factor : DSCR >1 and 3 months Reserves<br> - Due Diligence Vendor-06/14/2022 |  |  | 1.09 DSCR and 19.28 months reserves | PA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022050238 |  |  | Closed | 2022-09-08 20:51 | 2022-12-22 17:37 | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 70% exceeds Guideline HCLTV of 65% - Due Diligence Vendor-12/22/2022 <br>Waived-LTV +5% - Due Diligence Vendor-09/08/2022 <br>Open-Audited HLTV of 70% exceeds Guideline HCLTV of 65% - Due Diligence Vendor-09/08/2022 |  | Waived-Audited HLTV of 70% exceeds Guideline HCLTV of 65% - Due Diligence Vendor-12/22/2022 <br>Waived-LTV +5% - Due Diligence Vendor-09/08/2022<br>|  |  | 1.09 DSCR and 19.28 months reserves | PA | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022050238 |  |  | Closed | 2022-06-21 17:00 | 2022-06-21 19:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/21/2022 <br>Ready for Review-Document Uploaded. - Seller-06/21/2022 <br>Open-The Initial 1003 is Missing. Please Provide - Due Diligence Vendor-06/14/2022 | Ready for Review-Document Uploaded. - Seller-06/21/2022<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/21/2022<br>| initial 1003 XXXX.pdf |  |  | PA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 19:58 | 2022-12-23 14:00 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received acceptable documentation from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/23/2022 <br> Ready for Review-Document Uploaded. Application date was XXXX, Initial Disclosures sent and signed by Borrower 5/10/22. See Mavent that was shipped to Investor - Buyer-06/24/2022 <br> Open-Initial Loan Estimate Document missing Please Provide it - Due Diligence Vendor-06/16/2022 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-06/16/2022 |  | Resolved-Received acceptable documentation from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/23/2022<br>| THAMES MAVENT.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 20:27 | 2022-12-21 17:12 | Resolved | 1 - Information A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/08/2022 <br>Rescinded-DTI confirmed to be 49.725 client provided 1008 - Due Diligence Vendor-07/05/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/05/2022 <br>Open-Audited DTI of 94.89% exceeds Guideline DTI of 50% - Due Diligence Vendor-06/16/2022 |  | Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/08/2022 <br>Rescinded-DTI confirmed to be 49.725 client provided 1008 - Due Diligence Vendor-07/05/2022<br>| THAMES 1008.pdf<br>THAMES Income.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 19:10 | 2022-07-05 18:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-07/05/2022 <br>Resolved-Client provided Credit report - Due Diligence Vendor-07/05/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/05/2022 <br>Open-Credit Report is Missing in file. Please Provide - Due Diligence Vendor-06/16/2022 |  | Resolved-Credit Report is Provided - Due Diligence Vendor-07/05/2022 <br>Resolved-Client provided Credit report - Due Diligence Vendor-07/05/2022<br>| THAMES Credit Report.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 19:10 | 2022-07-05 18:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-07/05/2022 <br>Resolved-Client provided Credit report - Due Diligence Vendor-07/05/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/05/2022 <br>Open-Gap Credit Report is Missing in file. Please provide - Due Diligence Vendor-06/16/2022 |  | Resolved-Gap Credit Report is Provided or Not Applicable - Due Diligence Vendor-07/05/2022 <br>Resolved-Client provided Credit report - Due Diligence Vendor-07/05/2022<br>| THAMES Refresh.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 20:13 | 2022-06-24 18:07 | Resolved | 1 - Information C A | Compliance | Compliance | TRID LE date violation; missing initial Loan Estimate; unable to determine TRID date of compliance | Resolved-LE updated - Due Diligence Vendor-06/24/2022 <br>Ready for Review-Document Uploaded. LE ATTACHED - Buyer-06/24/2022 <br>Open-Initial Loan Estimate Document missing Please Provide it - Due Diligence Vendor-06/16/2022 |  | Resolved-LE updated - Due Diligence Vendor-06/24/2022<br>| LE 5-10.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060245 | XXXX |  | Closed | 2022-06-16 19:58 | 2022-06-24 18:06 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-SPL Provided - Due Diligence Vendor-06/24/2022 <br>Ready for Review-Document Uploaded. SPL ATTACHED - Buyer-06/24/2022 <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). - Due Diligence Vendor-06/16/2022 |  | Resolved-SPL Provided - Due Diligence Vendor-06/24/2022<br>| SPL 5-10.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060281 | XXXX |  | Closed | 2022-07-06 16:46 | 2022-07-06 16:47 | Resolved | 1 - Information A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $164000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/06/2022 <br>Open-Title Coverage Amount of $154000 is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/06/2022 |  | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/06/2022 |  |  |  | NV | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060281 | XXXX |  | Closed | 2022-06-27 19:12 | 2022-07-06 16:43 | Resolved | 1 - Information A | Credit | Doc Issue | Title issue | Resolved-Document provided. Finding resolved. - Due Diligence Vendor-07/06/2022 <br>Ready for Review-Document Uploaded. title - Seller-07/06/2022 <br>Open-Please provide preliminary title report prior to closing date, thank you - Due Diligence Vendor-06/27/2022 | Ready for Review-Document Uploaded. title - Seller-07/06/2022<br>| Resolved-Document provided. Finding resolved. - Due Diligence Vendor-07/06/2022<br>| XXXX 342913 Title Report.pdf |  |  | NV | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 19:34 | 2022-07-22 15:03 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Signed initial 1003 sent in - Due Diligence Vendor-07/22/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-Missing signed initial 1003, please provide<br> - Due Diligence Vendor-07/14/2022 |  | Resolved-Signed initial 1003 sent in - Due Diligence Vendor-07/22/2022<br>| 52022060476_Inital 1003.pdf<br>52022060476_Inital signed 1003.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 19:58 | 2022-07-21 16:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-The Deed of Trust is Missing Please provide missing Deed of Trust - Due Diligence Vendor-07/14/2022 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/21/2022<br>| 52022060476_DEED OF TRUST.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:56 | 2022-07-21 15:05 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-07/21/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected Secondary Valuation missing finding open - Due Diligence Vendor-07/14/2022 |  | Resolved-Validation Resolved - Due Diligence Vendor-07/21/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected Secondary Valuation missing finding open - Due Diligence Vendor-07/14/2022<br>|  |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:56 | 2022-07-21 15:05 | Resolved | 1 - Information A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-07/21/2022 <br>Rescinded-None of the Valuation entries contain core valuation types. Appraisal missing finding open - Due Diligence Vendor-07/14/2022 |  | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-07/21/2022 <br>Rescinded-None of the Valuation entries contain core valuation types. Appraisal missing finding open - Due Diligence Vendor-07/14/2022<br>|  |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:56 | 2022-07-21 15:05 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-07/21/2022 <br>Open- - Due Diligence Vendor-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. Please provide the Desk Review<br> - Due Diligence Vendor-07/14/2022 |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-07/21/2022<br>| 52022060476_CDA.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-21 14:48 | 2022-07-21 15:05 | Resolved | 1 - Information A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/21/2022 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-07/21/2022 |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/21/2022<br>|  |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:58 | 2022-07-21 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-The Title document has been provided. Screens updated. Finding resolved. - Due Diligence Vendor-07/21/2022 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-Title Document is missing Please provide the missing title policy - Due Diligence Vendor-07/14/2022 |  | Resolved-The Title document has been provided. Screens updated. Finding resolved. - Due Diligence Vendor-07/21/2022 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-07/21/2022<br>| 52022060476_Title Documents.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:58 | 2022-07-21 14:58 | Resolved | 1 - Information A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-07/21/2022 <br>Rescinded-Evidence of Property Tax is present 1.25% used from sales price, rescinded - Due Diligence Vendor-07/14/2022 |  | Resolved- - Due Diligence Vendor-07/21/2022 <br>Rescinded-Evidence of Property Tax is present 1.25% used from sales price, rescinded - Due Diligence Vendor-07/14/2022<br>|  |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 20:51 | 2022-07-21 14:53 | Resolved | 1 - Information D A | Property | Missing Doc | Missing appraisal. | Resolved-The Appraisal has been provided. Updated screens. Finding resolved. - Due Diligence Vendor-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-Please provide missing appraisal - Due Diligence Vendor-07/14/2022 |  | Resolved-The Appraisal has been provided. Updated screens. Finding resolved. - Due Diligence Vendor-07/21/2022<br>| 52022060476_APPRAISAL.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060476 | XXXX |  | Closed | 2022-07-14 19:41 | 2022-07-21 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit has been provided. Updated screens. Finding resolved. - Due Diligence Vendor-07/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-07/21/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/20/2022 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is missing, please provide<br> - Due Diligence Vendor-07/14/2022 |  | Resolved-The Business Purpose Affidavit has been provided. Updated screens. Finding resolved. - Due Diligence Vendor-07/21/2022 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-07/21/2022<br>| 52022060476_Business Purpose.pdf |  |  | PA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060535 | XXXX |  | Closed | 2022-07-14 18:27 | 2022-07-18 14:16 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Validation Resolved - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2022 <br>Open-No Secondary Value or Additional Review Products have been selected Appraisal and Desk Review is missing in the file Please Provide. - Due Diligence Vendor-07/14/2022 |  | Resolved-Validation Resolved - Due Diligence Vendor-07/18/2022<br>| 52022060535_SSR FNMA.pdf<br>52022060535_SSR FHLMC.pdf<br>52022060535_APPRAISAL.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060535 | XXXX |  | Closed | 2022-07-14 18:27 | 2022-07-18 14:16 | Resolved | 1 - Information C A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2022 <br>Open-None of the Valuation entries contain core valuation types. Appraisal and Desk Review is missing in the file Please Provide. - Due Diligence Vendor-07/14/2022 |  | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-07/18/2022<br>| 52022060535_CDA.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060535 | XXXX |  | Closed | 2022-07-14 18:27 | 2022-07-18 14:16 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-07/18/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. This will be reconciled when we receive the appraisal - rescind - Due Diligence Vendor-07/14/2022 |  | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-07/18/2022 <br>Rescinded-No Secondary Value or Additional Review Products have been selected, which are required for securitization. This will be reconciled when we receive the appraisal - rescind - Due Diligence Vendor-07/14/2022<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060535 | XXXX |  | Closed | 2022-07-14 20:55 | 2022-07-18 13:57 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Client provided 1008 and approval doc - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2022 <br>Open-Loan Approval Certificate is missing in the file, Please Provide<br> To Determine Loan Program Name please assist. - Due Diligence Vendor-07/14/2022 |  | Resolved-Client provided 1008 and approval doc - Due Diligence Vendor-07/18/2022<br>| 52022060535_Approval Certificate.pdf<br>52022060535_1008 FINAL.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 52022060535 | XXXX |  | Closed | 2022-07-14 17:39 | 2022-07-18 13:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2022 <br>Open-The Deed of Trust is Missing Deed of Trust is missing in the file, Please Provide - Due Diligence Vendor-07/14/2022 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-07/18/2022<br>| 52022060535_DEED OF TRUST.pdf |  |  | TX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022050451 |  |  | Closed | 2022-07-13 17:08 | 2022-07-18 16:46 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated Credit Liabilities tabs - Due Diligence Vendor-07/18/2022 <br> Resolved-Updated credit liabilities screen. Liabilities stated have been excluded. No DTI discrepancy. Finding resolved. - Due Diligence Vendor-07/18/2022 <br> Ready for Review-The following accounts are being paid for by the business. Per XXXX guidelines: Debts paid by the borrower's business can be excluded from the debt-to-income ratio with any of the following supporting documentation:. Please see bank stmt XXXX xXXXX . XXXX $2400, XXXX Auto $645, Am XXXX $629. These account were excluded from debt since paid for by the borrowers business. - Seller-07/18/2022 <br> Open-There is Discrepancy in Liabilities. Liabilities are Considered from Gap report Page no. 06 CR from That total Liabilities is $1792.37 . DTI = (Liabilities(1792)+ Primary Expense(6473.04))/Income (16825.96)) = 48.9%. Please provide clarification on this<br> - Due Diligence Vendor-07/13/2022 | Ready for Review-The following accounts are being paid for by the business. Per XXXX guidelines: Debts paid by the borrower's business can be excluded from the debt-to-income ratio with any of the following supporting documentation:. Please see bank stmt XXXX xXXXX. XXXX $2400, XXXX $645, XXXX $629. These account were excluded from debt since paid for by the borrowers business. - Seller-07/18/2022 | Resolved-Updated Credit Liabilities tabs - Due Diligence Vendor-07/18/2022 <br>Resolved-Updated credit liabilities screen. Liabilities stated have been excluded. No DTI discrepancy. Finding resolved. - Due Diligence Vendor-07/18/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022050451 |  |  | Closed | 2022-07-13 17:21 | 2022-07-18 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/18/2022 <br> Ready for Review-The UW calculated the property taxes at 1.25% of the loan amount with purchases in CA. (Slightly higher than your figures) - Seller-07/18/2022 <br> Ready for Review-The following accounts are being paid for by the business. Per XXXX guidelines: Debts paid by the borrower's business can be excluded from the debt-to-income ratio with any of the following supporting documentation:. Please see bank stmt XXXX xXXXX . XXXX $2400, XXXX $645, XXXX $629. These account were excluded from debt since paid for by the borrowers business. - Seller-07/18/2022 <br> Open-There is a Discrepancy in Property Tax amount as per the tax Certificate monthly Tax is $841.92. But in 1008 UW considered Monthly tax is $879.17. Please provide clarification<br>- Due Diligence Vendor-07/13/2022 | Ready for Review-The UW calculated the property taxes at 1.25% of the loan amount with purchases in CA. (Slightly higher than your figures) - Seller-07/18/2022 <br> Ready for Review-The following accounts are being paid for by the business. Per XXXX guidelines: Debts paid by the borrower's business can be excluded from the debt-to-income ratio with any of the following supporting documentation:. Please see bank stmt XXXX xXXXX. XXXX $2400, XXXX $645, XXXX $629. These account were excluded from debt since paid for by the borrowers business. - Seller-07/18/2022 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-07/18/2022<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-19 13:58 | 2022-07-19 19:35 | Resolved | 1 - Information A | Credit | Assets | Asset 4 Expired | Resolved-Bank statements within the correct timeframe of the application date received and amount confirmed. Resolved. - Due Diligence Vendor-07/19/2022 <br> Resolved-Asset 4 Not Expired Or Not Applicable - Due Diligence Vendor-07/19/2022 <br> Ready for Review-Document Uploaded. - Seller-07/19/2022 <br> Open-Please provided bank account# XXXX statements within time frame bank statements provided only verified up to 01/31/2022 and balance amount is at 60,653.21 this is not the amount that is on the final 1003 of 50,453.70 - Due Diligence Vendor-07/19/2022 <br> Open-Asset 4 Expired - Due Diligence Vendor-07/19/2022 | Ready for Review-Document Uploaded. - Seller-07/19/2022 | Resolved-Bank statements within the correct timeframe of the application date received and amount confirmed. Resolved. - Due Diligence Vendor-07/19/2022 <br>Resolved-Asset 4 Not Expired Or Not Applicable - Due Diligence Vendor-07/19/2022<br>| TD 1.1.22-4.30.22.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-14 17:19 | 2022-07-19 14:02 | Resolved | 1 - Information B A | Credit | Credit | Assets not properly calculated. | Resolved-Client provided 12 months of 0854 TD statements - Due Diligence Vendor-07/19/2022 <br> Ready for Review-Document Uploaded. - Seller-07/18/2022 <br> Open-XXXX - Business Account no-XXXX Not Given Please Provide It - Due Diligence Vendor-07/14/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-Client provided 12 months of XXXX XXXX statements - Due Diligence Vendor-07/19/2022 | XXXX 2.pdf<br>XXXX 1.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-14 15:10 | 2022-07-19 13:50 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Client provided 12 month of bank statement for XXXX - Due Diligence Vendor-07/19/2022 <br> Ready for Review-Document Uploaded. - Seller-07/18/2022 <br> Open-Borrower 1 Business Bank Statements less than 12 Months Provided Please Provide 12 months Business Bank Statements Proof - Due Diligence Vendor-07/14/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-Client provided 12 month of bank statement for XXXX - Due Diligence Vendor-07/19/2022 | XXXX 1.pdf<br>XXXX 2.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-14 17:19 | 2022-07-18 16:19 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Client provided bank statement - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Open- - Due Diligence Vendor-07/14/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-Client provided bank statement - Due Diligence Vendor-07/18/2022<br>| XXXX x7324 4.11-5.10.22.pdf<br> XXXX x7324 5.11-6.11.22.pdf<br> XXXX.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-14 17:08 | 2022-07-18 15:48 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Client provided 1008 - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Open-Income Mismatching from 1003 to 1008 Document Please Provide Correct Income Document<br> - Due Diligence Vendor-07/14/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-Client provided 1008 - Due Diligence Vendor-07/18/2022<br>| 1008 XXXX 40772.17.pdf<br> Income worksheet XXXX.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | R000042 |  |  | Closed | 2022-07-14 18:37 | 2022-07-18 15:32 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Client provided final 1003 signed - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Open-Loan Originator Signature is Missing in the final 1003 - Due Diligence Vendor-07/14/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-Client provided final 1003 signed - Due Diligence Vendor-07/18/2022<br>| Final 1003 XXXX1.pdf |  |  | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060167 |  |  | Closed | 2022-07-15 16:01 | 2022-07-18 16:31 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-07/18/2022 <br>Ready for Review-Document Uploaded. - Seller-07/18/2022 <br>Open-The Final 1003 is Not Executed In Final 1003 Loan Origination Signature Is Missing Please Proved Updated Final 1003 - Due Diligence Vendor-07/15/2022 | Ready for Review-Document Uploaded. - Seller-07/18/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-07/18/2022<br>| Final 1003 XXXX1.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060362 |  |  | Closed | 2022-07-19 21:43 | 2022-07-22 14:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than AUS FICO | Resolved- - Due Diligence Vendor-07/22/2022 <br>Ready for Review-Client provided Approval for FICO of 702 - Due Diligence Vendor-07/22/2022 <br>Ready for Review-Document Uploaded. - Seller-07/22/2022 <br>Open-Fico score on approval provided is less than audited fico score of 702. - Due Diligence Vendor-07/19/2022 | Ready for Review-Document Uploaded. - Seller-07/22/2022<br>|  | APPROVAL CERTIFICATE_.pdf |  |  | CA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060097 |  |  | Closed | 2022-07-19 20:39 | 2022-07-22 22:37 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-07/22/2022 <br>Ready for Review-Document Uploaded. - Seller-07/22/2022 <br>Open-The Final 1003 is Not Executed LO signature missing on final 1003 page on 143 CL , Please provide correct final 1003 - Due Diligence Vendor-07/19/2022 | Ready for Review-Document Uploaded. - Seller-07/22/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-07/22/2022<br>| Final 1003 XXXX1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060039 |  |  | Closed | 2022-08-05 01:35 | 2022-08-05 19:27 | Resolved | 1 - Information A | Credit | Credit | CDA is Missing | Resolved-CDA received and updated to property screen, resolved. - Due Diligence Vendor-08/05/2022 <br>Ready for Review-Document Uploaded. CDA - Seller-08/05/2022 <br>Open-Please provide CDA. CDA is missing from file. - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. CDA - Seller-08/05/2022<br>| Resolved-CDA received and updated to property screen, resolved. - Due Diligence Vendor-08/05/2022<br>| 52022060039_XXXX_CDA.pdf |  |  | CT | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060039 |  |  | Closed | 2022-07-27 14:46 | 2022-07-29 18:29 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Correction by client is noted and asset statement has been received and updated to review, Resolved. - Due Diligence Vendor-07/29/2022 <br> Ready for Review-Document Uploaded. Per Final 1003 (attached). Account ending is XXXX is B of A, not XXXX . XXXX stmt attached. - Seller-07/28/2022 <br> Open-Asset for XXXX #XXXX & $11,153.62 these asset Listed in final 1003 but it is not in the file please provide. Thanks! - Due Diligence Vendor-07/27/2022 | Ready for Review-Document Uploaded. Per Final 1003 (attached). Account ending is XXXX is XXXX, not XXXX. XXXX stmt attached. - Seller-07/28/2022 | Resolved-Correction by client is noted and asset statement has been received and updated to review, Resolved. - Due Diligence Vendor-07/29/2022<br>| 52022060039_XXXX_Final_1003.pdf<br>52022060039_XXXX_Bank_Stmt.pdf |  |  | CT | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060039 |  |  | Closed | 2022-07-21 13:56 | 2022-07-28 19:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received and updated to 1003 screen, resolved. - Due Diligence Vendor-07/28/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/28/2022 <br>Ready for Review-Document Uploaded. Initial 1003 from client - Seller-07/28/2022 <br>Open-The Initial 1003 is Missing The Initial 1003 document is Missing please provide. Thanks! - Due Diligence Vendor-07/21/2022 | Ready for Review-Document Uploaded. Initial 1003 from client - Seller-07/28/2022<br>| Resolved-Initial 1003 received and updated to 1003 screen, resolved. - Due Diligence Vendor-07/28/2022 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/28/2022<br>| 52022060039_XXXX_Initial_1003.pdf |  |  | CT | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 52022060039 |  |  | Closed | 2022-07-27 15:06 | 2022-07-28 19:02 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-1008 received and tax amount updated to 1008 screen, resolved. - Due Diligence Vendor-07/28/2022 <br>Ready for Review-Document Uploaded. 1008 - Seller-07/28/2022 <br>Open-in current 1008 doc Tax $318.68 but as per the tax records calculated tax amount is $493.20. please provide updated 1008 document with reflecting new tax amount of $493.20. Thanks! - Due Diligence Vendor-07/27/2022 | Ready for Review-Document Uploaded. 1008 - Seller-07/28/2022<br>| Resolved-1008 received and tax amount updated to 1008 screen, resolved. - Due Diligence Vendor-07/28/2022<br>| LOPrint (3).pdf |  |  | CT | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060118 |  |  | Closed | 2022-08-10 22:52 | 2022-08-12 18:32 | Resolved | 1 - Information C A | Credit | Credit | Missing subject hazard insurance documentation. | Resolved- - Due Diligence Vendor-08/12/2022 <br> Ready for Review-Document Uploaded. - Seller-08/11/2022 <br> Open-Please provide the HOI policies for - XXXX & XXXX <br> - Due Diligence Vendor-08/10/2022 | Ready for Review-Document Uploaded. - Seller-08/11/2022<br>|  | HOI - HAZARD INSURANCE(20).pdf<br>HOI - HAZARD INSURANCE(21).pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060119 |  |  | Closed | 2022-08-04 18:48 | 2022-09-26 13:54 | Resolved | 1 - Information C A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Document received. Data updated - Due Diligence Vendor-09/26/2022 <br>Ready for Review-Document Uploaded. - Seller-09/23/2022 <br>Open-Appraisal completed: subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed. 1004D not found in file, Please provide.Thank you for your time. - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. - Seller-09/23/2022<br>| Resolved-Document received. Data updated - Due Diligence Vendor-09/26/2022<br>| 1004D(1).pdf |  |  | FL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060374 |  |  | Closed | 2022-08-17 17:26 | 2022-10-24 16:04 | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV >80% - Due Diligence Vendor-10/24/2022 <br>Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-09/07/2022 <br>Waived-. - Due Diligence Vendor-08/18/2022 <br>Resolved-Exception with compensating factors provided - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. - Seller-08/18/2022 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% Audited LTV of 85% exceeds Guideline LTV of 80%. Please advise per new matrix 07/19/2022 2 years housing event seasoning. - Due Diligence Vendor-08/17/2022 | Ready for Review-Document Uploaded. - Seller-08/18/2022<br>| Waived-LTV >80% - Due Diligence Vendor-10/24/2022 <br>Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-09/07/2022 <br>Waived-. - Due Diligence Vendor-08/18/2022 <br>Resolved-Exception with compensating factors provided - Due Diligence Vendor-08/18/2022<br>| Exception XXXX.pdf |  | Residual Income >$3500 - actual $55,058.92<br> DTI below max by 5% or greater - actual 15.71%/23.87% | GA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022060374 |  |  | Closed | 2022-08-09 11:54 | 2022-09-07 21:20 | Resolved | 1 - Information A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 701 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-09/07/2022 <br>Rescinded-Using primary qualifying score of 701, rescinded - Due Diligence Vendor-08/10/2022 <br>Open-Audited FICO of 633 is less than Guideline FICO of 700 - Due Diligence Vendor-08/09/2022 |  | Resolved-Audited FICO of 701 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-09/07/2022 <br>Rescinded-Using primary qualifying score of 701, rescinded - Due Diligence Vendor-08/10/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060374 |  |  | Closed | 2022-08-17 17:26 | 2022-09-07 21:20 | Resolved | 1 - Information A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-09/07/2022 <br>Rescinded-Audited CLTV of 85% exceeds Guideline CLTV of 80% Addressed in one open finding - Due Diligence Vendor-08/17/2022 |  | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 85% - Due Diligence Vendor-09/07/2022 <br>Rescinded-Audited CLTV of 85% exceeds Guideline CLTV of 80% Addressed in one open finding - Due Diligence Vendor-08/17/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060374 |  |  | Closed | 2022-08-17 17:26 | 2022-09-07 21:20 | Resolved | 1 - Information A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 85% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-09/07/2022 <br>Rescinded-Audited HLTV of 85% exceeds Guideline HCLTV of 80% Addressed in one open finding - Due Diligence Vendor-08/17/2022 |  | Resolved-Audited HLTV of 85% is less than or equal to Guideline HCLTV of 85% - Due Diligence Vendor-09/07/2022 <br>Rescinded-Audited HLTV of 85% exceeds Guideline HCLTV of 80% Addressed in one open finding - Due Diligence Vendor-08/17/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060138 |  |  | Closed | 2022-08-17 18:09 | 2022-12-22 17:49 | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception from Lender with compensating factors provided - Due Diligence Vendor-12/22/2022 <br>Waived- - Due Diligence Vendor-08/18/2022 <br>Resolved-Exception from Lender with compensating factors provided - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. - Seller-08/18/2022 <br>Open-Audited FICO of 600 is less than Guideline FICO of 620 Audited FICO of 600 is less than Guideline FICO of 620 according to matrix 07/19/2022. 1008 indicates a possible blend. Please advise. Thank you. - Due Diligence Vendor-08/17/2022 <br>Open-Audited FICO is less than Guideline FICO Audited FICO 600 is less than Guideline FICO 620 according to matrix 07/19/2022. Please advise. Thank you. - Due Diligence Vendor-08/17/2022 | Waived-Exception from Lender with compensating factors provided<br> - Due Diligence Vendor-12/22/2022 <br>Ready for Review-Document Uploaded. - Seller-08/18/2022<br>| Waived-Exception from Lender with compensating factors provided - Due Diligence Vendor-12/22/2022 <br>Resolved-Exception from Lender with compensating factors provided - Due Diligence Vendor-08/18/2022<br>| Exception XXXX.pdf |  | Excess Reserves 3+ months (13 months total) <br> Employment 5+ years (25 years on job) | SC | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022060138 |  |  | Closed | 2022-08-05 18:42 | 2022-08-18 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Updated credit screen. Finding resolved. - Due Diligence Vendor-08/10/2022 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. - Seller-08/10/2022 <br>Open-Borrower 1 Gap Credit Report is Missing Please Provide It - Due Diligence Vendor-08/05/2022 | Ready for Review-Document Uploaded. - Seller-08/10/2022<br>| Resolved-Borrower 1 Gap Credit Report provided. Updated credit screen. Finding resolved. - Due Diligence Vendor-08/10/2022 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/10/2022<br>| LQI XXXX.pdf |  |  | SC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060233 |  |  | Closed | 2022-08-11 21:44 | 2022-08-30 22:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 616 is greater than or equal to Guideline FICO of 600 - Due Diligence Vendor-08/30/2022 <br>Resolved-Loan underwritten to non-agency tier 5 - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. - Seller-08/15/2022 <br>Open-Audited FICO of 616 is less than Guideline FICO of 620 according to matrix 07/19/2022. Please advise. Thank you. - Due Diligence Vendor-08/11/2022 | Ready for Review-Document Uploaded. - Seller-08/15/2022<br>| Resolved-Audited FICO of 616 is greater than or equal to Guideline FICO of 600 - Due Diligence Vendor-08/30/2022 <br>Resolved-Loan underwritten to non-agency tier 5 - Due Diligence Vendor-08/15/2022<br>| NAA Tier 5 min fico 600.pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060152 |  |  | Closed | 2022-08-15 15:27 | 2022-08-19 12:51 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-only Condo's require an HOA questionnaire - resolved - Due Diligence Vendor-08/19/2022 <br>Ready for Review-XXXX does not require a HOA questionnaire. (Only for Condo's) This is a 4plex according to Appraisal. - Seller-08/18/2022 <br>Open-Missing Homeowner's Association Questionnaire In The File Please Provide - Due Diligence Vendor-08/15/2022 | Ready for Review-XXXX does not require a HOA questionnaire. (Only for Condo's) This is a 4plex according to Appraisal. - Seller-08/18/2022<br>| Resolved-only Condo's require an HOA questionnaire - resolved - Due Diligence Vendor-08/19/2022<br>|  |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060190 |  |  | Closed | 2022-08-15 21:07 | 2022-08-22 13:42 | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-1008 uploaded supports back-end DTI of 17.24. Updated screens. Finding resolved. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. Please see 1008 - advise if anything additional is needed. - Seller-08/18/2022 <br>Open-Please clarify data tape back-end DTI 17.244. There are two 1008's in file with different back-end DTI's (pg. 5CR, 143CL) - Due Diligence Vendor-08/15/2022 | Ready for Review-Document Uploaded. Please see 1008 - advise if anything additional is needed. - Seller-08/18/2022<br>| Resolved-1008 uploaded supports back-end DTI of 17.24. Updated screens. Finding resolved. - Due Diligence Vendor-08/22/2022<br>| AUDIT CONDITIONS(28).pdf |  |  | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060149 |  |  | Closed | 2022-08-15 14:06 | 2022-08-18 13:47 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-08/18/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. - Seller-08/18/2022 <br>Open-The Final 1003 is Not Executed In Final 1003 Loan Originator Signature Is Missing Please Provide Updated Final 1003 Document - Due Diligence Vendor-08/15/2022 | Ready for Review-Document Uploaded. - Seller-08/18/2022<br>| Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-08/18/2022 <br>Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/18/2022<br>| Final 1003 XXXX1.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060333 |  |  | Closed | 2022-08-22 19:47 | 2022-09-07 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-Document received, note page updated. - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. Title agent advised re-recording of Note not required. - Seller-09/06/2022 <br>Counter-Please provide corrected addendum to the Note - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-Please provide an updated Prepayment Penalty Addendum. The document provided in Closing file does not state the prepayment term. Thank you. - Due Diligence Vendor-08/22/2022 | Ready for Review-Document Uploaded. Title agent advised re-recording of Note not required. - Seller-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-Document received, note page updated. - Due Diligence Vendor-09/07/2022<br>| XXXX re-recorded.pdf<br> email note.pdf |  |  | CA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 22022060333 |  |  | Closed | 2022-08-23 14:04 | 2022-08-25 16:25 | Resolved | 1 - Information C A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Client provided bank statement showing rental receipt for July. - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. July-$4k deposit along with $4k rent - Total deposit $8k - Seller-08/23/2022 <br>Open-We have verified August and September rental receipts but we couldn't verify the rental receipt of July, please provide clarification on this missing rental receipt. Thank you. - Due Diligence Vendor-08/23/2022 | Ready for Review-Document Uploaded. July-$4k deposit along with $4k rent - Total deposit $8k - Seller-08/23/2022<br>| Resolved-Client provided bank statement showing rental receipt for July. - Due Diligence Vendor-08/25/2022<br>| MISC_(70).pdf |  |  | CA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 22022060333 |  |  | Closed | 2022-08-19 18:49 | 2022-08-25 15:28 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved- - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. - Seller-08/23/2022 <br>Open-The Final 1003 is Not Executed Please provide an updated Final 1003 that is executed by the LO. Thank you. - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. - Seller-08/23/2022<br>|  | Final 1003 XXXX1.pdf |  |  | CA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 22022060333 |  |  | Closed | 2022-08-22 19:58 | 2022-08-23 15:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Exception provided on page 4 of the Credit file. Per guidelines 12 months reserves required, per exception 8 months needed - Due Diligence Vendor-08/22/2022 |  | Waived-Exception provided on page 4 of the Credit file. Per guidelines 12 months reserves required, per exception 8 months needed - Due Diligence Vendor-08/22/2022<br>|  |  | - DSCR above 1 (currently 1.17)<br> - LTV is more than 5% below the max of 75% (Currently 60.49%) | CA | Investment | Refinance | No Cash Out - Lender Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022050158 |  |  | Closed | 2022-08-22 12:26 | 2022-08-25 14:22 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received updated 1003 with LO signature, resolved finding - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. - Seller-08/24/2022 <br>Open-The Final 1003 is Not Executed Final 1003 missing LO signature - please provide - Due Diligence Vendor-08/22/2022 | Ready for Review-Document Uploaded. - Seller-08/24/2022<br>| Resolved-Received updated 1003 with LO signature, resolved finding - Due Diligence Vendor-08/25/2022<br>| Final 1003 XXXX1.pdf |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070061 |  |  | Closed | 2022-09-07 22:53 | 2022-09-09 17:26 | Resolved | 1 - Information A | Credit | Credit | Missing W-2 form | Resolved-Received 2020 transcripts, matches income from 3rd party VOE, finding resolved - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. UW mgr advised allowed to use 3rd party VOE w figures since trascripts matched. - Seller-09/09/2022 <br>Ready for Review-UW advised used WVOE since from 3rd party-no W2 available - Seller-09/09/2022 <br>Open-Please provide the 2020 W-2 for Envy, could only locate the 2021 year in file, thank you - Due Diligence Vendor-09/07/2022 | Ready for Review-Document Uploaded. UW mgr advised allowed to use 3rd party VOE w figures since trascripts matched. - Seller-09/09/2022 <br>Ready for Review-UW advised used WVOE since from 3rd party-no W2 available - Seller-09/09/2022<br>| Resolved-Received 2020 transcripts, matches income from 3rd party VOE, finding resolved - Due Diligence Vendor-09/09/2022<br>| transcripts.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070061 |  |  | Closed | 2022-08-25 17:53 | 2022-08-29 14:37 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/29/2022 <br>Resolved-Received final 1003 signed by the LO, finding resolved - Due Diligence Vendor-08/29/2022 <br>Ready for Review-Document Uploaded. - Seller-08/26/2022 <br>Open-The Final 1003 is Not Executed by the LO, please provide updated document. Thank you. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-08/26/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-08/29/2022 <br>Resolved-Received final 1003 signed by the LO, finding resolved - Due Diligence Vendor-08/29/2022<br>| Final 1003 XXXX1.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070061 |  |  | Closed | 2022-08-24 14:00 | 2022-08-24 14:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $150000 Exception provided on page 5 of the credit file for loan amount of $XXXX less than minimum guideline loan amount required ($150000). - Due Diligence Vendor-08/24/2022 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $150000 Exception provided on page 5 of the credit file for loan amount of $XXXX less than minimum guideline loan amount required ($150000). - Due Diligence Vendor-08/24/2022 |  |  | Comp Factors:<br> - Borrower had 5+ years working for the same wage or self-employed business<br> - No history of derogatory payments on credit ever for all borrowers on credit | FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022070270 |  |  | Closed | 2022-08-29 14:31 | 2022-09-02 17:41 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Client provided Final 1003 signed by LO. - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-The Final 1003 is Not Executed LO signature is missing in the file please provide updated 1003 - Due Diligence Vendor-08/29/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-Client provided Final 1003 signed by LO. - Due Diligence Vendor-09/02/2022<br>| Final 1003 XXXX1.pdf |  |  | CO | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080028 |  |  | Closed | 2022-08-25 13:27 | 2022-09-06 18:54 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022 <br>Resolved-1003 uploaded and screen updated - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/02/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is missing on 1003 final , please provide <br> - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-09/02/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022 <br>Resolved-1003 uploaded and screen updated - Due Diligence Vendor-09/06/2022<br>| Final 1003 XXXX1.pdf |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080028 |  |  | Closed | 2022-08-25 15:32 | 2022-09-06 18:52 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-09/06/2022 <br> Rescinded-Hazard Insurance Effective Date of 08-22-2022 is after the Note Date of XXXX Hazard Insurance Effective Date of 08-22-2022, dry funding. Policy issued 08/17/2022 - Due Diligence Vendor-09/06/2022 <br> Ready for Review-Document Uploaded. Validated with ins agent - active policy effective dates: 8.22.22-8.22.23 - Seller-09/02/2022 <br> Open-Hazard Insurance Effective Date of 08-25-2022 is after the Note Date of XXXX Hazard Insurance Effective Date of 08/25/2022 is after the Note Date of XXXX , <br> This is a dry funding state, please provide the PCCD to to show the minimum disbursement date of 8/25 for the effective date of the hazard insurance policy if the closing costs were finalized after closing - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. Validated with ins agent - active policy effective dates: 8.22.22-8.22.23 - Seller-09/02/2022<br>| Rescinded-Hazard Insurance Effective Date of 08-22-2022 is after the Note Date of XXXX Hazard Insurance Effective Date of 08-22-2022, dry funding. Policy issued 08/17/2022 - Due Diligence Vendor-09/06/2022 | XXXX most recent.pdf<br> email XXXX.pdf |  |  | AZ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070011 |  |  | Closed | 2022-08-25 20:02 | 2022-09-02 20:36 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2022 <br>Resolved-Received final 1003 with LO signature, finding resolved - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-LO Signature is missing in final 1003 please provide Updated final 1003 - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2022 <br>Resolved-Received final 1003 with LO signature, finding resolved - Due Diligence Vendor-09/02/2022<br>| Final 1003 XXXX1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070305 |  |  | Closed | 2022-08-31 15:04 | 2022-09-07 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received PCCD, entered information, finding resolved - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-TRID: Missing Closing Disclosure Please provide the PCCD to show the finalized closing costs - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-Received PCCD, entered information, finding resolved - Due Diligence Vendor-09/07/2022<br>| CD XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070305 |  |  | Closed | 2022-08-26 20:13 | 2022-09-06 14:24 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Document received. Assets updated - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-On 1008 required and Verified assets showing $517,963.95 and $717257.59 respectively , as per final CD cash from borrower is $517,963.95. missing proof of Pending net sale proceeds $717,257.59 please provide Sufficient Asset to close - Due Diligence Vendor-08/26/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-Document received. Assets updated - Due Diligence Vendor-09/06/2022<br>| HUD XXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070305 |  |  | Closed | 2022-08-26 15:20 | 2022-09-02 18:18 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is missing on 1003 final , please provide <br> - Due Diligence Vendor-08/26/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/02/2022<br>| Final 1003 XXXX1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080012 |  |  | Closed | 2022-08-25 23:38 | 2022-09-06 15:32 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 provided, DTI matches, finding resolved - Due Diligence Vendor-09/06/2022 <br> Ready for Review-Document Uploaded. XXXX added 5% for XXXX xXXXX to leave charge off open. Your creditors scren shows $776 2x? - Seller-09/02/2022 <br> Open-DTI Calculation: 1636+2687.28/8930.39\*100 = 48.41%. As per 1008 document borrower liability is $1489 but as per credit report total liabilities are $1636. Because some of the liability like XXXX-XXXX is of $92 as per Final 1003. However as per credit report it is $0. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. XXXX added 5% for XXXX xXXXX to leave charge off open. Your creditors scren shows $776 2x? - Seller-09/02/2022 | Resolved-Updated 1008 provided, DTI matches, finding resolved - Due Diligence Vendor-09/06/2022<br>| LOPrint(14).pdf |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080012 |  |  | Closed | 2022-08-25 19:29 | 2022-09-06 14:57 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022 <br>Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/01/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is missing on 1003 final , please provide <br> - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. - Seller-09/01/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022 <br>Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-09/06/2022<br>| Final 1003 XXXX1.pdf |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080085 |  |  | Closed | 2022-08-31 19:41 | 2022-09-06 18:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD entered, no changes - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/06/2022 <br>Open-TRID: Missing Closing Disclosure This is a dry funding state, please advise if the final closing disclosure in the file has the finalized closing costs or if there is a pccd - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/06/2022<br>| Resolved-PCCD entered, no changes - Due Diligence Vendor-09/06/2022<br>| XXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080085 |  |  | Closed | 2022-08-31 19:42 | 2022-09-06 18:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/06/2022 <br>Open-Calculation for years worked inline of business is less than 2 years, please provide corrected 1003 to show correct years and months worked - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/06/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-09/06/2022<br>| LOPrint(15).pdf |  |  | WA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022070184 |  |  | Closed | 2022-08-30 18:31 | 2022-12-23 13:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Compliance has passed with documents provided by the clients - Due Diligence Vendor-12/23/2022 <br>Ready for Review-Document Uploaded. - Seller-09/15/2022 <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. This loan failed the initial closing disclosure delivery date test because a 3 business day time frame is required between the initial and Final CD, However, the initial CD was delivered 8/16/22 and the final CD was delivered 8/18/22. Please provide an initial CD delivered prior to the CD on file dated 8/16/22. - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/15/2022<br>| Resolved-Compliance has passed with documents provided by the clients - Due Diligence Vendor-12/23/2022<br>| XXXX coc.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070184 |  |  | Closed | 2022-08-31 18:18 | 2022-09-19 18:59 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. - Seller-09/02/2022 <br>Open-The Final 1003 is Not Executed by the LO. Please provide updated copy. Thank you. - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/02/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/06/2022<br>| Final 1003 XXXX1.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060389 |  |  | Closed | 2022-08-31 23:01 | 2022-10-06 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. - Seller-09/06/2022 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VOE for Craig Wood within 5 days of closing - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/06/2022<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-09/07/2022<br>| VERBAL VERIFCATION OF EMPLOYMENT_(8).pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060389 |  |  | Closed | 2022-08-31 23:05 | 2022-09-07 14:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-09/07/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. - Seller-09/06/2022 <br>Open-Final 1003 is missing the LO signature, please provide - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/06/2022<br>| Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-09/07/2022 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-09/07/2022<br>| Final 1003 XXXX 1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060437 |  |  | Closed | 2022-09-06 21:33 | 2022-09-07 22:37 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Received updated 1008, entered information into system, finding resolved - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. - Seller-09/07/2022 <br>Open-The 1008 P&I does not support the payment indicated on the note document. Please provide updated 1008 which will include an updated DTI with new P&I. Thank you for your time. - Due Diligence Vendor-09/06/2022 | Ready for Review-Document Uploaded. - Seller-09/07/2022<br>| Resolved-Received updated 1008, entered information into system, finding resolved - Due Diligence Vendor-09/07/2022<br>| AUDIT CONDITIONS(38).pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Lender Initiated | XXXX | N/A | N/A |
| XXXX | 22022070265 |  |  | Closed | 2022-09-02 18:36 | 2022-09-08 14:33 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/08/2022 <br>Ready for Review-Document Uploaded. - Seller-09/07/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is missing on 1003 final , please provide <br> - Due Diligence Vendor-09/02/2022 | Ready for Review-Document Uploaded. - Seller-09/07/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/08/2022<br>| Final 1003 XXXX1.pdf |  |  | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-06 20:34 | 2022-09-09 19:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/09/2022 <br>Resolved- - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Open-LO signature and Date is missing in 1003 please provide. - Due Diligence Vendor-09/06/2022 | Ready for Review-Document Uploaded. - Seller-09/08/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-09/09/2022<br>| final 1003XXXX1.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-02 17:48 | 2022-09-09 19:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. Updated. - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. LQI-see attached - Seller-09/08/2022 <br>Open-Borrower 1 Gap Credit Report is Missing, please provide. Thanks! - Due Diligence Vendor-09/02/2022 | Ready for Review-Document Uploaded. LQI-see attached - Seller-09/08/2022<br>| Resolved-Borrower 1 Gap Credit Report is not missing. Updated. - Due Diligence Vendor-09/09/2022<br>| LQI XXXX.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-02 18:14 | 2022-09-09 12:15 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI in line - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Open-As per the 1008 income is $7711 but in 1003 borrower is having two types of income Business $7747.19 and Child support income is $1,354.18 total = $7747.19 + $1,354.18 = $9,101.37. 1008 reflecting insufficient income values due to the reason getting DTI discrepancy. Please provide me the clarity. - Due Diligence Vendor-09/02/2022 | Ready for Review-Document Uploaded. - Seller-09/08/2022<br>| Resolved-DTI in line - Due Diligence Vendor-09/09/2022<br>| 10031008 XXXX.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-02 18:16 | 2022-09-09 11:45 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved- - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. Please see 1003/1008- Borr income s/e $7747 and Child support $1354 - Total of 9101- matches 1008 - Seller-09/08/2022 <br>Open-1003 income is not reflecting in 1008 which provided on page no 4CR, getting DTI Discrepancy, please provide updated 1008 document. Thanks! - Due Diligence Vendor-09/02/2022 | Ready for Review-Document Uploaded. Please see 1003/1008- Borr income s/e $7747 and Child support $1354 - Total of 9101- matches 1008 - Seller-09/08/2022<br>|  | 10031008 XXXX.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-06 20:38 | 2022-09-09 11:44 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved- - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. Please see approval - Tier 1 - Seller-09/08/2022 <br>Open-Please confirm Tier details under the approval doc. Thanks! - Due Diligence Vendor-09/06/2022 | Ready for Review-Document Uploaded. Please see approval - Tier 1 - Seller-09/08/2022<br>|  | approval XXXX.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 82022050787 |  |  | Closed | 2022-09-02 21:20 | 2022-09-09 11:31 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved- - Due Diligence Vendor-09/09/2022 <br>Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Open-Right of Rescission is not executed found on page no.62CL but Right to cancel transaction date and Right to cancel date not provided. Please Provide - Due Diligence Vendor-09/02/2022 | Ready for Review-Document Uploaded. - Seller-09/08/2022<br>|  | XXXX.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080109 |  |  | Closed | 2022-09-08 13:48 | 2022-09-13 13:31 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Client provided income calculation worksheet. - Due Diligence Vendor-09/13/2022 <br>Ready for Review-Document Uploaded. - Seller-09/09/2022 <br>Open-Please provide income worksheet. Thank you. - Due Diligence Vendor-09/08/2022 | Ready for Review-Document Uploaded. - Seller-09/09/2022<br>| Resolved-Client provided income calculation worksheet. - Due Diligence Vendor-09/13/2022<br>| INCOME CALCULATION WORKSHEET.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080059 |  |  | Closed | 2022-09-09 16:38 | 2022-12-22 18:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception received for DTI. - Due Diligence Vendor-12/22/2022 <br>Waived- - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Audited DTI of 50.14% exceeds Guideline DTI of 50% There is $56.59 discrepancy in Liabilities hence DTI got fail ($3,606.91 \* 100 / $7,193 = 50.14%) - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Waived-Exception received for DTI. - Due Diligence Vendor-12/22/2022<br>| Exception XXXX.pdf |  | Residual Income > $3500 ($3586.37 currently)<br> LTV 5% or below max (62.39% LTV) <br> Excess reserves 3+ months (51.19 Months) | WA | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes |
| XXXX | 22022080059 |  |  | Closed | 2022-09-09 18:59 | 2022-09-19 16:34 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD date violation; receipt date of initial Closing Disclosure can't be determined | Resolved-Initial CD received and entered. - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Initial CD is missing please Provide - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Resolved-Initial CD received and entered. - Due Diligence Vendor-09/19/2022<br>| Closing_Documents_2022_09_14_6321d6b0f2198.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080059 |  |  | Closed | 2022-09-12 18:25 | 2022-09-19 15:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate updated - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/14/2022 <br>Open-Please Provide Rate lock document whether Revised LE or COC - Due Diligence Vendor-09/12/2022 | Ready for Review-Document Uploaded. - Seller-09/14/2022<br>| Resolved-Rate updated - Due Diligence Vendor-09/19/2022<br>| Rate_Lock_2022_09_14_6321d6ffe47a4.pdf<br>CHANGE OF CIRCUMSTANCE_(2).pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070190 |  |  | Closed | 2022-09-09 19:47 | 2022-09-19 14:44 | Resolved | 1 - Information C A | Compliance | State Reg | NJ Prohibited Fees Test | Resolved-Finding resolved, broker fee and warehouse fee allowed - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Randy advised mtg broker fees and warehouse fees are allowed. Please advise. - Seller-09/15/2022 <br>Open-This loan failed the prohibited fees test. (N.J.S.A. §17:11C-74, N.J.A.C. §§3:1-16.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in feeCommitment FeeWarehouse FeeDiscount Points This loan is failing NJ state fail, please provide clarification on this issue - Due Diligence Vendor-09/09/2022 | Ready for Review-XXXX advised mtg broker fees and warehouse fees are allowed. Please advise. - Seller-09/15/2022 | Resolved-Finding resolved, broker fee and warehouse fee allowed - Due Diligence Vendor-09/19/2022<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070190 |  |  | Closed | 2022-09-09 16:38 | 2022-09-19 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received confirmation of business being active, finding resolved - Due Diligence Vendor-09/19/2022 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/15/2022 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Lenders (XXXX Corp) require a VVOE done within 5 calendar days of closing, please provide - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. - Seller-09/15/2022<br>| Resolved-Received confirmation of business being active, finding resolved - Due Diligence Vendor-09/19/2022 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/19/2022<br>| VOE XXXX.pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070190 |  |  | Closed | 2022-09-12 18:39 | 2022-09-19 14:38 | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Received updated 1008 with Tier, finding resolved - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/15/2022 <br>Open-Loan Program Tier is missing on Approval Document so Considered as 30 YR FIXED NON-AGENCY ADVANTAGE Tier 3. please clarify - Due Diligence Vendor-09/12/2022 | Ready for Review-Document Uploaded. - Seller-09/15/2022<br>| Resolved-Received updated 1008 with Tier, finding resolved - Due Diligence Vendor-09/19/2022<br>| AUDIT CONDITIONS(43).pdf |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-14 17:48 | 2022-11-03 18:41 | Resolved | 1 - Information A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received evidence of cure from the client, finding has been cleared and resolved. - Due Diligence Vendor-11/03/2022 <br>Rescinded-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. added other finding - Due Diligence Vendor-09/14/2022 |  | Resolved-Received evidence of cure from the client, finding has been cleared and resolved. - Due Diligence Vendor-11/03/2022 <br>Rescinded-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. added other finding - Due Diligence Vendor-09/14/2022<br>|  |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-14 17:48 | 2022-11-03 18:41 | Resolved | 1 - Information A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Received evidence of cure from the client, finding has been cleared and resolved. - Due Diligence Vendor-11/03/2022 <br>Rescinded-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. added other finding - Due Diligence Vendor-09/14/2022 |  | Resolved-Received evidence of cure from the client, finding has been cleared and resolved. - Due Diligence Vendor-11/03/2022 <br>Rescinded-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. added other finding - Due Diligence Vendor-09/14/2022<br>|  |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-14 13:46 | 2022-09-29 19:38 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received 1003 with LO signature, finding resolved - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. - Seller-09/19/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is not available in final 1003. Please Provide - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. - Seller-09/19/2022<br>| Resolved-Received 1003 with LO signature, finding resolved - Due Diligence Vendor-09/20/2022<br>| Final 1003 XXXX1.pdf |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-15 15:08 | 2022-09-29 19:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Document received. Data updated. - Due Diligence Vendor-09/29/2022 <br>Ready for Review-Document Uploaded. - Seller-09/29/2022 <br>Counter-Need a corrected DOT for page 2 of the DOT showing the Security date of 10/1/2062 - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. Hello, please advise - the seal clearly shows the correct exp. Can we get this condition waived. - Seller-09/19/2022 <br>Open-The Deed of Trust is Present and Complete DOT is dated in the future please provide updated document - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. - Seller-09/29/2022 <br>Ready for Review-Document Uploaded. Hello, please advise - the seal clearly shows the correct exp. Can we get this condition waived. - Seller-09/19/2022<br>| Resolved-Document received. Data updated. - Due Diligence Vendor-09/29/2022<br>| email XXXX.pdf<br>resigned DOT XXXX.pdf |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-14 17:48 | 2022-09-20 17:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD with cure amount of $177.60 - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. - Seller-09/19/2022 <br>Open-Please provide COC for the initial CD showing the increase in the recording fee, or tolerance refund check in the amount of $177.60. - Due Diligence Vendor-09/19/2022 <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% ($377.60) exceed the comparable charges ($200.00) 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). This loan failed the charges that "Recording Fee" added by in Initial CD dated 08/23/2022 without a valid Change of Circumstance.<br> Please provide COC, or tolerance refund check in the amount of $377.60 PCCD, LOE, and proof of delivery. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. - Seller-09/19/2022<br>| Cured-Received PCCD with cure amount of $177.60 - Due Diligence Vendor-09/20/2022<br>| cure XXXX.pdf |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022070277 |  |  | Closed | 2022-09-14 20:38 | 2022-09-20 14:57 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Finding resolved, DTI within .1% - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. - Seller-09/19/2022 <br>Open-There is $45.01 liabilities difference hence DTI for fail $21,344.78 \* 100% / $42,780.23 = 49.89% - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. - Seller-09/19/2022<br>| Resolved-Finding resolved, DTI within .1% - Due Diligence Vendor-09/20/2022<br>| AUDIT CONDITIONS(44).pdf |  |  | DC | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022080215 |  |  | Closed | 2022-09-15 14:36 | 2022-09-20 18:42 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/20/2022 <br>Resolved-Document received, updated. - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. - Seller-09/20/2022 <br>Open-The Final 1003 is Not Executed Loan Originator Signature is not Available in fila 1003 Please Provide<br>- Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. - Seller-09/20/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-09/20/2022 <br>Resolved-Document received, updated. - Due Diligence Vendor-09/20/2022<br>| Final 1003 XXXX1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080153 |  |  | Closed | 2022-09-22 16:18 | 2022-10-24 13:56 | Resolved | 1 - Information B A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/24/2022 <br>Waived-page 5cr in the file showing borrower living rent free.<br> - Due Diligence Vendor-09/22/2022 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/24/2022 <br>Waived-page 5cr in the file showing borrower living rent free.<br> - Due Diligence Vendor-09/22/2022<br>|  |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080153 |  |  | Closed | 2022-09-21 13:07 | 2022-10-03 13:51 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Document received. Data updated. - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Counter-Please provide prepayment addendum again. The document provided failed to load. - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Open-1) Prepayment term is not noted on addendum to note, <br> 2)the missing data on the prepayment addendum - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022<br>| Resolved-Document received. Data updated. - Due Diligence Vendor-10/03/2022<br>| XXXX prepayment.pdf<br> prepay XXXX.pdf |  |  | FL | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080253 |  |  | Closed | 2022-09-27 19:37 | 2022-12-22 18:27 | Waived | 2 - Non-Material B | Credit | Credit | Reserve requirement was not met | Waived-Exception Form which was available page no.5CR for loan :3 months Reserves but as per matrix Loan amount $500000-$99999 "6" months Reserves updated.<br> - Due Diligence Vendor-12/22/2022 <br>Waived-Exception Form which was available page no.5CR for loan :3 months Reserves but as per matrix Loan amount $500000-$99999 "6" months Reserves updated. - Due Diligence Vendor-09/27/2022 |  | Waived-Exception Form which was available page no.5CR for loan :3 months Reserves but as per matrix Loan amount $500000-$99999 "6" months Reserves updated.<br> - Due Diligence Vendor-12/22/2022 <br>Waived-Exception Form which was available page no.5CR for loan :3 months Reserves but as per matrix Loan amount $500000-$99999 "6" months Reserves updated. - Due Diligence Vendor-09/27/2022<br>|  |  | These exception(s) were made based on the following compensating factors:<br> - 5% less than max LTV (Max LTV per matrix is 85%, current LTV 80%) <br> - Over 5 years same business ownership. CPA available page no.82CR more than 10years owns 100% business. | CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | 22022080253 |  |  | Closed | 2022-09-29 17:58 | 2022-10-04 17:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-The client provided LE. - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Locked at disclosures - Seller-09/30/2022 <br>Open-Please provide the change of circumstance and Loan Estimate for the rate lock - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. Locked at disclosures - Seller-09/30/2022<br>| Resolved-The client provided LE. - Due Diligence Vendor-10/04/2022<br>| LE - locked at disc.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080253 |  |  | Closed | 2022-09-27 20:31 | 2022-10-04 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of Employment Document is missing in file. Please provide verification of business being active within 10 days prior to closing. - Due Diligence Vendor-09/27/2022 | Ready for Review-Document Uploaded. - Seller-09/30/2022<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/04/2022<br>| MISC_(101).pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080253 |  |  | Closed | 2022-09-27 17:34 | 2022-10-04 14:06 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The client provided executed 1003 with LO signature - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Open-The Final 1003 is Not Executed The LO Signature missing in Final 1003 document which was available page no.130CL under Section :9 Loan Originator Information. Please Provide - Due Diligence Vendor-09/27/2022 | Ready for Review-Document Uploaded. - Seller-09/30/2022<br>| Resolved-The client provided executed 1003 with LO signature - Due Diligence Vendor-10/04/2022<br>| Final 1003 XXXX1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022080145 |  |  | Closed | 2022-10-04 18:57 | 2022-10-04 22:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. - Seller-10/04/2022 <br>Open-Please provide an updated 1003, section 5a does not state that the borrower has owned another property in the past 3 years - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. - Seller-10/04/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/04/2022<br>| Final 1003 XXXX1.pdf |  |  | IN | Second Home | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | 22022060183 |  |  | Closed | 2022-10-19 03:39 | 2022-10-20 14:09 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Document received, data updated. - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. - Seller-10/19/2022 <br>Open-The Final 1003 is Not Executed LO signature is missing on Final 1003 - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. - Seller-10/19/2022<br>| Resolved-Document received, data updated. - Due Diligence Vendor-10/20/2022<br>| Final 1003 XXXX183.pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060188 |  |  | Closed | 2022-10-17 05:00 | 2022-10-20 14:06 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/20/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. - Seller-10/19/2022 <br>Open-The Final 1003 is Not Executed Laon Originator Signature is missing In Final 1003 document. - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. - Seller-10/19/2022<br>| Resolved-The Final 1003 is Executed - Due Diligence Vendor-10/20/2022 <br>Resolved-Document received, data updated. - Due Diligence Vendor-10/20/2022<br>| final 1003 XXXX188.pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022060192 |  |  | Closed | 2022-10-14 02:28 | 2022-10-21 11:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/19/2022 <br>Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Open-LO Signature missing in Final 1003 - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/19/2022 <br>Resolved-Received final 1003 signed by LO, finding resolved - Due Diligence Vendor-10/19/2022<br>| Final 1003 XXXX 192.pdf |  |  | TX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022090000 |  |  | Closed | 2022-10-17 10:35 | 2022-10-21 17:45 | Resolved | 1 - Information A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-10/21/2022 <br>Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 92% - Due Diligence Vendor-10/20/2022 <br>Rescinded-Audited CLTV of 90% exceeds Guideline CLTV of 85% - Due Diligence Vendor-10/17/2022 |  | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-10/21/2022 <br>Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 92% - Due Diligence Vendor-10/20/2022 <br>Rescinded-Audited CLTV of 90% exceeds Guideline CLTV of 85% - Due Diligence Vendor-10/17/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022090000 |  |  | Closed | 2022-10-17 10:35 | 2022-10-21 17:45 | Resolved | 1 - Information A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90% - Due Diligence Vendor-10/20/2022 <br>Rescinded-Audited HLTV of 90% exceeds Guideline HCLTV of 85% - Due Diligence Vendor-10/17/2022 |  | Resolved-Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90% - Due Diligence Vendor-10/20/2022 <br>Rescinded-Audited HLTV of 90% exceeds Guideline HCLTV of 85% - Due Diligence Vendor-10/17/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | 22022090000 |  |  | Closed | 2022-10-17 10:35 | 2022-10-21 17:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-10/20/2022 <br>Resolved-Clarification received. - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Loan was approved as Tier 1 - Guidelines show 5% reduction for Titanium product only. Loan was not approved as Titanium product. - Seller-10/19/2022 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% Please provide program tier or clarification. FTHB with 2 years rent free. Tier 3 used during review. Thank you - Due Diligence Vendor-10/17/2022 | Ready for Review-Loan was approved as Tier 1 - Guidelines show 5% reduction for Titanium product only. Loan was not approved as Titanium product. - Seller-10/19/2022<br>| Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-10/20/2022 <br>Resolved-Clarification received. - Due Diligence Vendor-10/20/2022<br>|  |  |  | GA | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.36

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.36**

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| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller 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** | **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** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **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** |
| 2200018974 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 02-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 03-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| C101006831 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 02-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 03-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022030389 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 03-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 04-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 52022060086 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 02-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 22022050238 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 52022060245 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 05-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | Pro Teck | Reasonable Risk | 05-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 52022060279 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 05-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 52022060281 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 05-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 05-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 52022060476 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 06-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 06-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 52022060535 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 04-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 04-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060110 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-17-2022 | XXXX | 0.0 | .000 | 06-20-2022 | 1004 URAR |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060134 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060148 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-21-2022 | XXXX | XXXX | .033 | 06-21-2022 | 1004 URAR |  |  |  |  |  |  |  | XXXX | XXXX | -.061 | ClearCapital | Moderate Risk | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060194 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022050451 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| R000042 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 22022060167 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060362 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060097 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 06-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 52022060039 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | Pro Teck | Reasonable Risk | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060326 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060118 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060119 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060374 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060262 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060138 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 22022060233 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 22022070036 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060152 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060179 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060190 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 22022060149 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060333 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022050158 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 22022070061 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070270 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080028 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070011 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070224 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070305 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080012 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 06-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080085 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 22022070184 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060492 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070069 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 22022060389 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060437 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.060 | ClearCapital | Moderate Risk | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070265 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 82022050787 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 22022080109 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022050321 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 05-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 06-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080059 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070190 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022070277 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-11-2022 | XXXX | XXXX | .021 | XXXX | 1004 URAR |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080215 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 09-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 22022080041 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.026 | ClearCapital | Moderate Risk | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 22022080153 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 22022060300 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 07-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022080253 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 09-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 22022080145 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 08-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 22022060183 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 06-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 22022060188 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022060192 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 08-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Low Risk | 08-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22022090000 |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .000 | ClearCapital | Moderate Risk | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.37

[EFMT DEPOSITOR LLC ABS-15G](efmt-abs15g_012523.htm)

**Exhibit 99.37**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2200018974 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | (DSCR30) 30 YR FIXED CASH FLOW 2 YR PPP | 1st time investor - 80% LTV/ 5% exception | DSCR loan |
| 2200018974 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Approve Eligible | Verified with the 1008 is manual |
| 2200018974 |  | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | na | DSCR loan |
| C101006831 |  | XXXX | AUS Recommendation | the1008Page | Manual Underwriting | Unknown | Manual Underwriting is correct. |
| 22022030389 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | As per the Approval cert this is DSCR file |
| 22022030389 |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | Updated per Note. |
| 22022030389 |  | XXXX | Prepayment Penalty Flag | notePage | Y | Yes | Formatting, values match. Per the prepayment rider, Prepayment Penalty Flag selected. |
| 22022050238 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per Approval Document Page no 1CR |
| 22022050238 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Updated as per Note Document Page no 14CL |
| 52022060245 | XXXX | XXXX | Loan Program | the1003Page | PrimeGen 30 Year Fixed | PG30BS | Loan Program updated as per Data Entry Proof found on page no.170CR |
| 52022060245 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3099.76 | 2662.72 | As per final 1008 document $3099.76 but as per note document, Total Housing Expense $2662.72 found on page no.10CL |
| 52022060279 | XXXX | XXXX | Loan Program | the1003Page | ALL Fixed rate Conventional 1st Lien Loans | Celebrity Expanded Investor Plus >= 1.00 DSCR 30 Yr Fixed | Updated as per the approval Document |
| 52022060279 | XXXX | XXXX | Amortization Term | notePage | 360 | 30 | Updated as per the Note |
| 52022060279 | XXXX | XXXX | Escrow Flag | hudClosingDetailPage | Yes | No | Values Match |
| 52022060279 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Investment property hence selected ATR/Qm Exempt |
| 52022060281 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | As per DSCR loan this is Correct QM ATR/QM: Exempt |
| 52022060281 | XXXX | XXXX | Amortization Term | notePage | 360 | 30 | As per Note Document This is 360 Terms |
| 52022060281 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.2 | 1.01 | Per the 1400 lease amount used for DSCR calculation, DSCR comes out to 1.2 |
| 52022060476 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | Updated as per note document page no 2 CL |
| 52022060476 | XXXX | XXXX | Mortgage Origination Channel | the1003Page | Wholesale | Correspondent Bulk | Updated as per 1003 page no 2CR |
| 52022060476 | XXXX | XXXX | Loan Program | the1003Page | Investor Advantage A 30 Yr Fixed | 30 YR FIXED INV SOLNS GRADE A RESMAC | Updated as per given update or 1008 page no 1 CR |
| 52022060476 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | This is DSCR loan as per 1008 |
| 52022060476 | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Updated as per note document page no 2 CL |
| 52022060476 | XXXX | XXXX | Escrow Flag | finalCdDetailPage | No | Yes | Updated as per 1008 page no 1 CR |
| 52022060535 | XXXX | XXXX | Mortgage Origination Channel | the1003Page | Wholesale | Correspondent Bulk | Updated as per Initial 1003. |
| 52022060535 | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Updated from Note Document page 2 CL. |
| 52022060535 | XXXX | XXXX | Escrow Flag | finalCdDetailPage | No | Yes | Escrow Waiver is present on 59 CL. |
| 52022060535 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | Updated from Note Document. |
| 52022060535 | XXXX | XXXX | Loan Program | the1003Page | Investor Advantage B 40yr Fixed IO 3 Yr Prepay | 3 YR PPP | Updated as per Note, 1008, and Credit Report. |
| 22022060134 |  | XXXX | Housing Debt/Income Ratio | the1008Page | 35.97 | 35.98 | Rounding, within 1% |
| 22022060134 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.69 | 39.63 | Within 2% of 1008 value |
| 22022060194 |  | XXXX | Housing Debt/Income Ratio | the1008Page | 9.03 | 9.04 | Rounding, 1% Variance Allowable As Per Lender Guidelines |
| 22022050451 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Borrower subject to Property is Primary residency and he is having income. |
| 22022050451 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.41 | 41.55 | There is Discrepancy in Liabilities. Liabilities are Considered from Gap report Page no. 06 CR from That total Liabilities is $1792.37 . DTI = (Liabilities(1792)+ Primary Expense(6473.04))/Income (16825.96)) = 48.9%. Please provide clarification on this<br> Discrepancy addressed by lender. Liabilities being excluded due to being paid by business. No DTI discrepancy. |
| 22022050451 |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Updates as per the Note document Page no.32 CL |
| R000042 |  | XXXX | Housing Debt/Income Ratio | the1008Page | 9.97 | 9.91 | Values Matches |
| R000042 |  | XXXX | Loan Program | the1003Page | 30 YR FIXED CD TITANIUM ADVANTAGE | 30 YR FIXED TITANIUM ADVANTAGE | Updated as per Approval Certificate |
| R000042 |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Updated as per Appraisal; Report |
| R000042 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.37 | 16.46 | DTI +/- 1% Allowable as per Guidelines |
| R000042 |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Updated as per Note Document |
| 22022060167 |  | XXXX | Housing Debt/Income Ratio | the1008Page | 36.53 | 36.54 | With In 1% |
| 22022060167 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Updated As Per Lender Guidelines |
| 22022060362 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan type confirms to be DSCR |
| 22022060362 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 702 | 681 | verified per credit report |
| 22022060097 |  | XXXX | Loan Program | the1003Page | 30 Yr Fixed NON-Agency Advantage Tier 1 | 30 YR FIXED NON-AGENCY ADVANTAGE | Value Matches |
| 22022060097 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.35 | 45.36 | 1% Tolerance is acceptable as per guideline |
| 22022060097 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | For Primary residence updated as per guideline QM status selected Non-QM: Lender documented all ATR UW factors |
| 22022060326 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per the Approval document. Page 1CR |
| 22022060326 |  | XXXX | Loan Program | the1003Page | 30 YR FIXED INVESTOR ADVANTAGE IO - 5 YR PPP | 30 YR FIXED INVESTOR ADVANTAGE IO - 5 YR PPP | Formatting error, Values Match |
| 22022060118 |  | XXXX | Prepayment Penalty Flag | notePage | Y | Yes | As per the prepayment rider Prepayment Penalty Flag selected |
| 22022060118 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | As per the Approval cert this is DSCR file |
| 22022060119 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per Approval document Page No 1CR |
| 22022060374 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.71 | 25.54 | DTI is 23.87% in 1008 and 23.32 is withisn 1% of tollerance and it is matching |
| 22022060374 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Primary Residence Property hence selected Non-QM: Lender documented all ATR UW factors |
| 22022060262 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 666 | 651 | Updated As Per Credit Report Document Page No 32CR |
| 22022060233 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Primary Residence Property hence selected Non-QM: Lender documented all ATR UW factors |
| 22022060233 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.99 | 40.98 | Within 1% of Tolerance |
| 22022070036 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Primary Purchase, Non-QM: Ender documented all ATR factors is correct |
| 22022060190 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Since this Occupancy is Primary residence we update Originator QM Status as Non-QM: Lender documented all ATR UW factors<br>|
| 22022060149 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | This DSCR Loan Updated As Per Approval Document |
| 22022060333 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| 22022050158 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Conventional primary residence |
| 22022070061 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 691 | 692 | Qualifying FICO confirmed per Credit Report. |
| 22022070061 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Confirmed Originator QM Status per documentation. |
| 22022070270 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | As per the Approval cert this is DSCR file |
| 22022070270 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | As per the Approval cert this is DSCR file |
| 22022080028 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.18 | 42.43 | DTI Calculation : 42.18% as per 5cr of 1008 DTI is 41.88% - within 1% variance |
| 22022080028 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | occupancy is Primary residence for that Originator QM Status is Non-QM: Lender documented all ATR UW factors, however Tape data showing incorrect |
| 22022070011 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.35 | 39.10 | As per the 1008 Total Obligations/Income(DTI) is 29.35 and 4418.07/15049\*100=29.35% it is matching |
| 22022070011 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Primary Residence Property hence selected Non-QM: Lender documented all ATR UW factors |
| 22022070011 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 11.46 | 12.49 | As per the 1008 Primary Housing Expense/Income is 11.46 and it is matching in Deligence final look 1725.07/15049\*100=11.46% |
| 22022070224 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.74 | 28.39 | $6,071.82 \*100 / $21,129.35 = 28.74% Within 1% variance |
| 22022070224 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Since the Occupancy is Primary Residence we would update Originator QM Status as Non-QM: Lender documented all ATR UW factors |
| 22022070224 |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Updated as per Note document (Page no 29CL) |
| 22022070305 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | occupancy is Primary residence for that Originator QM Status is Non-QM: Lender documented all ATR UW factors, however Tape data showing incorrect  |
| 22022080012 |  | XXXX | Loan Program | the1003Page | 30 YR FIXED NON-AGENCY ADVANTAGE Tier 2 | 30 YR FIXED NON-AGENCY ADVANTAGE | Tier is missing so 30 YR FIXED NON-AGENCY ADVANTAGE Tier 2 considered  |
| 22022080012 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | occupancy is Primary residence for that Originator QM Status is Non-QM: Lender documented all ATR UW factors, however Tape data showing incorrect  |
| 22022080085 |  | XXXX | Loan Program | the1003Page | 30 YR FIXED NON-AGENCY ADVANTAGE | 30 YR FIXED NON-AGENCY ADVANTAGE | Loan Program updated as per Approval Certificate available page no.1CR |
| 22022080085 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status updated as per Guidelines. Since Occupancy Status was Primary Residence |
| 22022070184 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is a Income based loan. OriginatorQM status updated as Non-QM: Lender documented all ATR UW factors |
| 22022060492 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | As per the Approval cert this is DSCR file |
| 22022060492 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | As per the Approval cert this is DSCR file |
| 22022070069 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.45 | 36.98 | Verified value per 1008 document |
| 22022070069 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy status is Primary residence originator QM Status is updated as Non-QM: Lender documented all ATR UW factors |
| 22022060389 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Status Primary Residence since Originator QM status updated as per Guidelines |
| 22022060437 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Status is primary residence so originator QM Status updated. |
| 22022070265 |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | Updated as per Note 26cl |
| 22022070265 |  | XXXX | Loan Program | the1003Page | "30 YR FIXED NON-AGENCY ADVANTAGE Tier 2" | 30 YR FIXED NON-AGENCY ADVANTAGE | Loan Program updated as 30 YR FIXED NON-AGENCY ADVANTAGE Tier 2 |
| 22022070265 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Conventional Loan Qualified with income Hence It Should Be Non-QM: Lender documented all ATR UW factors  |
| 82022050787 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.62 | 45.70 | As per the 1008 income is $7711 but in 1003 borrower is having two types of income Business $7747.19 and Child support income is $1,354.18 total = $7747.19 + $1,354.18 = $9,101.37. 1008 reflecting insufficient income values due to the reason getting DTI discrepancy. |
| 82022050787 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 38.65 | 45.62 | As per the 1008 income is $7711 but in 1003 borrower is having two types of income Business $7747.19 and Child support income is $1,354.18 total = $7747.19 + $1,354.18 = $9,101.37. 1008 reflecting insufficient income values due to the reason getting DTI discrepancy. |
| 22022080109 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Primary Residence Property hence selected Non-QM: Lender documented all ATR UW factors |
| 22022050321 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type updated as per Approval certificate available page no.1CR |
| 22022050321 |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | Property Zip code updated as per Note Document |
| 22022050321 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | OriginatorDocType updated as per Approval Certificate available page no.1CR |
| 22022080059 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.14 | 49.36 | $3,606.91 \* 100 / $7,193 = 50.14% |
| 22022080059 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This loan is Primary residence so we update Originator QM Status as Non-QM: Lender documented all ATR UW factors |
| 22022080059 |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | updated as per Note document (Page no 29CL) |
| 22022070190 |  | XXXX | Loan Program | the1003Page | 30 YR FIXED NON-AGENCY ADVANTAGE Tier 3 | 30 YR FIXED NON-AGENCY ADVANTAGE | 1)Loan Program Tier is missing on Approval Document so Considered as 30 YR FIXED NON-AGENCY ADVANTAGE Tier 4. |
| 22022070190 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.9 | 38.44 | 1) Final 1003 showing THD/CBNA#XXXX with monthly payment $43 and XXXX #XXXX with monthly payment $30 but this is paid off in XXXX credit report and XXXX #XXXX do not have monthly payment and it is paid off , DTI calculation : $1,643 +2,601.96 /13,326.36\*100= 31.85% |
| 22022070190 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | occupancy is Primary residence for that Originator QM Status is Non-QM: Lender documented all ATR UW factors, however Tape data showing incorrect |
| 22022070190 |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | Updated as per Note page 19cl |
| 22022070190 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 19.54 | 19.52 | HTI 1% variance allow |
| 22022070277 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.89 | 50.00 | $21,344.78 \* 100% / $42,780.23 = 49.89% |
| 22022070277 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Primary residence loan Originator QM Status as Non-QM: Lender documented all ATR UW factors<br>|
| 22022070277 |  | XXXX | Loan Program | the1003Page | Non-Agency Advantage | 40 YR FIXED NON-AGENCY ADVANTAGE IO | Updated as per Approval document |
| 22022080215 |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is wage Earned He is not self employed Updated as per 1003 |
| 22022080215 |  | XXXX | Originator Doc Type | employmentIncomePage | Full Doc | ALT DOC | Borrower is wage Earned He is not self employed Updated as per 1003 |
| 22022080215 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | This is Purchases Loan we update Originator QM Status as Non-QM: Lender documented all ATR UW factors |
| 22022080041 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | B1Last Name updated as per Note/Security Deed |
| 22022080041 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status updated as per Lender Guideline. SInce Occupancy Status : Primary Residence |
| 22022080153 |  | XXXX | Loan Program | the1003Page | Investor Advantage | 30 YR FIXED INVESTOR ADVANTAGE - 5 YR PPP | Updated as per Approval document |
| 22022080153 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per Approval document |
| 22022080153 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Updated as per Approval document |
| 22022060300 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Updated as per Approval Document |
| 22022060300 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Updated as per Approval Document |
| 22022080253 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Status : Primary Residence since Originator QM Status updated as NON-QM: Lender Documented all ATR UW factors as per Guidelines. |
| 22022080145 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Occupancy Status : Second Home. Originator QM Status updated as per Guidelines. |
| 22022060183 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | values match updated as per Final 1003 and 1008 |
| 22022060183 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | values match Updated as per Loan Program DSCR. |
| 22022060188 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type Confirmed as per Conditional Approval Doc is on Page# 1 Credit Pkg |
| 22022060188 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator Doc Type Confirmed as per Conditional Approval Doc is on Page# 1 Credit Pkg |
| 22022060192 |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Program Discrepancy - True Data is accurate as per Loan Approval document on page 1-Credit Package |
| 22022060192 |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Doc Type Discrepancy - True Data is accurate as per Loan Approval document on page 1-Credit Package |
| 22022090000 |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Originator QM Status is Non-QM ATR Exempt as the Property type as per Final 1003 is Primary Residence |

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